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

Journey Federal Credit Union

Saint Johns, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

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Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$25Within the typical range ($20–$25 nationally)

Inactive Account Fee$10

$5 above the national median

per month · Source

Overdraft & NSFVerified

Non-sufficient Funds (NSF) Item$29Within the typical range ($25–$31 nationally)
$1 below the national median
Source
Overdraft Privilege (ODP) Item$29Within the typical range ($25–$32 nationally)
$1 below the national median
Source
Overdraft Transfer$3Within the typical range ($3–$5 nationally)
$2 below the national median
Source

ATM & CardVerified

JFCU & All Co-Op Network ATM$0Below the typical range ($1–$2.50 nationally)
$1.75 below the national median
Source
Replacement Card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Check ServicesVerified

Cashier Check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Source
Money Order - up to$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Source
Stop Payment$29Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Digital & ElectronicVerified

Bill Pay$2.50Within the typical range ($0–$11.37 nationally)
$2.45 below the national median
per month · Source

Account ServicesVerified

Garnishment/Levies$100Above the typical range ($30–$75 nationally)
$50 above the national median
per item · Source

Other FeesVerified

Quick Cash Loan Application Fee$20Within the typical range ($20–$35 nationally)
$9.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Inactive Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Overdraft & NSFVerified
Non-sufficient Funds (NSF) Item	$29Within the typical range ($25–$31 nationally)	$1 below the national median	—	—	Source
Overdraft Privilege (ODP) Item	$29
ATM & CardVerified
JFCU & All Co-Op Network ATM	$0Below the typical range ($1–$2.50 nationally)	$1.75 below the national median	—	—	Source
Replacement Card	$10
Check ServicesVerified
Cashier Check	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	—	Source
Check Cashing Fee	$5
Digital & ElectronicVerified
Bill Pay	$2.50Within the typical range ($0–$11.37 nationally)	$2.45 below the national median	per month	—	Source
Account ServicesVerified
Garnishment/Levies	$100Above the typical range ($30–$75 nationally)	$50 above the national median	per item	—	Source
Other FeesVerified
Quick Cash Loan Application Fee	$20Within the typical range ($20–$35 nationally)	$9.50 below the national median	—	—	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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 14 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$186.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$186.5M

Total deposits

$165.9M

Service charge income (year to date)

$563K

Fee income ratio

10.8%

Return on assets

0.68%

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 33,861 verified fees from 2,470 institutions

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