Miami Federal Credit Union

Headquarters: Miami, Florida
Charter: Credit Union
Assets: $45.2M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Miami Federal Credit Union: $35
Miami Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Miami Federal Credit Union: $35
Miami Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Compared at $2.75, the middle of its prices
Miami Federal Credit Union: $2 to $3.50
Miami Federal Credit Union: $2 to $3.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Miami Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing Share Account (if closed within 365 days of opening) Closing Share Account (if closed after 365 days of opening)$25
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Returned mail or Bad Address$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Items paid with Overdraft Privilege$35
per item
Overdrafts or items paid with Overdraft Privilege$35
per item
Returned ACH Item$35
per item

ATM & Card

ATM cash withdrawal$3.50
per item
ATM's and Presto Network ATMs$2
per item
Card Replacement Fee$10
per item
Replacement of lost, damaged or stolen Check Card$10
per item

Wire Transfers

Domestic Wire Transfer (Outgoing)$25
per item
Wire Transfer IncomingNo charge
International Wire Transfer (Outgoing)$65
per item

Check Services

Official Checks and Money Orders (up to $1,000)$2
per item
Teller Checks$5
per item
Official Checks and Money Orders (up to $1,000)$2
per item
Bill Payment (Stop Payment Fee)$30
per item
Stop payment on a check or pre-authorized withdrawal (ACH)$30
per item
Stop payment per check (Official Check, Teller Check, Money Order) or ACH payment$30
per item
Temporary Checks 1st Set of 16 checks at account openingNo charge
Temporary Checks after account opening w/o check reorder (4 checks/page)$2
Not compared: Charged per page; comparison unavailable
per page
Copy of Share Draft Item (Free in MFCU Online Banking)$5
per item

Digital & Electronic

Same Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited check (and other items) returned unpaid$35
per item

Account Services

Levy & Garnishment$100
Subordination on Home Loans$250
Written Verification of Accounts$10
per item

Lending Fees

Late Charge10%($20 minimum)
per month
Late Charge (audience not stated, treated as personal)10%($20 minimum)
per month
Loan processing fee on all disbursed loans$30

Gift & Prepaid Cards

MFCU Gift Card$3.75
per item

Other Fees

Statement Copy$5
per item
Loan Application Fee for Unsecured Loans & Personal Line of Credit Request Advance Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Closing Share Account (if closed within 365 days of opening) Closing Share Account (if closed after 365 days of opening)	$25	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Returned mail or Bad Address	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Items paid with Overdraft Privilege	$35	per item	None
Overdrafts or items paid with Overdraft Privilege	$35	per item	None
Returned ACH Item	$35	per item	None
ATM & Card
ATM cash withdrawal	$3.50	per item	None
ATM's and Presto Network ATMs	$2	per item	None
Card Replacement Fee	$10	per item	None
Replacement of lost, damaged or stolen Check Card	$10	per item	None
Wire Transfers
Domestic Wire Transfer (Outgoing)	$25	per item	None
Wire Transfer Incoming	No charge	Not stated	None
International Wire Transfer (Outgoing)	$65	per item	None
Check Services
Official Checks and Money Orders (up to $1,000)	$2	per item	None
Teller Checks	$5	per item	None
Official Checks and Money Orders (up to $1,000)	$2	per item	None
Bill Payment (Stop Payment Fee)	$30	per item	None
Stop payment on a check or pre-authorized withdrawal (ACH)	$30	per item	None
Stop payment per check (Official Check, Teller Check, Money Order) or ACH payment	$30	per item	None
Temporary Checks 1st Set of 16 checks at account opening	No charge	Not stated	None
Temporary Checks after account opening w/o check reorder (4 checks/page)	$2Not compared: Charged per page; comparison unavailable	per page	None
Copy of Share Draft Item (Free in MFCU Online Banking)	$5	per item	None
Digital & Electronic
Same Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited check (and other items) returned unpaid	$35	per item	None
Account Services
Levy & Garnishment	$100	Not stated	None
Subordination on Home Loans	$250	Not stated	None
Written Verification of Accounts	$10	per item	None
Lending Fees
Late Charge	10%($20 minimum)	per month	None
Late Charge (audience not stated, treated as personal)	10%($20 minimum)	per month	None
Loan processing fee on all disbursed loans	$30	Not stated	None
Gift & Prepaid Cards
MFCU Gift Card	$3.75	per item	None
Other Fees
Statement Copy	$5	per item	None
Loan Application Fee for Unsecured Loans & Personal Line of Credit Request Advance Fee	$30	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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