Straits Area Federal Credit Union

Headquarters: Cheboygan, Michigan
Charter: Credit Union
Assets: $132.4M
Fed district: Chicago

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Straits Area Federal Credit Union: $15
Straits Area Federal Credit Union: $15
U.S. median: no median
Foreign Transaction
Straits Area Federal Credit Union: No fee
Straits Area Federal Credit Union: No fee
U.S. median: no median
Wire Transfer (Domestic Out)
Straits Area Federal Credit Union: $25
Straits Area Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Straits Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Research/Reconciliation Fee (Per hour, 1-hour minimum) (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Return of Mail for Bad Address$10

Overdraft & NSF

Check Returned for Non-Sufficient Funds (NSF)$15

ATM & Card

Card Replacement Fee$5
Replacement ATM or Debit Card$5
per item
Foreign Transaction FeeNo charge

Wire Transfers

All outgoing Domestic Wire$25
All outgoing International Wire$40

Check Services

Cashier’s Check$2.50
Money Order$1
Stop Payment (ACH/Check)$25
per item
Stop Payment on Money Order$25
Temporary Checks$5
per item · Per 4 checks
Temporary Checks (per 4)$5
Copy of Check/Receipt$5
Copy of Money Order$5

Digital & Electronic

ACH/ATM Returned for Non-Sufficient Funds (NSF)$15

Cash & Deposit

Cash Advance FeeNo charge

Account Services

Notary Public (Free to Members)$10
Garnishment$50

Lending Fees

Late Payment Fee$25

Gift & Prepaid Cards

Gift Card$3

Other Fees

Copy of Statement$5
Document Copy Fee$5
per item
Photocopy$0.50
Statement Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Research/Reconciliation Fee (Per hour, 1-hour minimum) (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return of Mail for Bad Address	$10	Not stated	None
Overdraft & NSF
Check Returned for Non-Sufficient Funds (NSF)	$15	Not stated	None
ATM & Card
Card Replacement Fee	$5	Not stated	None
Replacement ATM or Debit Card	$5	per item	None
Foreign Transaction Fee	No charge	Not stated	None
Wire Transfers
All outgoing Domestic Wire	$25	Not stated	None
All outgoing International Wire	$40	Not stated	None
Check Services
Cashier’s Check	$2.50	Not stated	None
Money Order	$1	Not stated	None
Stop Payment (ACH/Check)	$25	per item	None
Stop Payment on Money Order	$25	Not stated	None
Temporary Checks	$5	per item	Per 4 checks
Temporary Checks (per 4)	$5	Not stated	None
Copy of Check/Receipt	$5	Not stated	None
Copy of Money Order	$5	Not stated	None
Digital & Electronic
ACH/ATM Returned for Non-Sufficient Funds (NSF)	$15	Not stated	None
Cash & Deposit
Cash Advance Fee	No charge	Not stated	None
Account Services
Notary Public (Free to Members)	$10	Not stated	None
Garnishment	$50	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Document Copy Fee	$5	per item	None
Photocopy	$0.50	Not stated	None
Statement Copy Fee	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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