Wildfire Federal Credit Union

Headquarters: Saginaw, Michigan
Charter: Credit Union
Assets: $1.2B
Fed district: Chicago

20 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.

Overdraft (OD)
Wildfire Federal Credit Union: $30
Wildfire Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Wildfire Federal Credit Union: $30
Wildfire Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Wildfire Federal Credit Union: $2 to $5
Wildfire Federal Credit Union: $2 to $5
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 Wildfire Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (audience not stated, treated as personal)$10
per month
03-01-2026 4 Our Service Charges Account reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
ATM Adjustment$5

Overdraft & NSF

Overdraft paid by CU$30
per item
Non-Sufficient Funds (NSF)$30

ATM & Card

ATM - Foreign ATM Fees$2
ATM Balance Inquiry (at non-Wildfire ATM)$5
ATM Balance Inquiry (at non-Wildfire ATM)$2
Replace lost or damaged Debit or VISA® card$5
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Wires$20
Incoming Wires$10

Check Services

Cashier’s Check (Corporate Check)$5
per item
Money Order$2
Stop payment$30
VISA® Stop Payment on.$5
Counter checks (standard package) 4$2
Non-Member On-Us check cashing fee$5
Copies of checks cleared 4 free$2

Cash & Deposit

Coin Machine2%
Deposited checks returned (third-party check)$10

Account Services

Notary$5
Garnishment/Levy$50

Retirement & IRA

IRA Transfer$25

Gift & Prepaid Cards

Visa Gift Card (Members)$2
Visa® Gift Card (Non-Members)$5

Other Fees

Copy of statement$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (audience not stated, treated as personal)	$10	per month	None
03-01-2026 4 Our Service Charges Account reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
ATM Adjustment	$5	Not stated	None
Overdraft & NSF
Overdraft paid by CU	$30	per item	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
ATM & Card
ATM - Foreign ATM Fees	$2	Not stated	None
ATM Balance Inquiry (at non-Wildfire ATM)	$5	Not stated	None
ATM Balance Inquiry (at non-Wildfire ATM)	$2	Not stated	None
Replace lost or damaged Debit or VISA® card	$5	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wires	$20	Not stated	None
Incoming Wires	$10	Not stated	None
Check Services
Cashier’s Check (Corporate Check)	$5	per item	None
Money Order	$2	Not stated	None
Stop payment	$30	Not stated	None
VISA® Stop Payment on.	$5	Not stated	None
Counter checks (standard package) 4	$2	Not stated	None
Non-Member On-Us check cashing fee	$5	Not stated	None
Copies of checks cleared 4 free	$2	Not stated	None
Cash & Deposit
Coin Machine	2%	Not stated	None
Deposited checks returned (third-party check)	$10	Not stated	None
Account Services
Notary	$5	Not stated	None
Garnishment/Levy	$50	Not stated	None
Retirement & IRA
IRA Transfer	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card (Members)	$2	Not stated	None
Visa® Gift Card (Non-Members)	$5	Not stated	None
Other Fees
Copy of statement	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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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