Michigan State University Federal Credit Union

Headquarters: East Lansing, Michigan
Charter: Credit Union
Assets: $8.9B
Fed district: Chicago

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

Source: its fee schedule, read Oct 9, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Classic Checking $5 · Rebuild Checking $10
Compared at $7.50, the middle of its prices
Michigan State University Federal Credit Union: $5 to $10
Michigan State University Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Michigan State University Federal Credit Union: $30
Michigan State University Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $15, the middle of its prices
Michigan State University Federal Credit Union: $0 to $30
Michigan State University Federal Credit Union: $0 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Michigan State University Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Classic Checking Monthly service charge$5
per month
Rebuild Checking Monthly service charge$10
per month
Minimum balance charge$5
per month
Dormant Account$5
per month
Checkbook Balancing$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay for Debit$30
Non-Sufficient Funds (NSF)$30
Non-Sufficient Funds (NSF)No charge

ATM & Card

ATM$2
Non-CO-OP Network ATM$1
per item
Debit Card Replacement$5
per transaction

Wire Transfers

Domestic Wire Transfer$20
Outgoing Domestic Wire Transfer$25
Incoming Domestic Wire TransferNo charge
Incoming Wire Transfer$5
Outgoing International Wire Transfer$50
Incoming International Wire TransferNo charge

Check Services

Cashier’s Check$5
Cashier’s Checks$2
Money Order$2
Money Order$3
Stop Payment$25
Temporary Checks$2
Not compared: Charged per page; comparison unavailable
per page
Temporary Checks$1
Not compared: Charged per page; comparison unavailable
per page
On-Us Check Cashing for Non-Member$5
per item
International Checks requiring long collection$75
International Checks requiring short collection$25
Check Copy$5

Digital & Electronic

Online Bill Payment — Pay BillsNo charge

Cash & Deposit

Coin Machine Use (Non-members)10%
Re-Deposit Returned Item$5
Returned Deposited Check: DomesticNo charge
Returned Deposited Check: International$50
Returned Deposited Item Domestic$15

Account Services

Notary$1
Not compared: Charged per page; comparison unavailable
per page
Safe Deposit Box 10x10x24$120
Safe Deposit Box 3x10x24$40
Safe Deposit Box 3x5x24$30
per year
Safe Deposit Box 5x10x24$60
Safe Deposit Box Charges: 5x5x246$35
Safe Deposit Box Replacement Key$35
Not compared: Box drilling or key fee
Garnishment$75
per item

Lending Fees

Consumer Loan Late Payment$25

Retirement & IRA

IRA/HSA Outgoing Transfer/Rollover$20

Gift & Prepaid Cards

Visa Gift Card$4.50

Other Fees

Statement Copy$5
Skip-A-Pay$35
Skip-A-Pay Application$25

Fee	Amount	Basis	Note
Account Maintenance
Classic Checking Monthly service charge	$5	per month	None
Rebuild Checking Monthly service charge	$10	per month	None
Minimum balance charge	$5	per month	None
Dormant Account	$5	per month	None
Checkbook Balancing	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay for Debit	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
Non-Sufficient Funds (NSF)	No charge	Not stated	None
ATM & Card
ATM	$2	Not stated	None
Non-CO-OP Network ATM	$1	per item	None
Debit Card Replacement	$5	per transaction	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
Outgoing Domestic Wire Transfer	$25	Not stated	None
Incoming Domestic Wire Transfer	No charge	Not stated	None
Incoming Wire Transfer	$5	Not stated	None
Outgoing International Wire Transfer	$50	Not stated	None
Incoming International Wire Transfer	No charge	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Cashier’s Checks	$2	Not stated	None
Money Order	$2	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$25	Not stated	None
Temporary Checks	$2Not compared: Charged per page; comparison unavailable	per page	None
Temporary Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
On-Us Check Cashing for Non-Member	$5	per item	None
International Checks requiring long collection	$75	Not stated	None
International Checks requiring short collection	$25	Not stated	None
Check Copy	$5	Not stated	None
Digital & Electronic
Online Bill Payment — Pay Bills	No charge	Not stated	None
Cash & Deposit
Coin Machine Use (Non-members)	10%	Not stated	None
Re-Deposit Returned Item	$5	Not stated	None
Returned Deposited Check: Domestic	No charge	Not stated	None
Returned Deposited Check: International	$50	Not stated	None
Returned Deposited Item Domestic	$15	Not stated	None
Account Services
Notary	$1Not compared: Charged per page; comparison unavailable	per page	None
Safe Deposit Box 10x10x24	$120	Not stated	None
Safe Deposit Box 3x10x24	$40	Not stated	None
Safe Deposit Box 3x5x24	$30	per year	None
Safe Deposit Box 5x10x24	$60	Not stated	None
Safe Deposit Box Charges: 5x5x246	$35	Not stated	None
Safe Deposit Box Replacement Key	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment	$75	per item	None
Lending Fees
Consumer Loan Late Payment	$25	Not stated	None
Retirement & IRA
IRA/HSA Outgoing Transfer/Rollover	$20	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4.50	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None
Skip-A-Pay	$35	Not stated	None
Skip-A-Pay Application	$25	Not stated	None

Correct a fee source

Oct 9, 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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