23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Apr 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $25, the middle of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Michigan United Federal Credit Union’s own schedules, with a source for each figure.
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per month
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per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee (within 6 months) | $5 | Not stated | None |
| Dormant Account (inactive 1 yr.) (per month) | $10 | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail/Bad Address (per month) | $10 | per month | None |
Overdraft & NSF | |||
| Discretionary pay Overdraft (per presentment) | $30 | per item | None |
| “Cash” Check Returned Item | $25 | Not stated | None |
| External ATM/Shared Branch Returned Item | $15 | Not stated | None |
| Returned Draft/ACH - NSF (per presentment) | $30 | 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) | $1 | per item | None |
| Card Replacement Request | $10 | Not stated | None |
| Rush Card Replacement | $50 | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER FEES: Domestic Outgoing (each) | $20 | Not stated | None |
Check Services | |||
| Cashier’s Check (each) | $3 | per item | None |
| Money Order (each) | $2 | per item | None |
| Stop Payment Draft/ACH (per request) | $30 | per item | None |
| Varies Starter Checks (audience not stated, treated as personal) | $2 | Not stated | None |
| Check Cashing (< in acct,age 18+ & no add’l services) (audience not stated, treated as personal) | $3 | Not stated | None |
| Foreign Item Deposit (each, plus bank fees) | $5 | 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) | $15 | per item | None |
Account Services | |||
| Notary for non-member | $10 | 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) | $50 | per item | None |
| Loan Subordination | $100 | Not stated | None |
| Account Verification for Mortgage Companies | $25 | Not stated | None |
| Verification of Deposit | $5 | 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) | $4.95 | per item | None |
| Reload Fee (ICUL also charges a fee) | $2.95 | Not stated | None |
Other Fees | |||
| Statement Copy | $2 | Not stated | None |
| Statement Copy/Activity Printout (per page) | $1 | per item | None |
| Loan Modification | $25 | Not stated | None |
| Skip-A-Payment | $20 | 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.
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