Southeast Michigan State Employees Federal Credit Union

Headquarters: West Bloomfield, Michigan
Charter: Credit Union
Assets: $51.5M
Fed district: Chicago

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Overdraft (OD)
Southeast Michigan State Employees Federal Credit Union: $30
Southeast Michigan State Employees Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Southeast Michigan State Employees Federal Credit Union: $30
Southeast Michigan State Employees Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Southeast Michigan State Employees Federal Credit Union: $20
Southeast Michigan State Employees Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Southeast Michigan State Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (per year)$15
Not compared: Annual charge, not monthly
per year
Escheats$20
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail$5

Overdraft & NSF

Overdraft Priviledge (Courtesy Pay)$30
NSF (Non-sufficient Funds) "per item"(Check or ACH)$30
per item
Return Item (Check or ACH)$30
Overdraft Transfer Fee (from Share Savings)$3
per transaction

ATM & Card

Replacement Card$30
Replacement Card after third replacement card$10
Rush Fee$50

Wire Transfers

Domestic Wire$20
International Wire$50

Check Services

Coporate Drafts (Cashier's Check) for members only$3
Stop Payment$30
Stop Payment (Consecutive Series)$35
Check Cashing On-us (Non-Member Only)$15
Copy of Check (per check)$2
per item

Cash & Deposit

Return Deposit Item$10

Account Services

Legal Processing (Garnishments/Levies/Subpoenas)$75

Lending Fees

Late Charge Varies by Type: Returned (Item) Transaction Fee$30
Late Payment$25
Loan Modification$35

Other Fees

Statement Copy (per month)$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per year)	$15Not compared: Annual charge, not monthly	per year	None
Escheats	$20	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Priviledge (Courtesy Pay)	$30	Not stated	None
NSF (Non-sufficient Funds) "per item"(Check or ACH)	$30	per item	None
Return Item (Check or ACH)	$30	Not stated	None
Overdraft Transfer Fee (from Share Savings)	$3	per transaction	None
ATM & Card
Replacement Card	$30	Not stated	None
Replacement Card after third replacement card	$10	Not stated	None
Rush Fee	$50	Not stated	None
Wire Transfers
Domestic Wire	$20	Not stated	None
International Wire	$50	Not stated	None
Check Services
Coporate Drafts (Cashier's Check) for members only	$3	Not stated	None
Stop Payment	$30	Not stated	None
Stop Payment (Consecutive Series)	$35	Not stated	None
Check Cashing On-us (Non-Member Only)	$15	Not stated	None
Copy of Check (per check)	$2	per item	None
Cash & Deposit
Return Deposit Item	$10	Not stated	None
Account Services
Legal Processing (Garnishments/Levies/Subpoenas)	$75	Not stated	None
Lending Fees
Late Charge Varies by Type: Returned (Item) Transaction Fee	$30	Not stated	None
Late Payment	$25	Not stated	None
Loan Modification	$35	Not stated	None
Other Fees
Statement Copy (per month)	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Feb 17, 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.

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