29 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 11, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 Elga Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per item
per transaction
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Focus Checking . Monthly service charge (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee | $3 | per month | None |
| Early Closure (audience not stated, treated as personal) | $5 | Not stated | None |
| Early Closure | $5 | Not stated | None |
| Account Inactivity (audience not stated, treated as personal) | $10 | per month | None |
| Account is inactive if there have been no deposits or withdrawals (audience not stated, treated as personal) | $15 | Not stated | None |
| Account Balancing Assistance | $10 | Not stated | None |
| Foreign Wire Research | $15 | Not stated | None |
| Money Market Excessive Transaction | $5 | per item | None |
| Money Market Excessive Transaction | $10 | per transaction | None |
Overdraft & NSF | |||
| Courtesy Pay ($5.01 or more withdrawn from negative balance) | $15 | Not stated | None |
| Courtesy Pay ($5.01 or more withdrawn from negative balance) | $15 | Not stated | None |
| 90 days for terms of 1 year or less: Item Returned Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | $15 | per item | None |
| Non-Sufficient Funds (NSF) | $15 | per item | None |
| Overdraft Transfer (audience not stated, treated as personal) | $5 | Not stated | None |
ATM & Card | |||
| ATM Transaction (audience not stated, treated as personal) | $1 | Not stated | None |
| Card Replacement (audience not stated, treated as personal) | $5 | Not stated | None |
| Instant Issue Card Replacement (audience not stated, treated as personal) | $10 | Not stated | None |
| Card Rush (audience not stated, treated as personal) | $30 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25 | Not stated | None |
| Foreign Wire Transfer | $50 | Not stated | None |
Check Services | |||
| Cashier’s Check (audience not stated, treated as personal) | $3 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $25 | Not stated | None |
| Check Cashing (audience not stated, treated as personal) | $6 | Not stated | None |
| Collection Item Processing (All Other Currency) | $95 | Not stated | None |
| Foreign Item Processing (for US Funds or CDN Items) (audience not stated, treated as personal) | $20 | Not stated | None |
| Cashier’s Check or Money Order Copy (audience not stated, treated as personal) | $5 | Not stated | None |
| Check Copy (audience not stated, treated as personal) | $5 | Not stated | None |
Digital & Electronic | |||
| ACH File Transfer | $3 | per item | None |
| ACH Origination (audience not stated, treated as personal) | $10 | Not stated | None |
| ACH Origination Returned Transaction (audience not stated, treated as personal) | $25 | per item | None |
| Mobile Deposit (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Processing for Members | 3% | Not stated | None |
| Coin Processing for Members | 3% | Not stated | None |
| Coin Processing for Non-Members | 10% | Not stated | None |
| Coin Processing for Non-Members | 10% | Not stated | None |
| Coin Processing for Non-Members 10%: Non-Member Transaction | $10 | Not stated | None |
| RDC Deposit Item Returned | $25 | per item | None |
| Returned Deposited Item | $25 | Not stated | None |
Account Services | |||
| COUNTER SERVICE CHARGES: Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $72 | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $72 | per year | None |
| Safe Deposit Box 3 x 10 | $36 | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $36 | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $24 | per year | None |
| Safe Deposit Box 3 x 5 | $24 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $48 | per year | None |
| Safe Deposit Box 5 x 10 | $48 | per year | None |
| Safe Deposit Box 5 x 5 | $36 | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $36 | per year | None |
| Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Processing | $75 | Not stated | None |
Lending Fees | |||
| Late Payment (audience not stated, treated as personal) | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card (audience not stated, treated as personal) | $3 | Not stated | None |
| Prepaid Reloadable Card (audience not stated, treated as personal) | $5 | Not stated | None |
Other Fees | |||
| Faxing | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopy Service | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $3 | 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
Oct 11, 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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