25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Apr 21, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Extra Federal Credit Union · $345M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Extra Federal Credit Union(this institution) | Warren, MI | $345M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Of Ny Federal Credit Union | Rochester, NY | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Worth City Federal Credit Union | Fort Worth, TX | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guadalupe Federal Credit Union | Santa Fe, NM | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Library Of Congress Federal Credit Union | Washington, DC | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Massmutual Federal Credit Union | Springfield, MA | $344M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Plus Federal Credit Union | Medford, MA | $349M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan United Federal Credit Union | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oregonians Federal Credit Union | Milwaukie, OR | $339M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pinal County Federal Credit Union | Casa Grande, AZ | $339M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prince George'S Community Federal Credit Union | Bowie, MD | $337M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Strata Federal Credit Union | Bakersfield, CA | $345M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telcomm Federal Credit Union | Springfield, MO | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Transportation Federal Credit Union | Alexandria, VA | $346M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unitedone Federal Credit Union | Manitowoc, WI | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Us Community Federal Credit Union | Nashville, TN | $346M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Virginia Central Federal Credit Union | Parkersburg, WV | $341M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $6 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Extra Federal Credit Union’s own schedules, with a source for each figure.
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| 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
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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