United Financial Federal Credit Union

Headquarters: Saginaw, Michigan
Charter: Credit Union
Assets: $360.1M
Fed district: Chicago

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $4.50, the middle of its prices
United Financial Federal Credit Union: $2.99 to $10
United Financial Federal Credit Union: $2.99 to $10
U.S. median: no median
Overdraft (OD)
United Financial Federal Credit Union: $30
United Financial Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
United Financial Federal Credit Union: $30
United Financial Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 United Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking Monthly service charge (audience not stated, treated as personal)$3.99
per month
Fresh Start Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Secure Checking Monthly service charge (audience not stated, treated as personal)$2.99
per month
Service charge$10
per month
Inactive Account {after 90 days}$5
per month
Account Research$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (per month) (audience not stated, treated as personal)$3
per month
Bad Address$5
Bad Address on Statement (per statement) (audience not stated, treated as personal)$10

Overdraft & NSF

NSF ACH Debit, Debit Card Overdraft (audience not stated, treated as personal)$30
Overdraft (each overdraft paid) (audience not stated, treated as personal)$30
per item
Item Returned for Non-Sufficient Funds (NSF)$30
NSF Second Party Check (audience not stated, treated as personal)$30
Overdraft Protection Transfer (audience not stated, treated as personal)$5
Share-to-Share Overdraft Transfer$5

ATM & Card

Plastic Card Replacement$10
Debit Card International Transaction1%of the transaction
Debit Card International Transaction (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers - Outgoing$40
Wire Transfers (incoming) (audience not stated, treated as personal)$5
Wire Transfers (outgoing International) (audience not stated, treated as personal)$75

Check Services

Cashier Check (payable to third party)$5
Cashier's Check (any amount) (audience not stated, treated as personal)$5
Money Order (audience not stated, treated as personal)$5
Money Orders (each) (audience not stated, treated as personal)$5
per item
In-House Check Printing$5
Not compared: Charged per page; comparison unavailable
per page
Stop Payments$30
Non-Member Check Cashing$10
per item
Collection Items (audience not stated, treated as personal)$40
Copy of Check (audience not stated, treated as personal)$5
Photocopy of Paid Member Check or CU Issued Check (audience not stated, treated as personal)$5
per item

Cash & Deposit

Cash Advance Fee$5
Cash Advance Fee {Non-Member}$50

Account Services

Notary$10
Notary/Medallion {Members}$5
10 x 10 (Pinconning Only)$60
3X10 (All Locations)$36
3x5 (Auburn & Pinconning Office Only)$24
5x5 (Weiss Only)$30
Replacement Key$20
Not compared: Box drilling or key fee
Safe Deposit Box$48
Garnishment$50
IRS Levy/Garnishments (audience not stated, treated as personal)$75
Legal Process$25
Subpoena$15
per item
Account Verification$10

Other Fees

Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy (audience not stated, treated as personal)$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking Monthly service charge (audience not stated, treated as personal)	$3.99	per month	None
Fresh Start Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Secure Checking Monthly service charge (audience not stated, treated as personal)	$2.99	per month	None
Service charge	$10	per month	None
Inactive Account {after 90 days}	$5	per month	None
Account Research	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (per month) (audience not stated, treated as personal)	$3	per month	None
Bad Address	$5	Not stated	None
Bad Address on Statement (per statement) (audience not stated, treated as personal)	$10	Not stated	None
Overdraft & NSF
NSF ACH Debit, Debit Card Overdraft (audience not stated, treated as personal)	$30	Not stated	None
Overdraft (each overdraft paid) (audience not stated, treated as personal)	$30	per item	None
Item Returned for Non-Sufficient Funds (NSF)	$30	Not stated	None
NSF Second Party Check (audience not stated, treated as personal)	$30	Not stated	None
Overdraft Protection Transfer (audience not stated, treated as personal)	$5	Not stated	None
Share-to-Share Overdraft Transfer	$5	Not stated	None
ATM & Card
Plastic Card Replacement	$10	Not stated	None
Debit Card International Transaction	1%of the transaction	Not stated	None
Debit Card International Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers - Outgoing	$40	Not stated	None
Wire Transfers (incoming) (audience not stated, treated as personal)	$5	Not stated	None
Wire Transfers (outgoing International) (audience not stated, treated as personal)	$75	Not stated	None
Check Services
Cashier Check (payable to third party)	$5	Not stated	None
Cashier's Check (any amount) (audience not stated, treated as personal)	$5	Not stated	None
Money Order (audience not stated, treated as personal)	$5	Not stated	None
Money Orders (each) (audience not stated, treated as personal)	$5	per item	None
In-House Check Printing	$5Not compared: Charged per page; comparison unavailable	per page	None
Stop Payments	$30	Not stated	None
Non-Member Check Cashing	$10	per item	None
Collection Items (audience not stated, treated as personal)	$40	Not stated	None
Copy of Check (audience not stated, treated as personal)	$5	Not stated	None
Photocopy of Paid Member Check or CU Issued Check (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Cash Advance Fee	$5	Not stated	None
Cash Advance Fee {Non-Member}	$50	Not stated	None
Account Services
Notary	$10	Not stated	None
Notary/Medallion {Members}	$5	Not stated	None
10 x 10 (Pinconning Only)	$60	Not stated	None
3X10 (All Locations)	$36	Not stated	None
3x5 (Auburn & Pinconning Office Only)	$24	Not stated	None
5x5 (Weiss Only)	$30	Not stated	None
Replacement Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$48	Not stated	None
Garnishment	$50	Not stated	None
IRS Levy/Garnishments (audience not stated, treated as personal)	$75	Not stated	None
Legal Process	$25	Not stated	None
Subpoena	$15	per item	None
Account Verification	$10	Not stated	None
Other Fees
Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy (audience not stated, treated as personal)	$2Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 9, 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.

Fee change alerts

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