vs. U.S. typical range:LowerTypicalHigher
$12.50 below the national median$5 below the Michigan median
Knox extract.rules v16 categorized a line held for review from Rosetta artifact #12342. canonical_hint=early_closure; text_hash=be9759278d3b0873d4c91ca3832b4bfd554465eb1fcc2b27e07039f266254335; excerpt="Account Closure Fee (First 12 months on new account)......................................................$5.00" · Source
$20 above the national median$20 above the Michigan median
$32.50 above the national median$31.25 above the Michigan median
per item · Source
$12.50 below the national median$13.75 below the Michigan median
Knox extract.rules v32 categorized a line held for review from Rosetta artifact #12342. canonical_hint=account_research; text_hash=be9759278d3b0873d4c91ca3832b4bfd554465eb1fcc2b27e07039f266254335; excerpt="Returned Mail Fee (Bad Address) ........................................................................................$5.00" · Source
$3 below the national median$2 below the Michigan median
$3 below the national median$2 below the Michigan median
At the national median$1.50 above the Michigan median
$0.75 below the national median$1.10 below the Michigan median
per transaction · Source
At the national median$2.50 above the Michigan median
per year · Source
$2 below the national medianAt the Michigan median
per month · Source
At the national medianAt the Michigan median
per month · Source
$2.50 above the national median$3 above the Michigan median
per item · Source
At the national medianAt the Michigan median
per item · Source
At the national medianAt the Michigan median
$7 above the national median$6.50 above the Michigan median
per item · Source
$2.50 above the national median$2 above the Michigan median
per month · Source
$12 above the national median$12 above the Michigan median
At the national medianAt the Michigan median
At the national medianAt the Michigan median
$1.50 above the national median$1 above the Michigan median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Account Closure Fee (First 12 months on new account) | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$5 below the Michigan median | — | Knox extract.rules v16 categorized a line held for review from Rosetta artifact #12342. canonical_hint=early_closure; text_hash=be9759278d3b0873d4c91ca3832b4bfd554465eb1fcc2b27e07039f266254335; excerpt="Account Closure Fee (First 12 months on new account)......................................................$5.00" | Source |
| Dormant Account Fee (One year or more) | $25Above the typical range ($5–$10 nationally) | $20 above the national median$20 above the Michigan median | — | — | Source |
| Filing a Debit Card Dispute (Per Item) | $50Above the typical range ($12–$25 nationally) | $32.50 above the national median$31.25 above the Michigan median | per item | — | Source |
| Returned Mail Fee (Bad Address) | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$13.75 below the Michigan median | — | Knox extract.rules v32 categorized a line held for review from Rosetta artifact #12342. canonical_hint=account_research; text_hash=be9759278d3b0873d4c91ca3832b4bfd554465eb1fcc2b27e07039f266254335; excerpt="Returned Mail Fee (Bad Address) ........................................................................................$5.00" | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Fee | $27Within the typical range ($25–$33 nationally) | $3 below the national median$2 below the Michigan median | — | — | Source |
| ATM Nonsufficient Funds | $27 | ||||
ATM & CardVerified | |||||
| ATM Excess Withdrawal Fee (Per Transaction) | $0.75Below the typical range ($1–$2.25 nationally) | $0.75 below the national median$1.10 below the Michigan median | per transaction | — | Source |
| Visa/ATM/Debit Card Replacement (One fee per year) | $10 | ||||
Check ServicesVerified | |||||
| Cashier’s Check (In excess of 3 per calendar month) ... Including GAC Members | $3Within the typical range ($3–$6 nationally) | $2 below the national medianAt the Michigan median | per month | — | Source |
| Money Orders (GAC Members limited to 10 free per calendar month) | $2 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay Fee (Non-Usage of minimum 1 service per month) | $5Within the typical range ($0–$9.95 nationally) | $2.50 above the national median$2 above the Michigan median | per month | — | Source |
Cash & DepositVerified | |||||
| Deposited Checks Returned Unpaid | $27Above the typical range ($8–$25 nationally) | $12 above the national median$12 above the Michigan median | — | — | Source |
Account ServicesVerified | |||||
| Processing Of A Garnishment | $50Within the typical range ($30–$90 nationally) | At the national medianAt the Michigan median | — | — | Source |
| Account Asset Verification of Deposit | $10 | ||||
Gift & Prepaid CardsVerified | |||||
| Visa Gift Card Purchase (Members Only) | $5Above the typical range ($3–$4.95 nationally) | $1.50 above the national median$1 above the Michigan median | — | — | Source |
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$27
Headline fees published
8 of 15
Published fees
20
Under review
0
Assets
$81.5M
Work at Lake Huron Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $3 below the national median$2 below the Michigan median |
| — |
| — |
| Source |
| Overdraft Transfer Fee from a Savings (Checking, Debit Card, EFTs) | $5Within the typical range ($2.50–$5 nationally) | At the national median$1.50 above the Michigan median | — | — | Source |
| At the national median$2.50 above the Michigan median |
| per year |
| — |
| Source |
| At the national medianAt the Michigan median |
| per month |
| — |
| Source |
| Stop Payment on Share Draft & ACH (Per Item) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$3 above the Michigan median | per item | — | Source |
| Check Cashing Fee (Per Check) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Michigan median | per item | — | Source |
| Non-Member “On_Us” Check Cashing Fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Michigan median | — | — | 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$6.50 above the Michigan median | per item | — | Source |
| At the national medianAt the Michigan median |
| — |
| — |
| Source |