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

Dow Federal Credit Union

Midland, MichiganCredit UnionChicago Fed districtFees collected Aug 10, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research Fee$20Within the typical range ($20–$25 nationally)

Dormant Account Fee$5

At the national median

per month · Source

Share Account Closing Fee$5

$10 below the national median

Source

Overdraft & NSFVerified

Courtesy Pay Fee (Courtesy Pay Fee applies to overdrafts created by check, in‑person withdrawal, ATM withdrawal, or othe$20Below the typical range ($25–$32 nationally)
$10 below the national median
Source

Check ServicesVerified

Check Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Order Fee$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Official Check Fee$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source

Digital & ElectronicVerified

Through Bill Pay offered through Online Banking, there is a minimum transaction limitation of$1Within the typical range ($0–$11.48 nationally)
$3.97 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research Fee	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Share Account Closing Fee	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee (Courtesy Pay Fee applies to overdrafts created by check, in‑person withdrawal, ATM withdrawal, or othe	$20Below the typical range ($25–$32 nationally)	$10 below the national median	—	—	Source
Check ServicesVerified
Check Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Money Order Fee	$2Within the typical range ($1.75–$3 nationally)
Digital & ElectronicVerified
Through Bill Pay offered through Online Banking, there is a minimum transaction limitation of	$1Within the typical range ($0–$11.48 nationally)	$3.97 below the national median	—	—	Source

Fee change alerts

Get an email when Dow Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Dow Federal Credit Union? Benchmark it against peers, free

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

$20

Overdraft fee: $20

33% below the national median overdraft fee

Total fees: 8 — leaner than most institutions

Headline fees published

2 of 15

Published fees

Under review

Assets

$2.6B

Work at Dow Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$2.6B

Total deposits

$2.3B

Service charge income (year to date)

$1.3M

Fee income ratio

1.9%

Return on assets

0.76%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 34,850 published fee entries from 2,498 institutions

See pricing