vs. U.S. typical range:LowerTypicalHigher
$2 below the national medianAt the Michigan median
$7 below the national median$5 below the Michigan median
per year · Source
$7 below the national median$5 below the Michigan median
$3 above the national median$5 above the Michigan median
per month · Waived when $10,000.00 minimum average daily balance is maintained for Savings, Checking, Interest Checking Plus, Work Perks, IMMA, or share certificates combined · Institution’s schedule
$4 below the national median$2 below the Michigan median
per month · Monthly fee if aggregate minimum average daily balance falls below $200.00 across Savings, Checking, Interest Checking Plus, IMMA, Work Perks, Cash Back Checking, Simplicity Checking, or share certificates combined, unless direct deposit is maintained · Institution’s schedule
$2 below the national medianAt the Michigan median
per month · Monthly fee if direct deposit is not maintained to this Account each month · Institution’s schedule
$1 above the national median$1 above the Michigan median
per month · Institution’s schedule
$12.50 below the national median$13.75 below the Michigan median
per month · Institution’s schedule
$12.50 below the national median$13.75 below the Michigan median
per item · Institution’s schedule
$7.50 above the national median$6.25 above the Michigan median
varies · Per hour · Institution’s schedule
$1 below the national median$0.50 below the Michigan median
per item · Institution’s schedule
$2 above the national median$3 above the Michigan median
per item · Source
$2 above the national median$3 above the Michigan median
per item · Per item, per presentment; charged each time an item is presented for payment even if the same item is presented multiple times · Institution’s schedule
$2 above the national median$3 above the Michigan median
per item · Source
At the national median$1.50 above the Michigan median
per item · Source
At the national median$1.50 above the Michigan median
per item · Institution’s schedule
$0.50 above the national median$0.15 above the Michigan median
per transaction · Source
$0.50 above the national median$0.15 above the Michigan median
per item · Out-of-Network ATM · Institution’s schedule
$0.50 above the national median$0.15 above the Michigan median
per item · Out-of-Network ATM · Institution’s schedule
$0.50 above the national median$0.15 above the Michigan median
per item · Source
$5 below the national median$2.50 below the Michigan median
per item · Per card; additional charge applicable for express mail · Institution’s schedule
$5 below the national median$2.50 below the Michigan median
per item · Source
At the national medianAt the Michigan median
per item · Institution’s schedule
At the national medianAt the Michigan median
per item · Source
$10 below the national median$5 below the Michigan median
per item · Institution’s schedule
$4 below the national median$2 below the Michigan median
per item · Source
$1 below the national median$1 below the Michigan median
per item · Institution’s schedule
$1 below the national median$1 below the Michigan median
per item · Source
$4.50 above the national median$5 above the Michigan median
per month · Source
$4.50 above the national median$5 above the Michigan median
$0.50 above the national medianAt the Michigan median
per item · Institution’s schedule
$2 above the national median$1.50 above the Michigan median
per item · Institution’s schedule
$15 above the national median$11 above the Michigan median
per month · Source
At the national median$4 below the Michigan median
per year · Source
$45 above the national median$41 above the Michigan median
$65 above the national median$61 above the Michigan median
per year · Institution’s schedule
$30 below the national median$34 below the Michigan median
per year · Institution’s schedule
At the national median$4 below the Michigan median
per year · Institution’s schedule
$15 below the national median$19 below the Michigan median
per year · Institution’s schedule
$15 above the national median$11 above the Michigan median
per year · Institution’s schedule
$5 below the national median$9 below the Michigan median
per year · Institution’s schedule
$45 above the national median$41 above the Michigan median
per year · Institution’s schedule
$25 above the national median$25 above the Michigan median
per item · Institution’s schedule
$25 above the national median$25 above the Michigan median
per item · Source
