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

Michigan Educational Federal Credit Union

Plymouth, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation per hour$25Within the typical range ($20–$25 nationally)

Escheat fee$25

$20 above the national median

Source

Inactive account$5

At the national median

per month · Source

Overdraft & NSFVerified

Non-Sufficient Funds/Uncollected Funds/Courtesy$30Within the typical range ($25–$31 nationally)
At the national median
Source
Overdraft transfer from Savings$7Above the typical range ($3–$5 nationally)
$2 above the national median
Source
Returned payment$15Below the typical range ($25–$31 nationally)
$15 below the national median
Source

ATM & CardVerified

Replacement ATM/Debit Card$2Below the typical range ($5–$10 nationally)
$8 below the national median
Source
Withdrawals at foreign (Non-MECU) ATM terminals after$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source

Wire TransfersVerified

Outgoing domestic wire$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source
Outgoing foreign wire$35Below the typical range ($40–$50 nationally)
$15 below the national median
Source

Check ServicesVerified

Money order/Cashier’s checks$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
Source
Stop Payment$20Within the typical range ($20–$30 nationally)
$5 below the national median
Source

Digital & ElectronicVerified

Online Bill Payment$6Within the typical range ($0–$11.37 nationally)
$1.05 above the national median
Source

Cash & DepositVerified

Deposit item return fee$15Within the typical range ($10–$25 nationally)
At the national median
Source

Account ServicesVerified

Tax Levy/Garnishment$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source

Lending FeesVerified

Loan Modification/Extension$25Within the typical range ($25–$50 nationally)
$9 below the national median
Source

Other FeesVerified

Statement copy$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation per hour	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Escheat fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Inactive account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds/Uncollected Funds/Courtesy	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Overdraft transfer from Savings	$7
ATM & CardVerified
Replacement ATM/Debit Card	$2Below the typical range ($5–$10 nationally)	$8 below the national median	—	—	Source
Withdrawals at foreign (Non-MECU) ATM terminals after	$1
Wire TransfersVerified
Outgoing domestic wire	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Outgoing foreign wire	$35
Check ServicesVerified
Money order/Cashier’s checks	$2Below the typical range ($3–$5.50 nationally)	$3 below the national median	—	—	Source
Stop Payment	$20
Digital & ElectronicVerified
Online Bill Payment	$6Within the typical range ($0–$11.37 nationally)	$1.05 above the national median	—	—	Source
Cash & DepositVerified
Deposit item return fee	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Account ServicesVerified
Tax Levy/Garnishment	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Lending FeesVerified
Loan Modification/Extension	$25Within the typical range ($25–$50 nationally)	$9 below the national median	—	—	Source
Other FeesVerified
Statement copy	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source

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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.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$1.1B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.1B

Total deposits

$987.0M

Service charge income (year to date)

$805K

Fee income ratio

3.5%

Return on assets

0.49%

Financial profile · Pro

Performance from regulator filings

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