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

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Account Fee$10Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Privilege (ODP) Item$29Within the typical range ($25–$33 nationally)
$1 below the national medianAt the Michigan median
per item · Source
Non-sufficient Funds (NSF) Item$29Within the typical range ($25–$32 nationally)
$1 below the national medianAt the Michigan median
per item · Source
Overdraft Transfer$3Within the typical range ($2.50–$5 nationally)
$2 below the national median$0.50 below the Michigan median
per item · Source

Check ServicesVerified

Cashier Check$3Within the typical range ($3–$6 nationally)
$2 below the national medianAt the Michigan median
per item · Source
Money Order$3Within the typical range ($1.50–$3 nationally)
$1 above the national median$1 above the Michigan median
per item · Source
Stop Payment$29Within the typical range ($20–$30 nationally)
$1.50 above the national median$2 above the Michigan median
Source
Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national medianAt the Michigan median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Inactive Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Michigan median	per month	—	Source
Account Research	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$6.25 above the Michigan median	—	—	Source
Bad Address (returned mail)	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$13.75 below the Michigan median	per item	—	Source
Overdraft & NSFVerified
Overdraft Privilege (ODP) Item	$29Within the typical range ($25–$33 nationally)	$1 below the national medianAt the Michigan median	per item	—	Source
Non-sufficient Funds (NSF) Item	$29
ATM & CardVerified
Replacement Card	$10Within the typical range ($5–$10 nationally)	At the national median$2.50 above the Michigan median	per item	—	Source
Check ServicesVerified
Cashier Check	$3Within the typical range ($3–$6 nationally)	$2 below the national medianAt the Michigan median	per item	—	Source
Money Order	$3
Digital & ElectronicVerified
Bill Pay	$2.50Within the typical range ($0–$9.95 nationally)	At the national median$0.50 below the Michigan median	per month	—	Source
Account ServicesVerified
Garnishment/Levies	$100Above the typical range ($30–$90 nationally)	$50 above the national median$50 above the Michigan median	per item	—	Source
Other FeesVerified
Quick Cash Loan Application Fee	$20Below the typical range ($25–$100 nationally)	$17.50 below the national median$22.50 below the Michigan median	—	—	Source

Fee change alerts

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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

14 verified fees collected

Headline fees published

6 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

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Based on 65,788 published fee entries from 3,612 institutions

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