Loc Federal Credit Union

Headquarters: Farmington, Michigan
Charter: Credit Union
Assets: $485.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
Loc Federal Credit Union: $30
Loc Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Loc Federal Credit Union: $20
Loc Federal Credit Union: $20
U.S. median: no median
Stop Payment
Loc Federal Credit Union: $30
Loc Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 Loc Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Dormant Account (after 12 months) (audience not stated, treated as personal)$25
per month

Overdraft & NSF

Non-Sufficient Funds or Overdraft Privilege (audience not stated, treated as personal)$30
Overdraft Transfer (Same or Another Acct) (audience not stated, treated as personal)$3

ATM & Card

Replacement Card Rush Fee (audience not stated, treated as personal)$35
Foreign transaction fee (multiple currency)1%of the transaction

Wire Transfers

Outgoing Wire Transfer (audience not stated, treated as personal)$20

Check Services

Cashier's Check (audience not stated, treated as personal)$2
Money Order (audience not stated, treated as personal)$2
Stop Payment on Money Order (audience not stated, treated as personal)$30
Foreign Item Processing Fee$5
Not compared: Monthly charge, not per item
per month
Money Order Copy (audience not stated, treated as personal)$10

Cash & Deposit

Returned Deposited Item (Teller, Mobile, ATM) (audience not stated, treated as personal)$10
Returned Item Fee$5

Account Services

Garnishment/Levy (audience not stated, treated as personal)$50
Account Verification (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Dormant Account (after 12 months) (audience not stated, treated as personal)	$25	per month	None
Overdraft & NSF
Non-Sufficient Funds or Overdraft Privilege (audience not stated, treated as personal)	$30	Not stated	None
Overdraft Transfer (Same or Another Acct) (audience not stated, treated as personal)	$3	Not stated	None
ATM & Card
Replacement Card Rush Fee (audience not stated, treated as personal)	$35	Not stated	None
Foreign transaction fee (multiple currency)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Transfer (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Cashier's Check (audience not stated, treated as personal)	$2	Not stated	None
Money Order (audience not stated, treated as personal)	$2	Not stated	None
Stop Payment on Money Order (audience not stated, treated as personal)	$30	Not stated	None
Foreign Item Processing Fee	$5Not compared: Monthly charge, not per item	per month	None
Money Order Copy (audience not stated, treated as personal)	$10	Not stated	None
Cash & Deposit
Returned Deposited Item (Teller, Mobile, ATM) (audience not stated, treated as personal)	$10	Not stated	None
Returned Item Fee	$5	Not stated	None
Account Services
Garnishment/Levy (audience not stated, treated as personal)	$50	Not stated	None
Account Verification (audience not stated, treated as personal)	$5	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 12, 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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