Lenco Federal Credit Union

Headquarters: Adrian, Michigan
Charter: Credit Union
Assets: $145.0M
Fed district: Chicago

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

Source: its fee schedule, read Nov 5, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Lenco Federal Credit Union: $25
Lenco Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Lenco Federal Credit Union: $25
Lenco Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Lenco Federal Credit Union: $25
Lenco Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

Lenco Federal Credit Union · $145M 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 17 states.

Credit unions only
$141M to $149M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Lenco Federal Credit Union(this institution)	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Cheney Federal Credit Union	Cheney, WA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Lakeview, MI	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
East County Schools Federal Credit Union	El Cajon, CA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financialedge Federal Credit Union	Bay City, MI	$147M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hawaii County Employees Federal Credit Union	Hilo, HI	$148M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Maui Federal Credit Union	Kahului, HI	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
R T P Federal Credit Union	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Syracuse Fire Department Employees Federal Credit Union	Syracuse, NY	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tru Fi Federal Credit Union	Macclenny, FL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Xplore Federal Credit Union	Metairie, LA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Lenco Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 9 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Lenco Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Lenco Federal Credit UnionPeer (equal prices stack)Peer medianInclude 4 outliers ($2.50, $3, $6, $10)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Lenco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (2 years)$2
Escheats – after 3 years$50
Account Reconcilement$15
Returned Statement / Mail$2

Overdraft & NSF

Overdraft Courtesy Check Pay$25
NSF Check Return$25
Savings Transfer to Cover Overdraft$3

ATM & Card

Debit/ATM Card Replacement$5

Wire Transfers

Domestic Wire Outgoing$25
Domestic Wire Incoming$10
Foreign Wire Outgoing$45

Check Services

Cashier Checks (1 free per month)$1
Money Orders$1
Stop Payment Check or ACH$25
Foreign Item Deposit$10
Check Copy$3

Cash & Deposit

Coin Counter (Branch office only)No charge
Deposited Check Return$10

Account Services

Notary ServicesNo charge
Garnishment/Legal Process Fee$25
History or Deposit Verification Printout$1

Gift & Prepaid Cards

Visa Gift Cards$5

Other Fees

Statement Reprint$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (2 years)	$2	Not stated	None
Escheats – after 3 years	$50	Not stated	None
Account Reconcilement	$15	Not stated	None
Returned Statement / Mail	$2	Not stated	None
Overdraft & NSF
Overdraft Courtesy Check Pay	$25	Not stated	None
NSF Check Return	$25	Not stated	None
Savings Transfer to Cover Overdraft	$3	Not stated	None
ATM & Card
Debit/ATM Card Replacement	$5	Not stated	None
Wire Transfers
Domestic Wire Outgoing	$25	Not stated	None
Domestic Wire Incoming	$10	Not stated	None
Foreign Wire Outgoing	$45	Not stated	None
Check Services
Cashier Checks (1 free per month)	$1	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment Check or ACH	$25	Not stated	None
Foreign Item Deposit	$10	Not stated	None
Check Copy	$3	Not stated	None
Cash & Deposit
Coin Counter (Branch office only)	No charge	Not stated	None
Deposited Check Return	$10	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment/Legal Process Fee	$25	Not stated	None
History or Deposit Verification Printout	$1	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$5	Not stated	None
Other Fees
Statement Reprint	$3	Not stated	None

Correct a fee source

Nov 5, 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.

Fee change alerts

Get an email when Lenco Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Lenco Federal Credit Union: $25
Lenco Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Lenco Federal Credit Union: $25
Lenco Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Lenco Federal Credit Union: $25
Lenco Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 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.

Among its peers

Lenco Federal Credit Union · $145M 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 17 states.

Credit unions only
$141M to $149M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Lenco Federal Credit Union(this institution)	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Cheney Federal Credit Union	Cheney, WA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Lakeview, MI	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
East County Schools Federal Credit Union	El Cajon, CA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financialedge Federal Credit Union	Bay City, MI	$147M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hawaii County Employees Federal Credit Union	Hilo, HI	$148M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Maui Federal Credit Union	Kahului, HI	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
R T P Federal Credit Union	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Syracuse Fire Department Employees Federal Credit Union	Syracuse, NY	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tru Fi Federal Credit Union	Macclenny, FL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Xplore Federal Credit Union	Metairie, LA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Lenco Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 9 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Lenco Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Lenco Federal Credit UnionPeer (equal prices stack)Peer medianInclude 4 outliers ($2.50, $3, $6, $10)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Lenco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (2 years)$2
Escheats – after 3 years$50
Account Reconcilement$15
Returned Statement / Mail$2

Overdraft & NSF

Overdraft Courtesy Check Pay$25
NSF Check Return$25
Savings Transfer to Cover Overdraft$3

ATM & Card

Debit/ATM Card Replacement$5

Wire Transfers

Domestic Wire Outgoing$25
Domestic Wire Incoming$10
Foreign Wire Outgoing$45

Check Services

Cashier Checks (1 free per month)$1
Money Orders$1
Stop Payment Check or ACH$25
Foreign Item Deposit$10
Check Copy$3

Cash & Deposit

Coin Counter (Branch office only)No charge
Deposited Check Return$10

Account Services

Notary ServicesNo charge
Garnishment/Legal Process Fee$25
History or Deposit Verification Printout$1

Gift & Prepaid Cards

Visa Gift Cards$5

Other Fees

Statement Reprint$3

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (2 years)	$2	Not stated	None
Escheats – after 3 years	$50	Not stated	None
Account Reconcilement	$15	Not stated	None
Returned Statement / Mail	$2	Not stated	None
Overdraft & NSF
Overdraft Courtesy Check Pay	$25	Not stated	None
NSF Check Return	$25	Not stated	None
Savings Transfer to Cover Overdraft	$3	Not stated	None
ATM & Card
Debit/ATM Card Replacement	$5	Not stated	None
Wire Transfers
Domestic Wire Outgoing	$25	Not stated	None
Domestic Wire Incoming	$10	Not stated	None
Foreign Wire Outgoing	$45	Not stated	None
Check Services
Cashier Checks (1 free per month)	$1	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment Check or ACH	$25	Not stated	None
Foreign Item Deposit	$10	Not stated	None
Check Copy	$3	Not stated	None
Cash & Deposit
Coin Counter (Branch office only)	No charge	Not stated	None
Deposited Check Return	$10	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment/Legal Process Fee	$25	Not stated	None
History or Deposit Verification Printout	$1	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$5	Not stated	None
Other Fees
Statement Reprint	$3	Not stated	None

Correct a fee source

Nov 5, 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.