Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Wildfire Federal Credit Union

Saginaw, MichiganCredit UnionChicago Fed districtFees collected Oct 2, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

.....................................................$5Within the typical range ($5–$200 nationally)

Knox deterministic extraction from Rosetta artifact #338. canonical_hint=monthly_maintenance; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt=".....................................................$5.00 Preauthorized Recurring Transaction An NSF service charge is assessed each time an item is pre- sented against insufficie" · Source

(Closed within 90 days of opening) Escheat ..........................................................................$10

$10 below the national median

Knox deterministic extraction from Rosetta artifact #338. canonical_hint=early_closure; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$10.00 (Closed within 90 days of opening) Escheat .........................................................................." · Source

03-01-2026 4 Our Service Charges Account reconciliation$25

$10 above the national median

Knox deterministic extraction from Rosetta artifact #338. canonical_hint=account_research; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="03-01-2026 4 Our Service Charges Account reconciliation .......................................$25.00 per hour ACH Rejected Item ..................................................." · Source

Dormant Account...........................................$30

$20 above the national median

Knox deterministic extraction from Rosetta artifact #338. canonical_hint=dormant_account; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$30.00 Dormant Account..........................................." · Source

per month (dormant 12 months or greater) Early Membership Closure .............................................$10

At the national median

per month · Knox deterministic extraction from Rosetta artifact #338. canonical_hint=dormant_account; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$10.00 per month (dormant 12 months or greater) Early Membership Closure ............................................." · Source

Overdraft & NSFVerified

Non-Sufficient Funds (NSF) ..........................................$2Below the typical range ($10–$30 nationally)
$23 below the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=nsf; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$2.00 Non-Sufficient Funds (NSF) .........................................." · Source
Overdraft paid by CU ........................................$5Below the typical range ($7.50–$35 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=overdraft; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 Overdraft paid by CU ........................................" · Source

ATM & CardVerified

ATM Adjustment ..............................................................$5Within the typical range ($2–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=atm_non_network; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 ATM Adjustment .............................................................." · Source
International Transaction Fee ...........$50Above the typical range ($3–$30 nationally)
$40 above the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=card_foreign_txn; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$50.00 International Transaction Fee ..........." · Source
Replace lost or damaged Debit or VISA® card .................$5Within the typical range ($5–$19.38 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=card_replacement; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 Replace lost or damaged Debit or VISA® card ................." · Source

Check ServicesVerified

(for check - electronic withdrawal – Third-Party Corporate Check – Money Order) Visa® Gift Card (Members) ..............$30Above the typical range ($2–$18.75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=money_order; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$30.00 (for check - electronic withdrawal – Third-Party Corporate Check – Money Order) Visa® Gift Card (Members) ..............................................." · Source
Money Order ....................................................................$10Within the typical range ($2–$18.75 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=money_order; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$10.00 Money Order ...................................................................." · Source
Non-Member On-Us check cashing fee............................$30Within the typical range ($5–$100 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=check_cashing; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$30.00 Non-Member On-Us check cashing fee............................" · Source
per check Check printing .................................................................$5Within the typical range ($1–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=check_printing; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 per check Check printing ................................................................." · Source
per hour + per copy/ minimum Stop payment .................................................................$25Within the typical range ($17.50–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=stop_payment; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$25 per hour +$1.00 per copy/$25 minimum Stop payment ................................................................." · Source
VISA® Stop Payment on.$5Below the typical range ($17.50–$30 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=stop_payment; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 VISA® Stop Payment on." · Source

Account ServicesVerified

(for withdrawals exceeding 3 per month) (maximum of 6 withdrawals per month allowed.) Garnishment/Levy .................$25Within the typical range ($25–$100 nationally)
$25 below the national median
per month · Knox deterministic extraction from Rosetta artifact #338. canonical_hint=garnishment_levy; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$25.00 (for withdrawals exceeding 3 per month) (maximum of 6 withdrawals per month allowed.) Garnishment/Levy .........................................................." · Source
Notary ...............................................................................$5Within the typical range ($0–$5.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=notary_fee; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 Notary ..............................................................................." · Source

Gift & Prepaid CardsVerified

Visa® Gift Card (Non-Members) .......................................$2Below the typical range ($3.06–$8.99 nationally)
$2.49 below the national median
Knox deterministic extraction from Rosetta artifact #338. canonical_hint=gift_card_purchase; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$2.00 Visa® Gift Card (Non-Members) ......................................." · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
.....................................................	$5Within the typical range ($5–$200 nationally)	$12.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=monthly_maintenance; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt=".....................................................$5.00 Preauthorized Recurring Transaction An NSF service charge is assessed each time an item is pre- sented against insufficie"	Source
(Closed within 90 days of opening) Escheat ..........................................................................	$10Within the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=early_closure; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$10.00 (Closed within 90 days of opening) Escheat .........................................................................."	Source
03-01-2026 4 Our Service Charges Account reconciliation	$25Within the typical range ($5–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=account_research; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="03-01-2026 4 Our Service Charges Account reconciliation .......................................$25.00 per hour ACH Rejected Item ..................................................."	Source
Dormant Account...........................................	$30Within the typical range ($5–$52.50 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=dormant_account; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$30.00 Dormant Account..........................................."	Source
per month (dormant 12 months or greater) Early Membership Closure .............................................	$10Within the typical range ($5–$52.50 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=dormant_account; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$10.00 per month (dormant 12 months or greater) Early Membership Closure ............................................."	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) ..........................................	$2Below the typical range ($10–$30 nationally)	$23 below the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=nsf; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$2.00 Non-Sufficient Funds (NSF) .........................................."	Source
ATM & CardVerified
ATM Adjustment ..............................................................	$5Within the typical range ($2–$35 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=atm_non_network; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$5.00 ATM Adjustment .............................................................."	Source
Check ServicesVerified
(for check - electronic withdrawal – Third-Party Corporate Check – Money Order) Visa® Gift Card (Members) ..............	$30Above the typical range ($2–$18.75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=money_order; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$30.00 (for check - electronic withdrawal – Third-Party Corporate Check – Money Order) Visa® Gift Card (Members) ..............................................."	Source
Account ServicesVerified
(for withdrawals exceeding 3 per month) (maximum of 6 withdrawals per month allowed.) Garnishment/Levy .................	$25Within the typical range ($25–$100 nationally)	$25 below the national median	per month	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=garnishment_levy; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$25.00 (for withdrawals exceeding 3 per month) (maximum of 6 withdrawals per month allowed.) Garnishment/Levy .........................................................."	Source
Gift & Prepaid CardsVerified
Visa® Gift Card (Non-Members) .......................................	$2Below the typical range ($3.06–$8.99 nationally)	$2.49 below the national median	—	Knox deterministic extraction from Rosetta artifact #338. canonical_hint=gift_card_purchase; text_hash=1cc3bc4e947a98b984d10e1ca4ea745ba79498c48009f1e14aa3f0eb52cdf6b3; excerpt="$2.00 Visa® Gift Card (Non-Members) ......................................."	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

Overdraft fee: $5

80% below the national median overdraft fee

Total fees: 19 — leaner than most institutions

Verified fees

Under review

Assets

$1.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.2B

Total deposits

$1.1B

Service charge income (year to date)

$2.4M

Fee income ratio

6.4%

Return on assets

0.59%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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