ACH Overdraft$25Within the typical range ($25–$33 nationally)
$5 below the national median$4 below the Michigan median
per item · Source
NSF (Item Returned)$25Within the typical range ($25–$32 nationally)
$5 below the national median$4 below the Michigan median
per item · Source

ATM & CardVerified

ATM Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median$2.50 above the Michigan median
Source

Wire TransfersVerified

Wire Transfer (Outgoing)$19Below the typical range ($20–$25 nationally)
$6 below the national median$6 below the Michigan median
per item · Source

Check ServicesVerified

Cashier's Check$3Within the typical range ($3–$6 nationally)
$2 below the national medianAt the Michigan median
Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Michigan median
Source
Stop Payment$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$12 below the Michigan median
per item · Source
Copy of Check$2Within the typical range ($2–$5 nationally)
$1 below the national median$1.50 below the Michigan median
per item · Source

Cash & DepositVerified

Loose Coin (member)5%
—
Source
Deposited Item Return$5Below the typical range ($8–$25 nationally)
$10 below the national median$10 below the Michigan median
Source

Account ServicesVerified

Garnishments/Levy$25Below the typical range ($30–$90 nationally)
$25 below the national median$25 below the Michigan median
per item · Source

Gift & Prepaid CardsVerified

Visa Gift Card$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$1 below the Michigan median
per item · Source

Other FeesVerified

Statement Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median$2 below the Michigan median
per month · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Closure	$5Below the typical range ($10–$25 nationally)	$12.50 below the national median$5 below the Michigan median	—	—	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Michigan median	per month	—	Source
Account Reconciliation	$15Within the typical range ($12–$25 nationally)	$2.50 below the national median$3.75 below the Michigan median	—	—	Source
Incorrect Address	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$13.75 below the Michigan median	per month	—	Source
Paper Statement	$3Within the typical range ($2–$4.59 nationally)	At the national median$0.50 above the Michigan median	—	—	Source
Overdraft & NSFVerified
ACH Overdraft	$25Within the typical range ($25–$33 nationally)	$5 below the national median$4 below the Michigan median	per item	—	Source
NSF (Item Returned)	$25
ATM & CardVerified
ATM Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median$2.50 above the Michigan median	—	—	Source
Wire TransfersVerified
Wire Transfer (Outgoing)	$19Below the typical range ($20–$25 nationally)	$6 below the national median$6 below the Michigan median	per item	—	Source
Check ServicesVerified
Cashier's Check	$3Within the typical range ($3–$6 nationally)	$2 below the national medianAt the Michigan median	—	—	Source
Money Order	$2
Cash & DepositVerified
Loose Coin (member)	5%	—	—	—	Source
Deposited Item Return	$5Below the typical range ($8–$25 nationally)	$10 below the national median$10 below the Michigan median
Account ServicesVerified
Garnishments/Levy	$25Below the typical range ($30–$90 nationally)	$25 below the national median$25 below the Michigan median	per item	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$1 below the Michigan median	per item	—	Source
Other FeesVerified
Statement Copy	$1Below the typical range ($2–$5 nationally)	$2 below the national median$2 below the Michigan median	per month	—	Source

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

17 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$117.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$117.0M

Total deposits

$98.1M

Service charge income (year to date)

$181K

Fee income ratio

6.2%

Return on assets

2.11%

Financial profile · Pro

Performance from regulator filings

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