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

Construction Federal Credit Union

Bingham Farms, MichiganCredit UnionChicago Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Non sufficient funds fee$35Above the typical range ($25–$32 nationally)

Service fee$25

$20 above the national median$20 above the Michigan median

per month · Source

++ An overdraft transfer fee$4

$1 below the national median$0.50 above the Michigan median

Source

Overdraft transfer fee$4

$1 below the national median$0.50 above the Michigan median

per transaction · Source

Check ServicesVerified

Cashier's check$2Below the typical range ($3–$6 nationally)
$3 below the national median$1 below the Michigan median
per item · Source
Cashier's check =$2Below the typical range ($3–$6 nationally)
$3 below the national median$1 below the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Overdraft & NSFVerified
Non sufficient funds fee	$35Above the typical range ($25–$32 nationally)	$5 above the national median$6 above the Michigan median	per item	—	Source
Service fee	$25Above the typical range ($5–$15 nationally)	$20 above the national median$20 above the Michigan median	per month	—	Source
++ An overdraft transfer fee	$4Within the typical range ($2.50–$5 nationally)	$1 below the national median$0.50 above the Michigan median	—	—	Source
Overdraft transfer fee	$4Within the typical range ($2.50–$5 nationally)	$1 below the national median$0.50 above the Michigan median	per transaction	—	Source
Check ServicesVerified
Cashier's check	$2Below the typical range ($3–$6 nationally)	$3 below the national median$1 below the Michigan median	per item	—	Source
Cashier's check =	$2

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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.

NSF fee: $35

17% above the national median NSF fee

6 verified fees collected

Headline fees published

3 of 15

Published fees

Under review

Assets

$26.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$26.4M

Total deposits

$22.7M

Service charge income (year to date)

$16K

Fee income ratio

2.9%

Return on assets

0.50%

Financial profile · Pro

Performance from regulator filings

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