Compared with Michigan
8 of 23
compared fees are above the median.
8 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
26th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 23 compared; 8 below, 7 about the same
See the feesFee schedule read Apr 2, 2026
Call-report figures are for Michigan United Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Michigan United Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (26th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $285K in Q2 2026, 4.8% above the same quarter a year earlier ($272K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 23 compared published fees sit above the Michigan median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Compared at $25, the middle of its prices
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.
Fee income was about level from Q3 2025 to Q2 2026, at $285K. Its share of revenue, 5.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$285K
Michigan United Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Michigan United Federal Credit Union · $349M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Michigan United Federal Credit Union(this institution) | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Extra Federal Credit Union | Warren, MI | $345M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Of Ny Federal Credit Union | Rochester, NY | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Alliance Federal Credit Union | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guadalupe Federal Credit Union | Santa Fe, NM | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Industrial Federal Credit Union | Lafayette, IN | $356M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Massmutual Federal Credit Union | Springfield, MA | $344M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Plus Federal Credit Union | Medford, MA | $349M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mobility Credit Union | Irving, TX | $358M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oregonians Federal Credit Union | Milwaukie, OR | $339M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peninsula Federal Credit Union | Escanaba, MI | $356M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinal County Federal Credit Union | Casa Grande, AZ | $339M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Strata Federal Credit Union | Bakersfield, CA | $345M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transportation Federal Credit Union | Alexandria, VA | $346M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unitedone Federal Credit Union | Manitowoc, WI | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Us Community Federal Credit Union | Nashville, TN | $346M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Virginia Central Federal Credit Union | Parkersburg, WV | $341M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.95 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Michigan United Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Michigan United Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $285K | +$30K | +11.8% |
| Q1 2026 | $255K | −$26K | −9.3% |
| Q4 2025 | $281K | −$2K | −0.7% |
| Q3 2025 | $283K | +$11K | +4.0% |
| Q2 2025 | $272K | +$13K | +5.0% |
| Q1 2025 | $259K | −$30K | −10.4% |
| Q4 2024 | $289K | +$10K | +3.6% |
| Q3 2024 | $279K | +$29K | +11.6% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Michigan United Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Michigan United Federal Credit Union by share.
Amounts from Michigan United Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per month
per item
per item
per item
per item
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee (within 6 months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (inactive 1 yr.) (per month) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail/Bad Address (per month) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Discretionary pay Overdraft (per presentment) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| “Cash” Check Returned Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| External ATM/Shared Branch Returned Item | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Draft/ACH - NSF (per presentment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Savings (per presentment) | $5Not compared: Monthly charge, not per item | per month | None |
ATM & Card | |||
| Balance Inquiry (each) (5 free/month) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Replacement Request | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card Replacement | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER FEES: Domestic Outgoing (each) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (each) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (each) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Draft/ACH (per request) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Varies Starter Checks (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (< in acct,age 18+ & no add’l services) (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Item Deposit (each, plus bank fees) | $5Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Check (per check) | $3Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Deposited Item Returned Unpaid (per presentment) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary for non-member | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill Fee (if applicable) | $200Not compared: Box drilling or key fee | per item | None |
| Key Replacement (if applicable) | $50Not compared: Box drilling or key fee | Not stated | None |
| Levies, Writs, & Garnishment (each) | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Loan Subordination | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification for Mortgage Companies | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Consumer Loan Late Charge (per month) | $25Not compared: Monthly charge, not per item | per month | None |
| Late Charge (per month) | $25Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Gift Card (each) | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Reload Fee (ICUL also charges a fee) | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy/Activity Printout (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Modification | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Payment | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 2, 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.
Where Michigan United Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Waterford, MI | 2 |
| Auburn Hills, MI | 1 |
| Birmingham, MI | 1 |
| Holly, MI | 1 |
| Lake Orion, MI | 1 |
| Saint Clair Shores, MI | 1 |
| Shelby Township, MI | 1 |
| Warren, MI | 1 |
Largest competitors nearby
Local market: Oakland county, MI, around its headquarters.
| 45 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 26.3% |
| Flagstar Bank, National Association | 14.8% |
| JPMorgan Chase Bank, National Association | 14.6% |
| Fifth Third Bank, National Association | 12.5% |
| PNC Bank, National Association | 12.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.