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, under $300M

Lake Huron Federal Credit Union

Saginaw, MichiganCredit UnionChicago Fed districtFees collected Oct 6, 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

Dormant Account Fee (One year or more)$25Above the typical range ($5–$10 nationally)

Overdraft & NSFVerified

ATM Nonsufficient Funds$27Within the typical range ($25–$31.50 nationally)
$3 below the national median
Source
Courtesy Pay Fee$27Within the typical range ($25–$32 nationally)
$3 below the national median
Source
Overdraft Transfer Fee from a Savings (Checking, Debit Card, EFTs)$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

ATM Excess Withdrawal Fee (Per Transaction)$0.75Below the typical range ($1–$2.50 nationally)
$1 below the national median
per transaction · Source
Filing a Debit Card Dispute (Per Item)$50Above the typical range ($10–$25 nationally)
$40 above the national median
per item · Source
Visa/ATM/Debit Card Replacement (One fee per year)$10Within the typical range ($5–$10 nationally)
At the national median
per year · Source

Check ServicesVerified

Cashier’s Check (In excess of 3 per calendar month) ... Including GAC Members$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Check Cashing Fee (Per Check)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Copy of Share Draft (Older than 12 month time frame / Per Check)$10Above the typical range ($2–$5 nationally)
$7 above the national median
per item · Source
Money Orders (GAC Members limited to 10 free per calendar month)$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Non-Member “On_Us” Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Source
Stop Payment on Share Draft & ACH (Per Item)$30Within the typical range ($20–$30 nationally)
$4 above the national median
per item · Source

Account ServicesVerified

Account Asset Verification of Deposit$10Within the typical range ($8.98–$15 nationally)
At the national median
Source
Processing Of A Garnishment$50Within the typical range ($30–$75 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee (One year or more)	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Overdraft & NSFVerified
ATM Nonsufficient Funds	$27Within the typical range ($25–$31.50 nationally)	$3 below the national median	—	—	Source
Courtesy Pay Fee	$27
ATM & CardVerified
ATM Excess Withdrawal Fee (Per Transaction)	$0.75Below the typical range ($1–$2.50 nationally)	$1 below the national median	per transaction	—	Source
Filing a Debit Card Dispute (Per Item)	$50
Check ServicesVerified
Cashier’s Check (In excess of 3 per calendar month) ... Including GAC Members	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	—	Source
Check Cashing Fee (Per Check)	$5
Digital & ElectronicVerified
Bill Pay Fee (Non-Usage of minimum 1 service per month)	$5Within the typical range ($0–$11.13 nationally)	$0.05 above the national median	per month	—	Source
Cash & DepositVerified
Deposited Checks Returned Unpaid	$27Above the typical range ($10–$25 nationally)	$12 above the national median	—	—	Source
Account ServicesVerified
Account Asset Verification of Deposit	$10Within the typical range ($8.98–$15 nationally)	At the national median	—	—	Source
Processing Of A Garnishment	$50
Gift & Prepaid CardsVerified
Visa Gift Card Purchase (Members Only)	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	—	—	Source

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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

$27

Overdraft fee: $27

10% below the national median overdraft fee

Total fees: 18 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$81.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$81.5M

Total deposits

$66.9M

Service charge income (year to date)

$325K

Fee income ratio

10.5%

Return on assets

0.92%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 37,727 published fee entries from 2,634 institutions

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