Michigan Coastal Federal Credit Union

Headquarters: Muskegon, Michigan
Charter: Credit Union
Assets: $25.7M
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
Michigan Coastal Federal Credit Union: $30
Michigan Coastal Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Michigan Coastal Federal Credit Union: $30
Michigan Coastal Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Michigan Coastal Federal Credit Union: $0.50 to $1
Michigan Coastal Federal Credit Union: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Michigan Coastal Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low Balance Fee (Monthly)$5
per month
Account Reconciliation$25
Account Research Fee$25
Return Mail/Bad Address$5

Overdraft & NSF

Courtesy Pay Fee$30
per item
NSF Returns$30
per item

ATM & Card

ATM Inquiries$1
ATM Transfers$1
ATM Withdrawals$1
Incomplete ATM Transactions$0.50
per item
Card RUSH Delivery$75
per item · ATM/Debit/Visa

Check Services

Cashier Checks$3
per item
Money Orders$3
per item
ACH Stop Payment$25
Check Stop Payment$25
Stop Payments on Corporate Checks$30
per item
Stop Payments on Money Orders$30
per item
Starter Checks$4
Not compared: Charged per page; comparison unavailable
per page · Starter Checks | $4.00 | Per Page (4 checks/page) W/CU Approval
Non-Member Check Cashing$10
Foreign Item Processing$10
Copy of Checks$5
Copy of Corp Checks & Money Orders$5
per item

Cash & Deposit

Return Check Fee$15
per item

Account Services

Garnishment/Levy/Escheat$50
Verification of Deposit$5

Retirement & IRA

IRA Yearly Administration Fee$20
per year
IRA Transfer to Another FI$25

Gift & Prepaid Cards

Visa Gift Card$3.50

Other Fees

Fax Services$2
Visa Credit Card Statement Copies$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Low Balance Fee (Monthly)	$5	per month	None
Account Reconciliation	$25	Not stated	None
Account Research Fee	$25	Not stated	None
Return Mail/Bad Address	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	per item	None
NSF Returns	$30	per item	None
ATM & Card
ATM Inquiries	$1	Not stated	None
ATM Transfers	$1	Not stated	None
ATM Withdrawals	$1	Not stated	None
Incomplete ATM Transactions	$0.50	per item	None
Card RUSH Delivery	$75	per item	ATM/Debit/Visa
Check Services
Cashier Checks	$3	per item	None
Money Orders	$3	per item	None
ACH Stop Payment	$25	Not stated	None
Check Stop Payment	$25	Not stated	None
Stop Payments on Corporate Checks	$30	per item	None
Stop Payments on Money Orders	$30	per item	None
Starter Checks	$4Not compared: Charged per page; comparison unavailable	per page	Starter Checks \| $4.00 \| Per Page (4 checks/page) W/CU Approval
Non-Member Check Cashing	$10	Not stated	None
Foreign Item Processing	$10	Not stated	None
Copy of Checks	$5	Not stated	None
Copy of Corp Checks & Money Orders	$5	per item	None
Cash & Deposit
Return Check Fee	$15	per item	None
Account Services
Garnishment/Levy/Escheat	$50	Not stated	None
Verification of Deposit	$5	Not stated	None
Retirement & IRA
IRA Yearly Administration Fee	$20	per year	None
IRA Transfer to Another FI	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.50	Not stated	None
Other Fees
Fax Services	$2	Not stated	None
Visa Credit Card Statement Copies	$10	per item	None

Correct a fee source

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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