18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Interest Checking
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from University Of Michigan Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour · Account Research Fee | $30.00 per hour
per hour
per month
per month
per item
per item
per item
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Interest Checking Monthly Maintenance (audience not stated, treated as personal) | $8 | per month | None |
| Account Closing Fee (audience not stated, treated as personal) | $10 | Not stated | None |
| Account/Activity Account Closing Fee (audience not stated, treated as personal) | $10 | Not stated | None |
| Account/Activity Inactivity Fee (audience not stated, treated as personal) | $5 | per month | None |
| Inactivity Fee (audience not stated, treated as personal) | $5 | per month | None |
| Pre-Escheats Processing Fee | $100 | Not stated | None |
| Account Research Fee (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee | $30.00 per hour |
| Account/Activity Account Research Fee (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account/Activity Paper Statement Fee (if not enrolled in eStatements) | $3 | per month | None |
| Paper Statement Fee (if not enrolled in eStatements) | $3 | per month | None |
Overdraft & NSF | |||
| Account/Activity Courtesy Pay (audience not stated, treated as personal) | $30 | Not stated | None |
| Courtesy Pay (audience not stated, treated as personal) | $30 | Not stated | None |
| Account/Activity Non-Sufficient Funds (audience not stated, treated as personal) | $30 | per item | None |
| Account/Activity Overdraft Protection (preauthorized transfers from savings, checking, Visa® or Line of credit) (audience not stated, treated as personal) | $2 | per item | None |
| Overdraft Protection (preauthorized transfers from savings, checking, Visa® or Line of credit) (audience not stated, treated as personal) | $2 | per item | None |
ATM & Card | |||
| Account/Activity Non-UMCU/Non-EMUCU/Non-CO-OP Network ATM Transaction (audience not stated, treated as personal) | $2Not compared: Monthly charge, not per item | per month | None |
| Account/Activity Replacement Card (audience not stated, treated as personal) | $7.50 | Not stated | None |
| Replacement Card (audience not stated, treated as personal) | $7.50 | Not stated | None |
| Account/Activity Foreign Transaction (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Account/Activity Stop Payment Fee (Checks/ACH) (audience not stated, treated as personal) | $30 | per item | None |
| Stop Payment Fee (Checks/ACH) | $30 | per item | None |
| Account/Activity Temporary Checks (quantity of 4) (audience not stated, treated as personal) | $2 | Not stated | None |
| Temporary Checks (quantity of 4) (audience not stated, treated as personal) | $2 | Not stated | None |
| Account/Activity Non-Member Check Cashing Fee (audience not stated, treated as personal) | $7 | per item | None |
| Non-Member Check Cashing Fee (audience not stated, treated as personal) | $7 | per item | None |
| Account/Activity Sales Draft Copy (audience not stated, treated as personal) | $10 | Not stated | None |
| Sales Draft Copy (audience not stated, treated as personal) | $10 | Not stated | None |
Digital & Electronic | |||
| Account/Activity Bill Pay Expedited Payment (audience not stated, treated as personal) | $9.95 | Not stated | None |
| Bill Pay Expedited Payment (audience not stated, treated as personal) | $9.95 | Not stated | None |
Cash & Deposit | |||
| Account/Activity Returned Deposit Item Fee | $12 | per item | None |
| Returned Deposit Item Fee | $12 | per item | None |
Account Services | |||
| Account/Activity Non-Member Notary Fee (audience not stated, treated as personal) | $10 | Not stated | None |
| Non-Member Notary Fee (audience not stated, treated as personal) | $10 | Not stated | None |
| Account/Activity Garnishment/Levy Processing Fee (audience not stated, treated as personal) | $75 | Not stated | None |
| Garnishment/Levy Processing Fee (audience not stated, treated as personal) | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Account/Activity Visa® Gift Card | $5.95 | Not stated | None |
| Visa® Gift Card | $5.95 | Not stated | None |
Other Fees | |||
| Account/Activity Skip-a-Pay (audience not stated, treated as personal) | $35 | Not stated | None |
| Refinance of UMCU or EMUCU Loan (audience not stated, treated as personal) | $75 | Not stated | None |
| Skip-a-Pay (audience not stated, treated as personal) | $35 | 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
Nov 4, 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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