Freestar Financial Federal Credit Union

Headquarters: Mount Clemens, Michigan
Charter: Credit Union
Assets: $350.0M
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 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
Freestar Financial Federal Credit Union: $15
Freestar Financial Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
Freestar Financial Federal Credit Union: $30
Freestar Financial Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Freestar Financial Federal Credit Union: $30
Freestar Financial Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Freestar Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking, Fresh Start Monthly service charge (audience not stated, treated as personal)$15
per month
Closed Account (within 12 months of opening)$10
Dormant Account (No Activity, 1 year)$5
per month
Escheat Fee$100
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25.00/hour
Paper Statement$2
Bad Address Maintenance (per month)$5
per month

Overdraft & NSF

Courtesy Pay$30
Non Sufficient Funds (NSF)$30
Returned ACH Payment$30
Overdraft Transfer$3

ATM & Card

ATM Withdrawal$3
ATM/Debit Card Replacement$10
Card Replacement$10
Express Delivery of ATM/Debit Card (audience not stated, treated as personal)$45
per item

Wire Transfers

Wire Transfer - Domestic$25
Wire Transfer - Incoming$5

Check Services

Money Orders$3
Stop Payment$30
Temporary Checks$2
Not compared: Charged per page; comparison unavailable
per page · Temporary Checks | $2.00/page
Check Cashing (FreeStar Financial checks only)$10
per item
Collection Item Fee$50
Foreign Check Processing$30
Check Copy$4
per item
Online Check ImageNo charge
Sales Draft Copy$5

Digital & Electronic

Bill PayNo charge
Bill Pay Next Day Overnighted Checks$30

Cash & Deposit

Cash Advance3%of the advance ($10 minimum)
Return Deposit Item$30

Account Services

Notary Public ServiceNo charge
Notary Public Service$10
Garnishment/Levy Processing Fee$75
Legal Processing$75
Verification of Deposit$5

Lending Fees

Late Charge$25

Retirement & IRA

IRA Closed Account (within 12 months of opening)$30

Other Fees

Rush Delivery (audience not stated, treated as personal)$40
per item
Duplicate Statement Copy$2
Statement Copy$2
Payoff Quote Fee for Mortgage/HELOC (requested by a 3rd Party)$10
Refinance FreeStar Financial Loan$100
Skip-a-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Checking, Fresh Start Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Closed Account (within 12 months of opening)	$10	Not stated	None
Dormant Account (No Activity, 1 year)	$5	per month	None
Escheat Fee	$100	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25.00/hour
Paper Statement	$2	Not stated	None
Bad Address Maintenance (per month)	$5	per month	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Non Sufficient Funds (NSF)	$30	Not stated	None
Returned ACH Payment	$30	Not stated	None
Overdraft Transfer	$3	Not stated	None
ATM & Card
ATM Withdrawal	$3	Not stated	None
ATM/Debit Card Replacement	$10	Not stated	None
Card Replacement	$10	Not stated	None
Express Delivery of ATM/Debit Card (audience not stated, treated as personal)	$45	per item	None
Wire Transfers
Wire Transfer - Domestic	$25	Not stated	None
Wire Transfer - Incoming	$5	Not stated	None
Check Services
Money Orders	$3	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks	$2Not compared: Charged per page; comparison unavailable	per page	Temporary Checks \| $2.00/page
Check Cashing (FreeStar Financial checks only)	$10	per item	None
Collection Item Fee	$50	Not stated	None
Foreign Check Processing	$30	Not stated	None
Check Copy	$4	per item	None
Online Check Image	No charge	Not stated	None
Sales Draft Copy	$5	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Bill Pay Next Day Overnighted Checks	$30	Not stated	None
Cash & Deposit
Cash Advance	3%of the advance ($10 minimum)	Not stated	None
Return Deposit Item	$30	Not stated	None
Account Services
Notary Public Service	No charge	Not stated	None
Notary Public Service	$10	Not stated	None
Garnishment/Levy Processing Fee	$75	Not stated	None
Legal Processing	$75	Not stated	None
Verification of Deposit	$5	Not stated	None
Lending Fees
Late Charge	$25	Not stated	None
Retirement & IRA
IRA Closed Account (within 12 months of opening)	$30	Not stated	None
Other Fees
Rush Delivery (audience not stated, treated as personal)	$40	per item	None
Duplicate Statement Copy	$2	Not stated	None
Statement Copy	$2	Not stated	None
Payoff Quote Fee for Mortgage/HELOC (requested by a 3rd Party)	$10	Not stated	None
Refinance FreeStar Financial Loan	$100	Not stated	None
Skip-a-Payment	$35	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 1, 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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