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, $300M to $1B

United Financial Federal Credit Union

Saginaw, MichiganCredit UnionChicago Fed districtFees collected Oct 5, 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

Account Research$40Above the typical range ($20–$25 nationally)

Inactive Account {after 90 days}$5

At the national median

per month · Source

Paper Statement Fee (per month)$3

At the national median

per month · Source

per month | Checking Monthly Service Charge$10

$4.50 above the national median

per month · Source

Overdraft & NSFVerified

Item Returned for Non-Sufficient Funds (NSF)$30Within the typical range ($25–$31.50 nationally)
At the national median
Source
Overdraft (each overdraft paid)$30Within the typical range ($25–$32 nationally)
At the national median
Source
Share-to-Share Overdraft Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

Plastic Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Transfers - Outgoing$40Above the typical range ($20–$25 nationally)
$15 above the national median
Source
Wire Transfers (incoming)$5Within the typical range ($5–$15 nationally)
$5 below the national median
Source
Wire Transfers (outgoing International)$75Above the typical range ($40–$50 nationally)
$25 above the national median
Source

Check ServicesVerified

Cashier Check (payable to third party)$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Cashier's Check (any amount)$5Within the typical range ($3–$5.50 nationally)
At the national median
per month · Source
Copy of Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
In-House Check Printing$5Within the typical range ($1–$18.27 nationally)
At the national median
Source
Money Order$5Above the typical range ($1.75–$3 nationally)
$3 above the national median
Source
Non-Member Check Cashing$10Within the typical range ($5–$10 nationally)
$5 above the national median
per item · Source
Stop Payments$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Cash & DepositVerified

Cash Advance Fee …………………………….………….…$5Within the typical range ($3–$10 nationally)
At the national median
Source
Cash Advance Fee {Non-Member}……….…………….…$50Above the typical range ($3–$10 nationally)
$45 above the national median
Source

Account ServicesVerified

3X10 (All Locations)$36Within the typical range ($25–$80 nationally)
$9 below the national median
Source
3x5 (Auburn & Pinconning Office Only)$24Below the typical range ($25–$80 nationally)
$21 below the national median
Source
5x5 (Weiss Only)$30Within the typical range ($25–$80 nationally)
$15 below the national median
Source
Account Verification$10Within the typical range ($8.98–$15 nationally)
At the national median
Source
cient funds will result in a separate charge | 10 x 10 (Pinconning Only)…….……………………………$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
Garnishment$50Within the typical range ($30–$75 nationally)
At the national median
Source
insufficient funds. The payee (or the payee’s institution) may re-pre- | 5x10 (Weiss & Pinconning Only)$48Within the typical range ($25–$80 nationally)
$3 above the national median
Source
IRS Levy/Garnishments$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source
Legal Process$25Below the typical range ($46.25–$150 nationally)
$75 below the national median
Source
Notary…………………………….$10Above the typical range ($0–$5 nationally)
$7.50 above the national median
Source
Notary/Medallion {Members}$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
Replacement Key$20Below the typical range ($25–$80 nationally)
$25 below the national median
Source
Safe Deposit Box Annual Rental: Wire Transfers - Foreign$75Within the typical range ($25–$80 nationally)
$30 above the national median
Source
Subpoena$15Below the typical range ($46.25–$150 nationally)
$85 below the national median
Source

Other FeesVerified

Statement Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source
Statement Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$40Above the typical range ($20–$25 nationally)	$15 above the national median	—	—	Source
Inactive Account {after 90 days}	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Paper Statement Fee (per month)	$3Within the typical range ($2–$4.50 nationally)	At the national median	per month	—	Source
per month \| Checking Monthly Service Charge	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Overdraft & NSFVerified
Item Returned for Non-Sufficient Funds (NSF)	$30Within the typical range ($25–$31.50 nationally)	At the national median	—	—	Source
Overdraft (each overdraft paid)	$30
ATM & CardVerified
Plastic Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Wire Transfers - Outgoing	$40Above the typical range ($20–$25 nationally)	$15 above the national median	—	—	Source
Wire Transfers (incoming)	$5
Check ServicesVerified
Cashier Check (payable to third party)	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Cashier's Check (any amount)	$5
Cash & DepositVerified
Cash Advance Fee …………………………….………….…	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	Source
Cash Advance Fee {Non-Member}……….…………….…	$50
Account ServicesVerified
3X10 (All Locations)	$36Within the typical range ($25–$80 nationally)	$9 below the national median	—	—	Source
3x5 (Auburn & Pinconning Office Only)	$24
Other FeesVerified
Statement Copy	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source
Statement Copy	$2

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 36

Headline fees published

11 of 15

Published fees

Under review

Assets

$360.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$360.1M

Total deposits

$325.7M

Service charge income (year to date)

$1.1M

Fee income ratio

10.4%

Return on assets

0.92%

Financial profile · Pro

Performance from regulator filings

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