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, $300M to $1B

Loc Federal Credit Union

Farmington, MichiganCredit UnionChicago Fed districtFees collected Oct 8, 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

Monthly Dormant Account (after 12 months)$25Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds or Overdraft Privilege$30Within the typical range ($25–$33 nationally)
At the national median$1 above the Michigan median
Source
Overdraft Transfer (Same or Another Acct)$3Within the typical range ($2.50–$5 nationally)
$2 below the national median$0.50 below the Michigan median
Source

ATM & CardVerified

Replace VISA Credit Card$5Within the typical range ($5–$10 nationally)
$5 below the national median$2.50 below the Michigan median
Source
Replacement Card Rush Fee$35Within the typical range ($30–$50 nationally)
$5 below the national medianAt the Michigan median
Source
Foreign transaction fee (multiple currency)1%of the transaction
—
Source

Wire TransfersVerified

Outgoing Wire Transfer$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Michigan median
Source
Outgoing Wire Transfer International$40Within the typical range ($40–$50 nationally)
$10 below the national median$5 below the Michigan median
Source

Check ServicesVerified

Cashier's Check$2Below the typical range ($3–$6 nationally)
$3 below the national median$1 below the Michigan median
Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Michigan median
Source
Stop Payment on Money Order$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3 above the Michigan median
Source
Foreign Item Processing Fee$5Below the typical range ($10–$25 nationally)
$15 below the national median$5 below the Michigan median
per month · Source
Money Order Copy$10Above the typical range ($2–$5 nationally)
$7 above the national median$6.50 above the Michigan median
Source

Cash & DepositVerified

Returned Deposited Item (Teller, Mobile, ATM)$10Within the typical range ($8–$25 nationally)
$5 below the national median$5 below the Michigan median
Source
Returned Item Fee$5Below the typical range ($8–$25 nationally)
$10 below the national median$10 below the Michigan median
Source

Account ServicesVerified

Garnishment/Levy$50Within the typical range ($30–$90 nationally)
At the national medianAt the Michigan median
Source
Account Verification$5Within the typical range ($5–$15 nationally)
$5 below the national median$5 below the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Dormant Account (after 12 months)	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Michigan median	per month	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds or Overdraft Privilege	$30Within the typical range ($25–$33 nationally)	At the national median$1 above the Michigan median	—	—	Source
Overdraft Transfer (Same or Another Acct)	$3
ATM & CardVerified
Replace VISA Credit Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median$2.50 below the Michigan median	—	—	Source
Replacement Card Rush Fee	$35
Wire TransfersVerified
Outgoing Wire Transfer	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Michigan median	—	—	Source
Outgoing Wire Transfer International	$40
Check ServicesVerified
Cashier's Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median$1 below the Michigan median	—	—	Source
Money Order	$2
Cash & DepositVerified
Returned Deposited Item (Teller, Mobile, ATM)	$10Within the typical range ($8–$25 nationally)	$5 below the national median$5 below the Michigan median	—	—	Source
Returned Item Fee	$5
Account ServicesVerified
Garnishment/Levy	$50Within the typical range ($30–$90 nationally)	At the national medianAt the Michigan median	—	—	Source
Account Verification	$5

Against Michigan credit unions

Overdraft
$30.00
Of 78 others that publish it, 44 lower, 23 the same and 11 higher.

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

16 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$485.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$485.0M

Total deposits

$434.2M

Service charge income (year to date)

$973K

Fee income ratio

7.6%

Return on assets

1.00%

Financial profile · Pro

Performance from regulator filings

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Based on 65,787 published fee entries from 3,612 institutions

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