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

Blue Water Federal Credit Union

Port Huron, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee | per month (after 12 consecutive months of inactivity)$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=dormant_account; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Dormant Account Fee* | per month (after 12 consecutive months of inactivity) | $5.00" · Source

Escheatment Processing | each$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=dormant_account; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Escheatment Processing | each | $25.00" · Source

Paper Statements$0

$3 below the national median

per month · Knox read a free fee from Rosetta artifact #4651. canonical_hint=paper_statement; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Paper Statements | per month | FREE" · Source

Overdraft & NSFVerified

ATM/Debit Overdraft | per occurrence$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=overdraft; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="ATM/Debit Overdraft | per occurrence | $30.00" · Source
NSF Returns | per item returned$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=nsf; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="NSF Returns | per item returned | $30.00" · Source

ATM & CardVerified

ATM Transfers | after 2 per month$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=atm_non_network; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="ATM Transfers | after 2 per month | $1.00" · Source
ATM/Debit "Hot Card" Fee | for lost/abused cards$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=card_replacement; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="ATM/Debit "Hot Card" Fee | for lost/abused cards | $20.00" · Source
ATM/Debit Replacement Card | per card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=card_replacement; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="ATM/Debit Replacement Card | per card | $5.00" · Source
Expedited Card Order | per occurrence$45Within the typical range ($30–$50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=rush_card; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Expedited Card Order | per occurrence | $45.00" · Source

Wire TransfersVerified

Wire Transfers$0Below the typical range ($5–$15 nationally)
$10 below the national median
Knox read a free fee from Rosetta artifact #4651. canonical_hint=wire_domestic_incoming; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Wire Transfers | incoming | FREE" · Source
Wire Transfers | outgoing$25Within the typical range ($20–$25 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=wire_domestic_outgoing; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Wire Transfers | outgoing | $25.00" · Source

Check ServicesVerified

Bill Pay Stop Payment | per item returned$10Below the typical range ($20–$30 nationally)
$15.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=stop_payment; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Bill Pay Stop Payment | per item returned | $10.00" · Source
Cashiers Checks$1Below the typical range ($3–$6 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=cashiers_check; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Cashiers Checks | $1.00 each additional" · Source
Copies - Checks/Money Orders | per copy$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=money_order; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Copies - Checks/Money Orders | per copy | $3.00" · Source
Counter Checks$0Below the typical range ($1–$4 nationally)
$2 below the national median
Knox read a free fee from Rosetta artifact #4651. canonical_hint=counter_check; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Counter Checks | 4 per page | FREE" · Source
Money Orders | per item$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=money_order; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Money Orders | per item | $1.00" · Source
Non-Member Check Cashing | per item$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=check_cashing; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Non-Member Check Cashing | per item | $5.00" · Source

Digital & ElectronicVerified

Bill Pay Fee$0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
per month · Knox read a free fee from Rosetta artifact #4651. canonical_hint=bill_pay; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Bill Pay Fee | per month | FREE" · Source

Account ServicesVerified

Levies and Garnishments | per occurrence$50Within the typical range ($30–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=garnishment_levy; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Levies and Garnishments | per occurrence | $50.00" · Source
Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #4651. canonical_hint=notary_fee; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Notary Service | members only | FREE" · Source

Gift & Prepaid CardsVerified

Visa Gift Cards | per card$4Within the typical range ($3–$4.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=gift_card_purchase; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Visa Gift Cards | per card | $4.00" · Source

Other FeesVerified

Statement Copy | per month$1Below the typical range ($2–$5 nationally)
$2 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=document_reproduction; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Statement Copy | per month | $1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee \| per month (after 12 consecutive months of inactivity)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=dormant_account; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Dormant Account Fee* \| per month (after 12 consecutive months of inactivity) \| $5.00"	Source
Escheatment Processing \| each	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=dormant_account; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Escheatment Processing \| each \| $25.00"	Source
Paper Statements	$0Below the typical range ($2–$5 nationally)	$3 below the national median	per month	Knox read a free fee from Rosetta artifact #4651. canonical_hint=paper_statement; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Paper Statements \| per month \| FREE"	Source
Overdraft & NSFVerified
ATM/Debit Overdraft \| per occurrence	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=overdraft; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="ATM/Debit Overdraft \| per occurrence \| $30.00"	Source
NSF Returns \| per item returned
ATM & CardVerified
ATM Transfers \| after 2 per month	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=atm_non_network; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="ATM Transfers \| after 2 per month \| $1.00"	Source
ATM/Debit "Hot Card" Fee \| for lost/abused cards
Wire TransfersVerified
Wire Transfers	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	Knox read a free fee from Rosetta artifact #4651. canonical_hint=wire_domestic_incoming; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Wire Transfers \| incoming \| FREE"	Source
Wire Transfers \| outgoing	$25
Check ServicesVerified
Bill Pay Stop Payment \| per item returned	$10Below the typical range ($20–$30 nationally)	$15.50 below the national median	per item	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=stop_payment; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Bill Pay Stop Payment \| per item returned \| $10.00"	Source
Cashiers Checks
Digital & ElectronicVerified
Bill Pay Fee	$0Within the typical range ($0–$11.29 nationally)	$4.97 below the national median	per month	Knox read a free fee from Rosetta artifact #4651. canonical_hint=bill_pay; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Bill Pay Fee \| per month \| FREE"	Source
Account ServicesVerified
Levies and Garnishments \| per occurrence	$50Within the typical range ($30–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=garnishment_levy; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Levies and Garnishments \| per occurrence \| $50.00"	Source
Notary Service
Gift & Prepaid CardsVerified
Visa Gift Cards \| per card	$4Within the typical range ($3–$4.50 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=gift_card_purchase; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Visa Gift Cards \| per card \| $4.00"	Source
Other FeesVerified
Statement Copy \| per month	$1Below the typical range ($2–$5 nationally)	$2 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4651. canonical_hint=document_reproduction; text_hash=de3afc4b29a98f9bdd03de68b3f4a36e8fea7e0d489b490a18b7e522fcaf650d; excerpt="Statement Copy \| per month \| $1.00"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 22 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$20.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$20.4M

Total deposits

$17.4M

Service charge income (year to date)

$7K

Fee income ratio

1.6%

Return on assets

0.74%

Financial profile · Pro

Performance from regulator filings

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

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Based on 28,880 verified fees from 2,290 institutions

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