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, $1B to $10B

Michigan State University Federal Credit Union

East Lansing, MichiganCredit UnionChicago Fed districtFees collected Oct 7, 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

Classic Checking Monthly service charge$5Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay for Debit$30Within the typical range ($25–$33 nationally)
At the national median$1 above the Michigan median
Source
Non-Sufficient Funds (NSF)$30Within the typical range ($25–$32 nationally)
At the national median$1 above the Michigan median
Source
Non-Sufficient Funds (NSF)$0Below the typical range ($25–$32 nationally)
$30 below the national median$29 below the Michigan median
Source

ATM & CardVerified

ATM$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national median$0.15 above the Michigan median
Source
Non-CO-OP Network ATM$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.85 below the Michigan median
per transaction · Source
7/26 per transaction Replacement ATM Card, Debit Card (including HSA Debit Card), or Credit Card Save your debit card or$5Within the typical range ($5–$10 nationally)
$5 below the national median$2.50 below the Michigan median
per transaction · Source

Wire TransfersVerified

Domestic Wire Transfer$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Michigan median
Source
Outgoing Domestic Wire Transfer$25Within the typical range ($20–$25 nationally)
At the national medianAt the Michigan median
Source
Incoming Domestic Wire Transfer$0Below the typical range ($5–$15 nationally)
$10 below the national median$5 below the Michigan median
Source
Incoming Wire Transfer$5Within the typical range ($5–$15 nationally)
$5 below the national medianAt the Michigan median
Source
Outgoing International Wire Transfer$50Within the typical range ($40–$50 nationally)
At the national median$5 above the Michigan median
Source
Incoming International Wire Transfer$0Below the typical range ($10–$25 nationally)
$20 below the national median$10 below the Michigan median
Source

Check ServicesVerified

Cashier’s Check$5Within the typical range ($3–$6 nationally)
At the national median$2 above the Michigan median
Source
Cashier’s Checks$2Below the typical range ($3–$6 nationally)
$3 below the national median$1 below the Michigan median
Source
Money Order$3Within the typical range ($1.50–$3 nationally)
$1 above the national median$1 above the Michigan median
Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Michigan median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2 below the Michigan median
Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median$1 below the Michigan median
per item · Source
Temporary Checks$2Within the typical range ($1–$4 nationally)
At the national medianAt the Michigan median
per item · Source
On-Us Check Cashing for Non-Member$5Within the typical range ($5–$10 nationally)
At the national medianAt the Michigan median
per item · Source
International Checks requiring long collection$75Above the typical range ($10–$25 nationally)
$55 above the national median$65 above the Michigan median
Source
International Checks requiring short collection$25Within the typical range ($10–$25 nationally)
$5 above the national median$15 above the Michigan median
Source
Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$1.50 above the Michigan median
Source

Cash & DepositVerified

Coin Machine Use (Non-members)10%
—
Source
Re-Deposit Returned Item$5Below the typical range ($8–$25 nationally)
$10 below the national median$10 below the Michigan median
Source
Returned Deposited Check: Domestic$0Below the typical range ($8–$25 nationally)
$15 below the national median$15 below the Michigan median
Source
Returned Deposited Check: International$50Above the typical range ($8–$25 nationally)
$35 above the national median$35 above the Michigan median
Source
Returned Deposited Item Domestic$15Within the typical range ($8–$25 nationally)
At the national medianAt the Michigan median
Source

Account ServicesVerified

Notary$1Within the typical range ($0–$5 nationally)
$1.50 below the national median$4 below the Michigan median
per item · Source
Safe Deposit Box 10x10x24$120Above the typical range ($30–$70 nationally)
$75 above the national median$71 above the Michigan median
per year · Source
Safe Deposit Box 3x10x24$40Within the typical range ($30–$70 nationally)
$5 below the national median$9 below the Michigan median
per year · Source
Safe Deposit Box 3x5x24$30Within the typical range ($30–$70 nationally)
$15 below the national median$19 below the Michigan median
per year · Source
Safe Deposit Box 5x10x24$60Within the typical range ($30–$70 nationally)
$15 above the national median$11 above the Michigan median
per year · Source
Safe Deposit Box Replacement Key$35Within the typical range ($30–$70 nationally)
$10 below the national median$14 below the Michigan median
Source
Garnishment$75Within the typical range ($30–$90 nationally)
$25 above the national median$25 above the Michigan median
per item · Source
garnishment received$75Within the typical range ($30–$90 nationally)
$25 above the national median$25 above the Michigan median
per item · Source

Other FeesVerified

Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Michigan median
Source
Skip-A-Pay$35Within the typical range ($25–$100 nationally)
$2.50 below the national median$6.25 below the Michigan median
Source
Skip-A-Pay Application$25Within the typical range ($25–$100 nationally)
$12.50 below the national median$16.25 below the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Classic Checking Monthly service charge	$5Within the typical range ($4–$10 nationally)	$1 below the national median$1.25 below the Michigan median	per month	—	Source
Rebuild Checking Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3.75 above the Michigan median	per month	—	Source
minimum balance charge	$5Within the typical range ($5–$10 nationally)	$2 below the national medianAt the Michigan median	per month	—	Source
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Michigan median	per month	—	Source
Checkbook Balancing	$25Within the typical range ($11–$25 nationally)	$7.50 above the national median$6.25 above the Michigan median	—	—	Source
Returned Mail	$5Below the typical range ($11–$25 nationally)	$12.50 below the national median$13.75 below the Michigan median	per item	—	Source
Overdraft & NSFVerified
Courtesy Pay for Debit	$30Within the typical range ($25–$33 nationally)	At the national median$1 above the Michigan median	—	—	Source
Non-Sufficient Funds (NSF)	$30
ATM & CardVerified
ATM	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national median$0.15 above the Michigan median	—	—	Source
Non-CO-OP Network ATM	$1
Wire TransfersVerified
Domestic Wire Transfer	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Michigan median	—	—	Source
Outgoing Domestic Wire Transfer	$25
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$6 nationally)	At the national median$2 above the Michigan median	—	—	Source
Cashier’s Checks	$2
Digital & ElectronicVerified
Online Bill Payment — Pay Bills	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$3 below the Michigan median	—	—	Source
Cash & DepositVerified
Coin Machine Use (Non-members)	10%	—	—	—	Source
Re-Deposit Returned Item	$5Below the typical range ($8–$25 nationally)	$10 below the national median
Account ServicesVerified
Notary	$1Within the typical range ($0–$5 nationally)	$1.50 below the national median$4 below the Michigan median	per item	—	Source
Safe Deposit Box 10x10x24	$120
Lending FeesVerified
Consumer Loan Late Payment	$25Within the typical range ($10–$25 nationally)	$5 above the national medianAt the Michigan median	—	—	Source
Retirement & IRAVerified
IRA/HSA Outgoing Transfer/Rollover	$20Below the typical range ($25–$35 nationally)	$5 below the national median$5 below the Michigan median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$4.50Within the typical range ($3–$4.95 nationally)	$1 above the national median$0.50 above the Michigan median	—	—	Source
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Michigan median	—	—	Source
Skip-A-Pay	$35

Against Michigan credit unions

Overdraft
$30.00
Of 78 others that publish it, 44 lower, 23 the same and 11 higher.
Monthly maintenance
$7.50
Of 28 others that publish it, 18 lower, 1 the same and 9 higher.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$8.9B

Total deposits

$7.3B

Service charge income (year to date)

$8.2M

Fee income ratio

2.8%

Return on assets

0.31%

Financial profile · Pro

Performance from regulator filings

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