Extra Federal Credit Union

Headquarters: Warren, Michigan
Charter: Credit Union
Assets: $345.4M
Fed district: Chicago

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

Source: its fee schedule, read Apr 21, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Extra Federal Credit Union: $10
Extra Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
Extra Federal Credit Union: $15 to $32
Extra Federal Credit Union: $15 to $32
U.S. median: no median
NSF / Returned Item
Extra Federal Credit Union: $32
Extra Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 21, 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 Extra Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Dormant Account (After 12 months of all account inactivity) (audience not stated, treated as personal)$5
per month
ING Account Balancing and Reconcilement$40
Paper Statement$2
Invalid Address Charge (audience not stated, treated as personal)$5
per month

Overdraft & NSF

Overdraft Charge/ Non-Sufficient Funds (NSF) (per submission/resubmission of an item for payment) (audience not stated, treated as personal)$15
per item
Point-of-Sale Pay (Courtesy Pay at ATM and Retailers) (audience not stated, treated as personal)$32
per item
Non-Sufficient Funds (NSF) (per submission/resubmission of an item for payment) (audience not stated, treated as personal)$32
per item
Returned Item through eBill Pay (NSF) (per submission/resubmission for an item for payment) (audience not stated, treated as personal)$32
per item
Overdraft Transfer (audience not stated, treated as personal)$3
per item

ATM & Card

Balance Inquiry at Foreign ATM (audience not stated, treated as personal)$2
per item
Extra Credit Union or Co-Op Network ATM (audience not stated, treated as personal)No charge
Transfer at Foreign ATM (audience not stated, treated as personal)$2
per item
Withdrawal at Foreign ATM (Assessed daily per withdrawal) (audience not stated, treated as personal)$2
per transaction
Replacement Card (audience not stated, treated as personal)$10
per item

Wire Transfers

Domestic Wire$30
Incoming Wire Transfer$10
per item
Foreign Wire (Outside United States)$75

Check Services

Cashier's Check$25
per item
Extra Credit Union Cashier’s Check$5
per item
Extra Credit Union Cashier’s Check Stop Payment$32
per item
Stop Payment (Valid for six months) (audience not stated, treated as personal)$32
per item
4% All Non-member Check Cashing$5
per item
Check Cashing$2
per item
Designer Checks See Pricing Guide Check Copies (audience not stated, treated as personal)$5
per item

Cash & Deposit

Returned deposit item fee assessed if drawn on an account held by the member$32

Account Services

Notary Service$5
Not compared: Charged per document; comparison unavailable
per document
10x10 Safe Deposit Box Rental$95
per year
2x5 Safe Deposit Box Rental$25
per year
3x10 Safe Deposit Box Rental$45
per year
3x5 Safe Deposit Box Rental$30
per year
5x10 Safe Deposit Box Rental$65
per year
Replacement Key (audience not stated, treated as personal)$25
Not compared: Box drilling or key fee
per item
Tax Levy/Garnishment$75
Subordination on Mortgages$150
Verification of Deposit$5

Lending Fees

Loan Late Payment – loans after 05/18/09, but before 07/01/2010 (15 days past due)$20
Loan Late Payment – loans after 07/01/2010 (15 days past due)$35

Other Fees

Statement Copy (Duplicate)$3
Extra Quick Loan Application Fee$35
Not compared: Monthly charge, not per item
per month
HELOC Returned Payment (audience not stated, treated as personal)$25
per item
Loan Processing Service Charge$75
Loan Refinance (IF APPLICABLE, SEE AN MS REP FOR DETAILS)$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Dormant Account (After 12 months of all account inactivity) (audience not stated, treated as personal)	$5	per month	None
ING Account Balancing and Reconcilement	$40	Not stated	None
Paper Statement	$2	Not stated	None
Invalid Address Charge (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
Overdraft Charge/ Non-Sufficient Funds (NSF) (per submission/resubmission of an item for payment) (audience not stated, treated as personal)	$15	per item	None
Point-of-Sale Pay (Courtesy Pay at ATM and Retailers) (audience not stated, treated as personal)	$32	per item	None
Non-Sufficient Funds (NSF) (per submission/resubmission of an item for payment) (audience not stated, treated as personal)	$32	per item	None
Returned Item through eBill Pay (NSF) (per submission/resubmission for an item for payment) (audience not stated, treated as personal)	$32	per item	None
Overdraft Transfer (audience not stated, treated as personal)	$3	per item	None
ATM & Card
Balance Inquiry at Foreign ATM (audience not stated, treated as personal)	$2	per item	None
Extra Credit Union or Co-Op Network ATM (audience not stated, treated as personal)	No charge	Not stated	None
Transfer at Foreign ATM (audience not stated, treated as personal)	$2	per item	None
Withdrawal at Foreign ATM (Assessed daily per withdrawal) (audience not stated, treated as personal)	$2	per transaction	None
Replacement Card (audience not stated, treated as personal)	$10	per item	None
Wire Transfers
Domestic Wire	$30	Not stated	None
Incoming Wire Transfer	$10	per item	None
Foreign Wire (Outside United States)	$75	Not stated	None
Check Services
Cashier's Check	$25	per item	None
Extra Credit Union Cashier’s Check	$5	per item	None
Extra Credit Union Cashier’s Check Stop Payment	$32	per item	None
Stop Payment (Valid for six months) (audience not stated, treated as personal)	$32	per item	None
4% All Non-member Check Cashing	$5	per item	None
Check Cashing	$2	per item	None
Designer Checks See Pricing Guide Check Copies (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Returned deposit item fee assessed if drawn on an account held by the member	$32	Not stated	None
Account Services
Notary Service	$5Not compared: Charged per document; comparison unavailable	per document	None
10x10 Safe Deposit Box Rental	$95	per year	None
2x5 Safe Deposit Box Rental	$25	per year	None
3x10 Safe Deposit Box Rental	$45	per year	None
3x5 Safe Deposit Box Rental	$30	per year	None
5x10 Safe Deposit Box Rental	$65	per year	None
Replacement Key (audience not stated, treated as personal)	$25Not compared: Box drilling or key fee	per item	None
Tax Levy/Garnishment	$75	Not stated	None
Subordination on Mortgages	$150	Not stated	None
Verification of Deposit	$5	Not stated	None
Lending Fees
Loan Late Payment – loans after 05/18/09, but before 07/01/2010 (15 days past due)	$20	Not stated	None
Loan Late Payment – loans after 07/01/2010 (15 days past due)	$35	Not stated	None
Other Fees
Statement Copy (Duplicate)	$3	Not stated	None
Extra Quick Loan Application Fee	$35Not compared: Monthly charge, not per item	per month	None
HELOC Returned Payment (audience not stated, treated as personal)	$25	per item	None
Loan Processing Service Charge	$75	Not stated	None
Loan Refinance (IF APPLICABLE, SEE AN MS REP FOR DETAILS)	$50	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

Apr 21, 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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