Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Miami Federal Credit Union

Miami, FloridaCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Initial Visa Check Card and Visa Check Card monthly maintenance$0Below the typical range ($4–$10 nationally)

$6 below the national median$7.25 below the Florida median

Closing Share Account (if closed within 365 days of opening) Closing Share Account (if closed after 365 days of opening)$25

$7.50 above the national medianAt the Florida median

Source

Account Research$30

$12.50 above the national median$15 above the Florida median

Source

Returned mail or Bad Address$5

$12.50 below the national median$10 below the Florida median

per item · Source

Paper Statement Fee$3

At the national medianAt the Florida median

Source

Overdraft & NSFVerified

Overdrafts or items paid with Overdraft Privilege$35Above the typical range ($25–$33 nationally)
$5 above the national median$3 above the Florida median
per item · Source
Returned ACH Item$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Florida median
per item · Source
Returned check or pre-authorized withdrawal (ACH) due to non-sufficient (NSF) or uncollected funds$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Florida median
per item · Source

ATM & CardVerified

ATM cash withdrawal(Free at our ATM's and Presto Network ATMs)$3.50Above the typical range ($1–$2.25 nationally)
$2 above the national median$1.50 above the Florida median
per item · Source
ATM's and Presto Network ATMs$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the Florida median
per item · Source
Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national medianAt the Florida median
per item · Source

Wire TransfersVerified

Domestic Wire Transfer (Outgoing)$25Within the typical range ($20–$25 nationally)
At the national medianAt the Florida median
per item · Source
Wire Transfer Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median$10 below the Florida median
Source
International Wire Transfer (Outgoing)$65Above the typical range ($40–$50 nationally)
$15 above the national median$15 above the Florida median
per item · Source

Check ServicesVerified

Official Checks and Money Orders (up to )$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Florida median
per item · Source
Teller Checks$5Within the typical range ($3–$6 nationally)
At the national medianAt the Florida median
per item · Source
Stop payment on a check or pre-authorized withdrawal (ACH)$30Within the typical range ($20–$30 nationally)
$2.50 above the national medianAt the Florida median
per item · Source
Temporary Checks 1st Set of 16 checks at account opening$0Below the typical range ($1–$4 nationally)
$2 below the national median$2 below the Florida median
Source
Temporary Checks after account opening (4 checks/page)$2Within the typical range ($1–$4 nationally)
At the national medianAt the Florida median
per item · Institution’s schedule
Temporary Checks after account opening w/o check reorder (4 checks/page)$2Within the typical range ($1–$4 nationally)
At the national medianAt the Florida median
per item · Source
Copy of Share Draft Item (Free in MFCU Online Banking)$5Within the typical range ($2–$5 nationally)
$2 above the national median$1 above the Florida median
per item · Source

Digital & ElectronicVerified

Bill Payment Research Fee$30Above the typical range ($0–$9.95 nationally)
$27.50 above the national median$25.55 above the Florida median
Source
Same Day Bill Payment$9.95Within the typical range ($0–$9.95 nationally)
$7.45 above the national median$5.50 above the Florida median
per transaction · Source

Cash & DepositVerified

Deposited check (and other items) returned unpaid$35Above the typical range ($8–$25 nationally)
$20 above the national median$15 above the Florida median
per item · Source

Account ServicesVerified

Levy & Garnishment$100Above the typical range ($30–$90 nationally)
$50 above the national medianAt the Florida median
Source
Written Verification of Accounts$10Within the typical range ($5–$15 nationally)
At the national median$5.50 below the Florida median
per item · Source

Lending FeesVerified

Loan processing fee on all disbursed loans$30Within the typical range ($20.08–$71.25 nationally)
$2 below the national median$5 above the Florida median
Source

Gift & Prepaid CardsVerified

MFCU Gift Card$3.75Within the typical range ($3–$4.95 nationally)
$0.25 above the national median$0.75 above the Florida median
per item · Source

Other FeesVerified

Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$1.82 above the Florida median
per item · Source
Loan Application Fee for Unsecured Loans & Personal Line of Credit Request Advance Fee$30Within the typical range ($25–$100 nationally)
$7.50 below the national median$20 below the Florida median
Source
Subordination on Home Loans$250Above the typical range ($25–$100 nationally)
$212.50 above the national median$200 above the Florida median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Initial Visa Check Card and Visa Check Card monthly maintenance	$0Below the typical range ($4–$10 nationally)	$6 below the national median$7.25 below the Florida median	per month	—	Source
Closing Share Account (if closed within 365 days of opening) Closing Share Account (if closed after 365 days of opening)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national medianAt the Florida median	—	—	Source
Account Research	$30Above the typical range ($11.38–$25 nationally)	$12.50 above the national median$15 above the Florida median	—	—	Source
Returned mail or Bad Address	$5Below the typical range ($11.38–$25 nationally)	$12.50 below the national median$10 below the Florida median	per item	—	Source
Paper Statement Fee	$3Within the typical range ($2–$4.68 nationally)	At the national medianAt the Florida median	—	—	Source
Overdraft & NSFVerified
Overdrafts or items paid with Overdraft Privilege	$35Above the typical range ($25–$33 nationally)	$5 above the national median$3 above the Florida median	per item	—	Source
Returned ACH Item	$35
ATM & CardVerified
ATM cash withdrawal(Free at our ATM's and Presto Network ATMs)	$3.50Above the typical range ($1–$2.25 nationally)	$2 above the national median$1.50 above the Florida median	per item	—	Source
ATM's and Presto Network ATMs	$2
Wire TransfersVerified
Domestic Wire Transfer (Outgoing)	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Florida median	per item	—	Source
Wire Transfer Incoming	$0
Check ServicesVerified
Official Checks and Money Orders (up to )	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Florida median	per item	—	Source
Teller Checks	$5
Digital & ElectronicVerified
Bill Payment Research Fee	$30Above the typical range ($0–$9.95 nationally)	$27.50 above the national median$25.55 above the Florida median	—	—	Source
Same Day Bill Payment	$9.95
Cash & DepositVerified
Deposited check (and other items) returned unpaid	$35Above the typical range ($8–$25 nationally)	$20 above the national median$15 above the Florida median	per item	—	Source
Account ServicesVerified
Levy & Garnishment	$100Above the typical range ($30–$90 nationally)	$50 above the national medianAt the Florida median	—	—	Source
Written Verification of Accounts	$10
Lending FeesVerified
Loan processing fee on all disbursed loans	$30Within the typical range ($20.08–$71.25 nationally)	$2 below the national median$5 above the Florida median	—	—	Source
Gift & Prepaid CardsVerified
MFCU Gift Card	$3.75Within the typical range ($3–$4.95 nationally)	$0.25 above the national median$0.75 above the Florida median	per item	—	Source
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median$1.82 above the Florida median	per item	—	Source
Loan Application Fee for Unsecured Loans & Personal Line of Credit Request Advance Fee	$30

Against Florida credit unions

Overdraft
$35.00
Of 41 others that publish it, 28 lower, 10 the same and 3 higher.
Monthly maintenance
$0.00
Of 26 others that publish it, 0 lower, 4 the same and 22 higher.

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

31 verified fees collected

Headline fees published

12 of 15

Published 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

$38.2M

Service charge income (year to date)

$126K

Fee income ratio

10.0%

Return on assets

0.35%

Financial profile · Pro

Performance from regulator filings

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