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, under $300M

Lenco Federal Credit Union

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

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account (2 years)$2Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

NSF Check Return$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source
Overdraft Courtesy Check Pay$25Within the typical range ($25–$32 nationally)
$5 below the national median
Source

ATM & CardVerified

Debit/ATM Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Debit/ATM Pin Replacement$3Below the typical range ($5–$10 nationally)
$7 below the national median
Source

Wire TransfersVerified

Domestic Wire Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Source
Domestic Wire Outgoing$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Cashier Checks (1 free per month)$1Below the typical range ($3–$5.50 nationally)
$4 below the national median
per month · Source
Check Copy$3Within the typical range ($2–$5 nationally)
At the national median
Source
Money Orders$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Stop Payment Check or ACH$25Within the typical range ($20–$30 nationally)
At the national median
Source

Account ServicesVerified

Garnishment/Legal Process Fee$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source
Notary Services$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account (2 years)	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
Overdraft & NSFVerified
NSF Check Return	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	—	Source
Overdraft Courtesy Check Pay	$25
ATM & CardVerified
Debit/ATM Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Debit/ATM Pin Replacement	$3
Wire TransfersVerified
Domestic Wire Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Domestic Wire Outgoing	$25
Check ServicesVerified
Cashier Checks (1 free per month)	$1Below the typical range ($3–$5.50 nationally)	$4 below the national median	per month	—	Source
Check Copy	$3
Cash & DepositVerified
Deposited Check Return	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
Garnishment/Legal Process Fee	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Notary Services	$0
Gift & Prepaid CardsVerified
Visa Gift Cards	$5Above the typical range ($3–$4.47 nationally)	$1.50 above the national median	—	—	Source
Other FeesVerified
Statement Reprint	$3Within the typical range ($2–$5 nationally)	At 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.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$145.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$145.0M

Total deposits

$126.1M

Service charge income (year to date)

$397K

Fee income ratio

11.0%

Return on assets

1.09%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 33,861 verified fees from 2,470 institutions

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