Northland Area Federal Credit Union

Headquarters: Alpena, Michigan
Charter: Credit Union
Assets: $714.4M
Fed district: Chicago

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

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

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

Overdraft (OD)
Northland Area Federal Credit Union: $25
Northland Area Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Northland Area Federal Credit Union: $25
Northland Area Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Northland Area Federal Credit Union: $2
Northland Area Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 Northland Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Monthly Fee$5
per month
Escheat Account Fee$100
Bad Address Monthly Fee$5
Not compared: Monthly charge, not per item
per month

Overdraft & NSF

Courtesy Pay Use Fee Per Paid Item$25
Non-Sufficient Funds Fee Per Presentment$25
per item
Overdraft Protection Transfer from Share or Line of CreditNo charge

ATM & Card

Non-NAFCU/ Out of Network "Foreign" ATM Fee$2
ATM/Debit Excessive Card Replacement$5

Wire Transfers

Domestic Wires(Outgoing)$25
Incoming WiresNo charge
International Wires (Outgoing)$50

Check Services

Cashier Checks$2
per item
Money Orders$2
per item
Stop Payment Fee EFT, Single Draft, Multiple in Sequence$30
Starter Checks$2
Not compared: Charged per page; comparison unavailable
per page
Foreign Item Deposit$15
per item
Over 10 Draft Copies$2
per item

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Return Deposited Check$10

Account Services

Notary ServiceNo charge
Safe Deposit Box$30
Safe Deposit Box 10x10x22 (audience not stated, treated as personal)$50
Safe Deposit Box 3x10x22 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 3x5x22 (audience not stated, treated as personal)$15
Safe Deposit Box 5x10x22 (audience not stated, treated as personal)$30
Safe Deposit Box Annual Fee: 3x10x22$20
per year
Levy/Garnishment$50

Other Fees

Fax Fee Per Page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Monthly Fee	$5	per month	None
Escheat Account Fee	$100	Not stated	None
Bad Address Monthly Fee	$5Not compared: Monthly charge, not per item	per month	None
Overdraft & NSF
Courtesy Pay Use Fee Per Paid Item	$25	Not stated	None
Non-Sufficient Funds Fee Per Presentment	$25	per item	None
Overdraft Protection Transfer from Share or Line of Credit	No charge	Not stated	None
ATM & Card
Non-NAFCU/ Out of Network "Foreign" ATM Fee	$2	Not stated	None
ATM/Debit Excessive Card Replacement	$5	Not stated	None
Wire Transfers
Domestic Wires(Outgoing)	$25	Not stated	None
Incoming Wires	No charge	Not stated	None
International Wires (Outgoing)	$50	Not stated	None
Check Services
Cashier Checks	$2	per item	None
Money Orders	$2	per item	None
Stop Payment Fee EFT, Single Draft, Multiple in Sequence	$30	Not stated	None
Starter Checks	$2Not compared: Charged per page; comparison unavailable	per page	None
Foreign Item Deposit	$15	per item	None
Over 10 Draft Copies	$2	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Return Deposited Check	$10	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Box	$30	Not stated	None
Safe Deposit Box 10x10x22 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3x10x22 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 3x5x22 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 5x10x22 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box Annual Fee: 3x10x22	$20	per year	None
Levy/Garnishment	$50	Not stated	None
Other Fees
Fax Fee Per Page	$1	per item	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

Oct 23, 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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