Lakeshore Federal Credit Union

Headquarters: Muskegon, Michigan
Charter: Credit Union
Assets: $45.2M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Overdraft (OD)
Lakeshore Federal Credit Union: $25
Lakeshore Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Lakeshore Federal Credit Union: $25
Lakeshore Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Lakeshore Federal Credit Union: $1
Lakeshore Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 Lakeshore Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Accounts closed within 90-days of opening$5
Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt$5
per month
Returned mail (per item)$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions$25
one time
Non-sufficient Funds (NSF) fee (per first presentment), Includes ACH, Check, and Reoccuring Debit Transactions$25

ATM & Card

ATM balance inquiries after 2 FREE per month$1
Plastic Card Replacement fee$10
Plastic card expedited shipping fee$40

Check Services

Cashier's checks - One FREE check per month (additonal checks each)$1
per item
Money Orders$1
Stop payment fee (single and series)$20
Non-member check cashing for items drawn off a LFCU account (per item)$5
per item
Copy of sales draft for ATM/Debit/Visa (per item)$10
per item

Account Services

Non-member notary fee (per item)$15
per item
Garnishments, levy's, and escheating on accounts (per incident)$25
per item
Research fee for subpoena's, disputes, etc. (per hour plus 1.00 per page)$15
Not compared: Charged per hour; comparison unavailable
per hour
Verification of Deposit (per request)$5
per item

Lending Fees

Visa late payment fee charged to our Visa (per month)$25
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA maintenance fee per IRA share account (annually)$25
per year

Gift & Prepaid Cards

Visa Gift Cards (per card)$3
per item

Other Fees

Statement copies (per statement) - Online copies are FREE up to 18 months$5
Loan Application fee - applies if a previous application was denied within the last 90-days$10

Fee	Amount	Basis	Note
Account Maintenance
Accounts closed within 90-days of opening	$5	Not stated	None
Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt	$5	per month	None
Returned mail (per item)	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions	$25	one time	None
Non-sufficient Funds (NSF) fee (per first presentment), Includes ACH, Check, and Reoccuring Debit Transactions	$25	Not stated	None
ATM & Card
ATM balance inquiries after 2 FREE per month	$1	Not stated	None
Plastic Card Replacement fee	$10	Not stated	None
Plastic card expedited shipping fee	$40	Not stated	None
Check Services
Cashier's checks - One FREE check per month (additonal checks each)	$1	per item	None
Money Orders	$1	Not stated	None
Stop payment fee (single and series)	$20	Not stated	None
Non-member check cashing for items drawn off a LFCU account (per item)	$5	per item	None
Copy of sales draft for ATM/Debit/Visa (per item)	$10	per item	None
Account Services
Non-member notary fee (per item)	$15	per item	None
Garnishments, levy's, and escheating on accounts (per incident)	$25	per item	None
Research fee for subpoena's, disputes, etc. (per hour plus 1.00 per page)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Verification of Deposit (per request)	$5	per item	None
Lending Fees
Visa late payment fee charged to our Visa (per month)	$25Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA maintenance fee per IRA share account (annually)	$25	per year	None
Gift & Prepaid Cards
Visa Gift Cards (per card)	$3	per item	None
Other Fees
Statement copies (per statement) - Online copies are FREE up to 18 months	$5	Not stated	None
Loan Application fee - applies if a previous application was denied within the last 90-days	$10	Not stated	None

Correct a fee source

Nov 3, 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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