Compared with Michigan
11 of 18
compared fees are above the median.
4 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
38th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 18 compared; 4 below, 3 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for University Of Michigan Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | University Of Michigan Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.7% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (38th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $1.3M in Q2 2026, 3.6% above the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 18 compared published fees sit above the Michigan median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Michigan medians for fees published by banks and credit unions.
Monthly Maintenance
Interest Checking
Overdraft (OD)
NSF / Returned Item
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.
Fee income was about level from Q3 2025 to Q2 2026, at $1.3M. Its share of revenue, 5.7%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.3M
University Of Michigan Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
University Of Michigan Federal Credit Union · $1.5B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| University Of Michigan Federal Credit Union(this institution) | Ann Arbor, MI | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Amoco Federal Credit Union | Texas City, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avadian Federal Credit Union | Birmingham, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Centris Federal Credit Union | Omaha, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Credit Union of Florida | Rockledge, FL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Financial Federal Credit Union | Plymouth, MI | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union West | Glendale, AZ | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East Texas Professional Federal Credit Union | Longview, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Commonwealth Federal Credit Union | Lehigh Valley, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Federal Credit Union | Houston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Great Lakes Federal Credit Union | Bannockburn, IL | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Launch Credit Union | Merritt Island, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Leaders Credit Union | Jackson, TN | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Listerhill Federal Credit Union | Sheffield, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Multipli Federal Credit Union | Jefferson City, MO | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| One Nevada Federal Credit Union | Las Vegas, NV | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onpath Federal Credit Union | Metairie, LA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palmetto Citizens Federal Credit Union | Columbia, SC | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Park Federal Credit Union | Louisville, KY | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| S. C. State Federal Credit Union | Columbia, SC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sandia Area Federal Credit Union | Albuquerque, NM | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sikorsky Financial Federal Credit Union | Stratford, CT | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Summit Federal Credit Union | Rochester, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U.S. Eagle Federal Credit Union | Albuquerque, NM | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United States Senate Federal Credit Union | Alexandria, VA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $8 among 17 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for University Of Michigan Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.3M | +$57K | +4.6% |
| Q1 2026 | $1.2M | −$40K | −3.1% |
| Q4 2025 | $1.3M | −$29K | −2.2% |
| Q3 2025 | $1.3M | +$57K | +4.5% |
| Q2 2025 | $1.3M | +$105K | +9.1% |
| Q1 2025 | $1.1M | −$93K | −7.5% |
| Q4 2024 | $1.2M | −$37K | −2.9% |
| Q3 2024 | $1.3M | +$96K | +8.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, University Of Michigan Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to University Of Michigan Federal Credit Union by share.
Amounts from University Of Michigan Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account/Activity Account Closing Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account/Activity Inactivity Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Pre-Escheats Processing Fee | $100Above the U.S. middle 50% ($5 to $10 nationally) | 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) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Paper Statement Fee (if not enrolled in eStatements) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Account/Activity Courtesy Pay (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Account/Activity Non-Sufficient Funds (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Account/Activity Overdraft Protection (preauthorized transfers from savings, checking, Visa® or Line of credit) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Overdraft Protection (preauthorized transfers from savings, checking, Visa® or Line of credit) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card (audience not stated, treated as personal) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee (Checks/ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Account/Activity Temporary Checks (quantity of 4) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Checks (quantity of 4) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Account/Activity Non-Member Check Cashing Fee (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Non-Member Check Cashing Fee (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account/Activity Sales Draft Copy (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Sales Draft Copy (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Account/Activity Bill Pay Expedited Payment (audience not stated, treated as personal) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Expedited Payment (audience not stated, treated as personal) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Account/Activity Returned Deposit Item Fee | $12Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposit Item Fee | $12Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Account/Activity Non-Member Notary Fee (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Non-Member Notary Fee (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Account/Activity Garnishment/Levy Processing Fee (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Garnishment/Levy Processing Fee (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Account/Activity Visa® Gift Card | $5.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa® Gift Card | $5.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Account/Activity Skip-a-Pay (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Refinance of UMCU or EMUCU Loan (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-a-Pay (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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.
Where University Of Michigan Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
16 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Ann Arbor, MI | 10 |
| Ypsilanti, MI | 2 |
| Burton, MI | 1 |
| Dearborn, MI | 1 |
| Grand Blanc, MI | 1 |
| Northville, MI | 1 |
Largest competitors nearby
Local market: Washtenaw county, MI, around its headquarters.
| 16 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.7% |
| Bank of Ann Arbor | 13.4% |
| The Huntington National Bank | 11.5% |
| PNC Bank, National Association | 10% |
| University Bank | 8.8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.