Polish-American Federal Credit Union

Headquarters: Troy, Michigan
Charter: Credit Union
Assets: $195.1M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

NSF / Returned Item
Polish-American Federal Credit Union: $25
Polish-American Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Polish-American Federal Credit Union: $2
Polish-American Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Polish-American Federal Credit Union: $20
Polish-American Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 Polish-American Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Mainenance Fee$3
per month
Dormant Account Maintenance Fee$1
per month

Overdraft & NSF

NSF Charge for ACH$25
per item
NSF Charge for Checks$25
per item
Overdraft Transfer from Shares to Share Draft$1

ATM & Card

Non-Network ATM Withdrawals$2
Replacement Debit Card$5
Replacement Visa Card$5
Replacement VISA Card$10

Wire Transfers

Outgoing Wire Transfers - Domestic$20
Outgoing Wire Transfers - International$50
Incoming Wire Transfer - Domestic & International$10

Check Services

Cashiers Checks$5
Money Orders$2
Canadian Check Fee$10
Copy of Check$5

Account Services

Notary ServiceNo charge
Garnishments/Levies$35

Lending Fees

Late Charge5%

Gift & Prepaid Cards

Gift Cards$5

Other Fees

Duplicate Statement$2
Fax$0.50
Not compared: Charged per page; comparison unavailable
per page
VISA Statement Copies$5
Loan Application FeeNo charge
Mortgage Payoff Statement$30

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Mainenance Fee	$3	per month	None
Dormant Account Maintenance Fee	$1	per month	None
Overdraft & NSF
NSF Charge for ACH	$25	per item	None
NSF Charge for Checks	$25	per item	None
Overdraft Transfer from Shares to Share Draft	$1	Not stated	None
ATM & Card
Non-Network ATM Withdrawals	$2	Not stated	None
Replacement Debit Card	$5	Not stated	None
Replacement Visa Card	$5	Not stated	None
Replacement VISA Card	$10	Not stated	None
Wire Transfers
Outgoing Wire Transfers - Domestic	$20	Not stated	None
Outgoing Wire Transfers - International	$50	Not stated	None
Incoming Wire Transfer - Domestic & International	$10	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$2	Not stated	None
Canadian Check Fee	$10	Not stated	None
Copy of Check	$5	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Garnishments/Levies	$35	Not stated	None
Lending Fees
Late Charge	5%	Not stated	None
Gift & Prepaid Cards
Gift Cards	$5	Not stated	None
Other Fees
Duplicate Statement	$2	Not stated	None
Fax	$0.50Not compared: Charged per page; comparison unavailable	per page	None
VISA Statement Copies	$5	Not stated	None
Loan Application Fee	No charge	Not stated	None
Mortgage Payoff Statement	$30	Not stated	None

Correct a fee source

Nov 3, 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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