Settlers Federal Credit Union

Headquarters: Bruce Crossing, Michigan
Charter: Credit Union
Assets: $37.8M
Fed district: Minneapolis

13 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
Compared at $19.50, the middle of its prices
Settlers Federal Credit Union: $19 to $20
Settlers Federal Credit Union: $19 to $20
U.S. median: no median
Wire Transfer (Domestic Out)
Settlers Federal Credit Union: $25
Settlers Federal Credit Union: $25
U.S. median: no median
Stop Payment
Settlers Federal Credit Union: $15
Settlers Federal Credit Union: $15
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 Minneapolis 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.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Settlers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormancy fee$5
Account Research (per hour)$22
Not compared: Charged per hour; comparison unavailable
per hour
Excess transaction fee$15
per item

Overdraft & NSF

NSF$20
per item
VISA return check$19

ATM & Card

Debit/ATM card replacement fee$10
VISA card replacement$10

Wire Transfers

Wire Transfer - outgoing only$25

Check Services

Money Order/Teller Check (cashiers)$1.20
per item
Stop payment (per check or series)$15
per item
Photo copy (per check)$1
per item

Digital & Electronic

ACH return item (both share and draft accts)$20
per item

Cash & Deposit

Self Serve Coin Counter2%
VISA cash advanceNo charge

Account Services

Legal Processing fee$25

Lending Fees

Loan Late fee (assessed after grace period)$20
VISA late payment (after grace period)$25

Other Fees

Statement copies (25 months and older)$20
per item
Statement copies (last 24 months)No charge

Fee	Amount	Basis	Note
Account Maintenance
Dormancy fee	$5	Not stated	None
Account Research (per hour)	$22Not compared: Charged per hour; comparison unavailable	per hour	None
Excess transaction fee	$15	per item	None
Overdraft & NSF
NSF	$20	per item	None
VISA return check	$19	Not stated	None
ATM & Card
Debit/ATM card replacement fee	$10	Not stated	None
VISA card replacement	$10	Not stated	None
Wire Transfers
Wire Transfer - outgoing only	$25	Not stated	None
Check Services
Money Order/Teller Check (cashiers)	$1.20	per item	None
Stop payment (per check or series)	$15	per item	None
Photo copy (per check)	$1	per item	None
Digital & Electronic
ACH return item (both share and draft accts)	$20	per item	None
Cash & Deposit
Self Serve Coin Counter	2%	Not stated	None
VISA cash advance	No charge	Not stated	None
Account Services
Legal Processing fee	$25	Not stated	None
Lending Fees
Loan Late fee (assessed after grace period)	$20	Not stated	None
VISA late payment (after grace period)	$25	Not stated	None
Other Fees
Statement copies (25 months and older)	$20	per item	None
Statement copies (last 24 months)	No charge	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.

Fee change alerts

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