Health Advantage Federal Credit Union

Headquarters: Saginaw, Michigan
Charter: Credit Union
Assets: $179.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 11, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Premium Checking Account
Health Advantage Federal Credit Union: $2.95
Health Advantage Federal Credit Union: $2.95
U.S. median: no median
Overdraft (OD)
Health Advantage Federal Credit Union: $30
Health Advantage Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Health Advantage Federal Credit Union: $30
Health Advantage Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Health Advantage Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Premium Checking Account Monthly service charge (audience not stated, treated as personal)$2.95
per month
Early Closure (account closed within 12 months of open date)$10
Inactive Account$5
per month
Account Reconciliation & Research$20
Not compared: Charged per hour; comparison unavailable
per hour
ATM Adjustment$5

Overdraft & NSF

Overdraft Courtesy Pay$30
Item Returned Non-Sufficient Funds (NSF)$30
per item
Returned Check/Payment (audience not stated, treated as personal)$30

ATM & Card

ATM Withdrawal/Transfer (audience not stated, treated as personal)$1
per item
ATM/Debit Card Replacement (after 1st free replacement)$15
ATM/Debit Card Rush Delivery$35

Wire Transfers

Wire Transfer (outgoing)$30

Check Services

Official Check (under $1000)$3
per item
Money Orders$2
per item
Stop Payment (ACH or check)$20
Temporary Checks$4
Check Cashing (member)$5
Check Copy$2

Digital & Electronic

Bill Pay$4.99
per month

Cash & Deposit

Coin Machine (non-member) (audience not stated, treated as personal)10%
Cash Advance (with a non-HAFCU card)$10

Account Services

Subpoena/Legal Request Processing$10

Lending Fees

Credit Card Late Charge (see Visa disclosure)$25

Gift & Prepaid Cards

Gift Card$3
per item

Other Fees

Document Photocopies 2 free$0.25
per item
CUSTAT and Holiday Loan Application$20
Skip a Pay (each loan skipped)$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Premium Checking Account Monthly service charge (audience not stated, treated as personal)	$2.95	per month	None
Early Closure (account closed within 12 months of open date)	$10	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation & Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
ATM Adjustment	$5	Not stated	None
Overdraft & NSF
Overdraft Courtesy Pay	$30	Not stated	None
Item Returned Non-Sufficient Funds (NSF)	$30	per item	None
Returned Check/Payment (audience not stated, treated as personal)	$30	Not stated	None
ATM & Card
ATM Withdrawal/Transfer (audience not stated, treated as personal)	$1	per item	None
ATM/Debit Card Replacement (after 1st free replacement)	$15	Not stated	None
ATM/Debit Card Rush Delivery	$35	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$30	Not stated	None
Check Services
Official Check (under $1000)	$3	per item	None
Money Orders	$2	per item	None
Stop Payment (ACH or check)	$20	Not stated	None
Temporary Checks	$4	Not stated	None
Check Cashing (member)	$5	Not stated	None
Check Copy	$2	Not stated	None
Digital & Electronic
Bill Pay	$4.99	per month	None
Cash & Deposit
Coin Machine (non-member) (audience not stated, treated as personal)	10%	Not stated	None
Cash Advance (with a non-HAFCU card)	$10	Not stated	None
Account Services
Subpoena/Legal Request Processing	$10	Not stated	None
Lending Fees
Credit Card Late Charge (see Visa disclosure)	$25	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	None
Other Fees
Document Photocopies 2 free	$0.25	per item	None
CUSTAT and Holiday Loan Application	$20	Not stated	None
Skip a Pay (each loan skipped)	$35	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 11, 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.

Fee change alerts

Get an email when Health Advantage Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.