Michigan Educational Federal Credit Union

Headquarters: Plymouth, Michigan
Charter: Credit Union
Assets: $1.1B
Fed district: Chicago

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
Michigan Educational Federal Credit Union: $30
Michigan Educational Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Michigan Educational Federal Credit Union: $30
Michigan Educational Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Michigan Educational Federal Credit Union: $1
Michigan Educational Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Michigan Educational Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheat Fee$25
Not compared: Annual charge, not monthly
per year
Inactive account$5
per month
Account Reconciliation per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail/Bad address$5
per month

Overdraft & NSF

Non-Sufficient Funds/Courtesy Pay$30
per item
Non-Sufficient Funds/Uncollected Funds/Courtesy$30
Overdraft LOC transfer$7
Overdraft transfer from Savings$7

ATM & Card

Withdrawals at foreign (Non-MECU) ATM terminals after$1
Damaged Card Replacement$2
Replacement ATM/Debit Card$2
Foreign Transaction (audience not stated, treated as personal)1%of the transaction
Foreign Transaction Fee1%of the transaction

Wire Transfers

Outgoing Domestic Wire$20
per item
Outgoing Foreign Wire$35
Not compared: Daily charge, not per item
per day

Check Services

Money Order/Cashiers Check$2
per item
Stop Payment$20
Additional charge applicable for express mail: Non Member Check Cashing Fee$10
per item
Draft Copy$1
per item

Digital & Electronic

Online Bill Payment$6

Cash & Deposit

Non-Member Cash Advance$10
per item
Deposit item return fee$15

Account Services

Safe Deposit Box 10x10$85
per year
Safe Deposit Box 3x10$35
per year
Safe Deposit Box 3x5$25
per year
Safe Deposit Box 5x10$50
per year
Tax Levy/Garnishment$25

Lending Fees

Late Payment$25
Late Payment$25
per item

Other Fees

Statement Copy$1
Loan Modification/Extension$25

Fee	Amount	Basis	Note
Account Maintenance
Escheat Fee	$25Not compared: Annual charge, not monthly	per year	None
Inactive account	$5	per month	None
Account Reconciliation per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail/Bad address	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds/Courtesy Pay	$30	per item	None
Non-Sufficient Funds/Uncollected Funds/Courtesy	$30	Not stated	None
Overdraft LOC transfer	$7	Not stated	None
Overdraft transfer from Savings	$7	Not stated	None
ATM & Card
Withdrawals at foreign (Non-MECU) ATM terminals after	$1	Not stated	None
Damaged Card Replacement	$2	Not stated	None
Replacement ATM/Debit Card	$2	Not stated	None
Foreign Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	per item	None
Outgoing Foreign Wire	$35Not compared: Daily charge, not per item	per day	None
Check Services
Money Order/Cashiers Check	$2	per item	None
Stop Payment	$20	Not stated	None
Additional charge applicable for express mail: Non Member Check Cashing Fee	$10	per item	None
Draft Copy	$1	per item	None
Digital & Electronic
Online Bill Payment	$6	Not stated	None
Cash & Deposit
Non-Member Cash Advance	$10	per item	None
Deposit item return fee	$15	Not stated	None
Account Services
Safe Deposit Box 10x10	$85	per year	None
Safe Deposit Box 3x10	$35	per year	None
Safe Deposit Box 3x5	$25	per year	None
Safe Deposit Box 5x10	$50	per year	None
Tax Levy/Garnishment	$25	Not stated	None
Lending Fees
Late Payment	$25	Not stated	None
Late Payment	$25	per item	None
Other Fees
Statement Copy	$1	Not stated	None
Loan Modification/Extension	$25	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

Oct 16, 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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