Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Lakeshore Federal Credit Union

Muskegon, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Accounts closed within 90-days of opening$5Below the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=early_closure; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Accounts closed within 90-days of opening | $5.00" · Source

Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=dormant_account; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt | $5.00" · Source

Overdraft & NSFVerified

Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions$25Within the typical range ($20–$30 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=overdraft; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions | $25.00" · Source
Non-sufficient Funds (NSF) fee (per first presentment), Includes ACH, Check, and Reoccuring Debit Transactions$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=nsf; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Non-sufficient Funds (NSF) fee (per first presentment), Includes ACH, Check, and Reoccuring Debit Transactions | $25.00" · Source

ATM & CardVerified

Copy of sales draft for ATM/Debit/Visa (per item)$10Above the typical range ($1–$3 nationally)
$8.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=atm_non_network; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Copy of sales draft for ATM/Debit/Visa (per item) | $10.00" · Source
Plastic card expedited shipping fee$40Within the typical range ($30–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=rush_card; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Plastic card expedited shipping fee | $40.00" · Source
Plastic Card Replacement fee$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=card_replacement; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Plastic Card Replacement fee | $10.00" · Source

Check ServicesVerified

Cashier's checks - One$0Below the typical range ($3–$6 nationally)
$5 below the national median
per month · Knox read a free fee from Rosetta artifact #4664. canonical_hint=cashiers_check; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Cashier's checks - One FREE" · Source
Cashier's checks - One FREE check per month (additonal checks each)$1Below the typical range ($3–$6 nationally)
$4 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=cashiers_check; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Cashier's checks - One FREE check per month (additonal checks each) | $1.00" · Source
Check copy that has cleared (per item) - Online copies are$0Below the typical range ($2–$5 nationally)
$3 below the national median
per item · Knox read a free fee from Rosetta artifact #4664. canonical_hint=check_image; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Check copy that has cleared (per item) - Online copies are FREE" · Source
Money Orders$1Below the typical range ($2–$3.50 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=money_order; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Money Orders | $1.00" · Source
Non-member check cashing for items drawn off a LFCU account (per item)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=check_cashing; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Non-member check cashing for items drawn off a LFCU account (per item) | $5.00" · Source
Stop payment fee (single and series)$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=stop_payment; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Stop payment fee (single and series) | $20.00" · Source

Account ServicesVerified

Garnishments, levy's, and escheating on accounts (per incident)$25Within the typical range ($25–$75 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=garnishment_levy; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Garnishments, levy's, and escheating on accounts (per incident) | $25.00" · Source
Non-member notary fee (per item)$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=notary_fee; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Non-member notary fee (per item) | $15.00" · Source
Research fee for subpoena's, disputes, etc. (per hour plus 1.00 per page)$15Below the typical range ($25–$100 nationally)
$35 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=legal_process; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Research fee for subpoena's, disputes, etc. (per hour plus 1.00 per page) | $15.00" · Source
Verification of Deposit (per request)$5Within the typical range ($5–$16.13 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=account_verification; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Verification of Deposit (per request) | $5.00" · Source

Lending FeesVerified

Visa late payment fee charged to our Visa (per month)$25Within the typical range ($15–$26.50 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=late_payment; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Visa late payment fee charged to our Visa (per month) | $25.00" · Source

Retirement & IRAVerified

IRA maintenance fee per IRA share account (annually)$25Within the typical range ($10–$25 nationally)
$10 above the national median
per year · Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=ira_administration; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="IRA maintenance fee per IRA share account (annually) | $25.00" · Source

Gift & Prepaid CardsVerified

Visa Gift Cards (per card)$3Within the typical range ($3–$4.95 nationally)
$0.63 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=gift_card_purchase; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Visa Gift Cards (per card) | $3.00" · Source

Other FeesVerified

Loan Application fee - applies if a previous application was denied within the last 90-days$10Below the typical range ($20–$35 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=other_lending_fee; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Loan Application fee - applies if a previous application was denied within the last 90-days | $10.00" · Source
Statement copies (per statement) - Online copies are$0Below the typical range ($2–$5 nationally)
$3 below the national median
Knox read a free fee from Rosetta artifact #4664. canonical_hint=document_reproduction; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Statement copies (per statement) - Online copies are FREE" · Source
Statement copies (per statement) - Online copies are FREE up to 18 months$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=document_reproduction; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Statement copies (per statement) - Online copies are FREE up to 18 months | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Accounts closed within 90-days of opening	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=early_closure; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Accounts closed within 90-days of opening \| $5.00"	Source
Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=dormant_account; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt \| $5.00"	Source
Overdraft & NSFVerified
Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions	$25Within the typical range ($20–$30 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=overdraft; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions \| $25.00"	Source
ATM & CardVerified
Copy of sales draft for ATM/Debit/Visa (per item)	$10Above the typical range ($1–$3 nationally)	$8.50 above the national median	per item	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=atm_non_network; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Copy of sales draft for ATM/Debit/Visa (per item) \| $10.00"	Source
Plastic card expedited shipping fee
Check ServicesVerified
Cashier's checks - One	$0Below the typical range ($3–$6 nationally)	$5 below the national median	per month	Knox read a free fee from Rosetta artifact #4664. canonical_hint=cashiers_check; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Cashier's checks - One FREE"	Source
Cashier's checks - One FREE check per month (additonal checks each)
Account ServicesVerified
Garnishments, levy's, and escheating on accounts (per incident)	$25Within the typical range ($25–$75 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=garnishment_levy; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Garnishments, levy's, and escheating on accounts (per incident) \| $25.00"	Source

Lending FeesVerified
Visa late payment fee charged to our Visa (per month)	$25Within the typical range ($15–$26.50 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=late_payment; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Visa late payment fee charged to our Visa (per month) \| $25.00"	Source
Retirement & IRAVerified
IRA maintenance fee per IRA share account (annually)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per year	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=ira_administration; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="IRA maintenance fee per IRA share account (annually) \| $25.00"	Source
Gift & Prepaid CardsVerified
Visa Gift Cards (per card)	$3Within the typical range ($3–$4.95 nationally)	$0.63 below the national median	—	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=gift_card_purchase; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Visa Gift Cards (per card) \| $3.00"	Source
Other FeesVerified
Loan Application fee - applies if a previous application was denied within the last 90-days	$10Below the typical range ($20–$35 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #4664. canonical_hint=other_lending_fee; text_hash=43cb66a3560da8ff889ae9b0bdd2576f72c5da86db56e7b016fee4f6acd4203e; excerpt="Loan Application fee - applies if a previous application was denied within the last 90-days \| $10.00"	Source

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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

11% below the national median overdraft fee

Total fees: 23 — leaner than most institutions

Verified fees

Under review

Assets

$45.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$45.2M

Total deposits

$39.9M

Service charge income (year to date)

$149K

Fee income ratio

14.0%

Return on assets

0.51%

Financial profile · Pro

Performance from regulator filings

Non-member notary fee (per item)

Statement copies (per statement) - Online copies are

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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