Blue Water Federal Credit Union

Headquarters: Port Huron, Michigan
Charter: Credit Union
Assets: $20.4M
Fed district: Chicago

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
Blue Water Federal Credit Union: $30
Blue Water Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Blue Water Federal Credit Union: $30
Blue Water Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Blue Water Federal Credit Union: $1
Blue Water Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Blue Water Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee: per month (after 12 consecutive months of inactivity)$5
per month
Escheatment Notice | per notice$1
Escheatment Processing$25
per item
Paper StatementsNo charge
per month
Returned Mail$1
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ATM/Debit Overdraft$30
per item
NSF Returns$30
per item
Overdraft TransfersNo charge

ATM & Card

ATM Transfers: after 2 per month$1
ATM/Debit "Hot Card" Fee: for lost/abused cards$20
ATM/Debit Replacement Card$5
per item
Expedited Card Order$45
per item

Wire Transfers

Wire Transfers: outgoing$25
Wire TransfersNo charge
Wire Transfers: incomingNo charge

Check Services

Money Orders$1
per item
Bill Pay Stop Payment$10
per item
Counter ChecksNo charge
Non-Member Check Cashing$5
per item

Digital & Electronic

Bill Pay FeeNo charge
per month

Account Services

Notary ServiceNo charge
Levies and Garnishments$50
per item

Gift & Prepaid Cards

Visa Gift Cards$4
per item

Other Fees

Statement Copy$1
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee: per month (after 12 consecutive months of inactivity)	$5	per month	None
Escheatment Notice \| per notice	$1	Not stated	None
Escheatment Processing	$25	per item	None
Paper Statements	No charge	per month	None
Returned Mail	$1Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ATM/Debit Overdraft	$30	per item	None
NSF Returns	$30	per item	None
Overdraft Transfers	No charge	Not stated	None
ATM & Card
ATM Transfers: after 2 per month	$1	Not stated	None
ATM/Debit "Hot Card" Fee: for lost/abused cards	$20	Not stated	None
ATM/Debit Replacement Card	$5	per item	None
Expedited Card Order	$45	per item	None
Wire Transfers
Wire Transfers: outgoing	$25	Not stated	None
Wire Transfers	No charge	Not stated	None
Wire Transfers: incoming	No charge	Not stated	None
Check Services
Money Orders	$1	per item	None
Bill Pay Stop Payment	$10	per item	None
Counter Checks	No charge	Not stated	None
Non-Member Check Cashing	$5	per item	None
Digital & Electronic
Bill Pay Fee	No charge	per month	None
Account Services
Notary Service	No charge	Not stated	None
Levies and Garnishments	$50	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$4	per item	None
Other Fees
Statement Copy	$1Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 16, 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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