Graco Federal Credit Union

Headquarters: Alma, Michigan
Charter: Credit Union
Assets: $38.2M
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
Graco Federal Credit Union: $25
Graco Federal Credit Union: $25
U.S. median: no median
Stop Payment
Graco Federal Credit Union: $15
Graco Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Int'l Out)
Graco Federal Credit Union: $40
Graco Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Graco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low Balance Fee (for Money Market Accounts)$5
Account Closure Fee$10
Dormant Account Fee$5
per month
Paper Statement Fee$3
Return Mail Fee$1
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (NSF) Charge$25
per item
For overdrafts on shares and/or share draft accounts. Transfers are made from the Primary A suffix share account only. M$25
Not compared: Monthly charge, not per item
per month
Overdraft Transfer Fee$5
per item

ATM & Card

Replacement ATM / Debit / Credit Cards$20
Express Shipment of Replacement ATM, Debit, or Credit Cards$40
per item

Wire Transfers

Wire Transfer Fee International$40

Check Services

Cashier's Check$5
Money Orders$1
per item
Stop Payment Fee$15
Check Cashing Fee$3
Check Copy Fee$2
per item
Check Image/Copy$5

Cash & Deposit

Returned Check Fee$20
per item

Account Services

Garnishment Processing Fee$20

Other Fees

Document Reproduction$5
Fax Fee$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy Fee$2
Loan Application Fees - Home Equity Loans$75
Loan Application fees - Quick Loans and Payday Loans$20

Fee	Amount	Basis	Note
Account Maintenance
Low Balance Fee (for Money Market Accounts)	$5	Not stated	None
Account Closure Fee	$10	Not stated	None
Dormant Account Fee	$5	per month	None
Paper Statement Fee	$3	Not stated	None
Return Mail Fee	$1Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (NSF) Charge	$25	per item	None
For overdrafts on shares and/or share draft accounts. Transfers are made from the Primary A suffix share account only. M	$25Not compared: Monthly charge, not per item	per month	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Replacement ATM / Debit / Credit Cards	$20	Not stated	None
Express Shipment of Replacement ATM, Debit, or Credit Cards	$40	per item	None
Wire Transfers
Wire Transfer Fee International	$40	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Orders	$1	per item	None
Stop Payment Fee	$15	Not stated	None
Check Cashing Fee	$3	Not stated	None
Check Copy Fee	$2	per item	None
Check Image/Copy	$5	Not stated	None
Cash & Deposit
Returned Check Fee	$20	per item	None
Account Services
Garnishment Processing Fee	$20	Not stated	None
Other Fees
Document Reproduction	$5	Not stated	None
Fax Fee	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy Fee	$2	Not stated	None
Loan Application Fees - Home Equity Loans	$75	Not stated	None
Loan Application fees - Quick Loans and Payday Loans	$20	Not stated	None

Correct a fee source

Nov 4, 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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