Circle Federal Credit Union

Headquarters: Niles, Michigan
Charter: Credit Union
Assets: $117.4M
Fed district: Chicago

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

Overdraft (OD)
Circle Federal Credit Union: $21
Circle Federal Credit Union: $21
U.S. median: no median
NSF / Returned Item
Circle Federal Credit Union: $21
Circle Federal Credit Union: $21
U.S. median: no median
Wire Transfer (Domestic Out)
Circle Federal Credit Union: $20
Circle Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 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 Circle Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee (if balance falls below $50)$5
per month
Payoff Fax Fee$20
Paper Statement Mailed to Members Age 18-64 (audience not stated, treated as personal)$2

Overdraft & NSF

Courtesy Pay Fee (audience not stated, treated as personal)$21
per item
Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal)$21
per item
NSF fee$21

ATM & Card

ATM/Debit Card Replacement - Rush/Overnighted (audience not stated, treated as personal)$30

Wire Transfers

Wire Transfer - Outgoing Domestic (audience not stated, treated as personal)$20

Check Services

Stop Payment Fee (per item/series) (audience not stated, treated as personal)$10
per item

Account Services

Tax Levy/Garnishment or Withholding Processing (audience not stated, treated as personal)$50
Subordination Agreement Processing (audience not stated, treated as personal)$150

Other Fees

Loan Modification (audience not stated, treated as personal)$500
Skip-a-Payment (on qualifying loans) (audience not stated, treated as personal)$35
per item
Third Party Payoff Request$20

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee (if balance falls below $50)	$5	per month	None
Payoff Fax Fee	$20	Not stated	None
Paper Statement Mailed to Members Age 18-64 (audience not stated, treated as personal)	$2	Not stated	None
Overdraft & NSF
Courtesy Pay Fee (audience not stated, treated as personal)	$21	per item	None
Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal)	$21	per item	None
NSF fee	$21	Not stated	None
ATM & Card
ATM/Debit Card Replacement - Rush/Overnighted (audience not stated, treated as personal)	$30	Not stated	None
Wire Transfers
Wire Transfer - Outgoing Domestic (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Stop Payment Fee (per item/series) (audience not stated, treated as personal)	$10	per item	None
Account Services
Tax Levy/Garnishment or Withholding Processing (audience not stated, treated as personal)	$50	Not stated	None
Subordination Agreement Processing (audience not stated, treated as personal)	$150	Not stated	None
Other Fees
Loan Modification (audience not stated, treated as personal)	$500	Not stated	None
Skip-a-Payment (on qualifying loans) (audience not stated, treated as personal)	$35	per item	None
Third Party Payoff Request	$20	Not stated	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 13, 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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