At the national medianAt the Michigan median
per item · Source
At the national medianAt the Michigan median
per item · Source
$25 above the national median$25 above the Michigan median
per item · Institution’s schedule
$2 above the national median$2 above the Michigan median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Cash Back Checking Fall Below Fee | $5Within the typical range ($5–$10 nationally) | $2 below the national medianAt the Michigan median | — | — | Source |
| Checking Fall Below Fee | $0Below the typical range ($5–$10 nationally) | $7 below the national median$5 below the Michigan median | per year | — | Source |
| Insured Money Market Fall Below Fee | $0Below the typical range ($5–$10 nationally) | $7 below the national median$5 below the Michigan median | — | — | Source |
| Interest Checking Plus Fall Below Fee | $10Within the typical range ($5–$10 nationally) | $3 above the national median$5 above the Michigan median | per month | Waived when $10,000.00 minimum average daily balance is maintained for Savings, Checking, Interest Checking Plus, Work Perks, IMMA, or share certificates combined | Institution’s schedule |
| Savings Fall Below Fee | $3Below the typical range ($5–$10 nationally) | $4 below the national median$2 below the Michigan median | per month | Monthly fee if aggregate minimum average daily balance falls below $200.00 across Savings, Checking, Interest Checking Plus, IMMA, Work Perks, Cash Back Checking, Simplicity Checking, or share certificates combined, unless direct deposit is maintained | Institution’s schedule |
| Work Perks Checking Fall Below Fee | $5Within the typical range ($5–$10 nationally) | $2 below the national medianAt the Michigan median | per month | Monthly fee if direct deposit is not maintained to this Account each month | Institution’s schedule |
| Inactive Account Fee | $6Within the typical range ($5–$10 nationally) | $1 above the national median$1 above the Michigan median | per month | — | Institution’s schedule |
| Bad Address Fee | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$13.75 below the Michigan median | per month | — | Institution’s schedule |
| Manual Processing Fee | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$13.75 below the Michigan median | per item | — | Institution’s schedule |
| Research Fee | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$6.25 above the Michigan median | varies | Per hour | Institution’s schedule |
| Paper Statement Processing Fee | $2Within the typical range ($2–$4.76 nationally) | $1 below the national median$0.50 below the Michigan median | per item | — | Institution’s schedule |
Overdraft & NSFVerified | |||||
| Overdraft Service Fee | $32Within the typical range ($25–$33 nationally) | $2 above the national median$3 above the Michigan median | per item | — | Source |
| Non-Sufficient Funds Fee | $32 | ||||
ATM & CardVerified | |||||
| ATM Balance Inquiry | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.15 above the Michigan median | per transaction | — | Source |
| Other ATM - ATM Balance Inquiry | $2 | ||||
Wire TransfersVerified | |||||
| Wire Transfer Fee - Domestic Outgoing | $25Within the typical range ($20–$25 nationally) | At the national medianAt the Michigan median | per item | — | Institution’s schedule |
| Wire Transfer Fees Domestic Outgoing | $25 | ||||
Check ServicesVerified | |||||
| Cashier’s Check | $1Below the typical range ($3–$6 nationally) | $4 below the national median$2 below the Michigan median | per item | — | Source |
| Money Orders | $1 | ||||
Account ServicesVerified | |||||
| 5x10 box .. . . . | $60Within the typical range ($30–$70 nationally) | $15 above the national median$11 above the Michigan median | per month | — | Source |
| Safe Deposit Box 3x10 | $45 | ||||
Retirement & IRAVerified | |||||
| IRA Transfer Fee | $50Above the typical range ($25–$35 nationally) | $25 above the national median$25 above the Michigan median | per item | — | Institution’s schedule |
Other FeesVerified | |||||
| Statement Copies | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Michigan median | per item | — | Source |
Overdraft
$32.00
Of 78 others that publish it, 68 lower, 1 the same and 9 higher.
Fee change alerts
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Headline fees vs. national median
Overdraft
$32
Headline fees published
11 of 15
Published fees
48
Under review
0
Assets
$8.0B
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$8.0B
Total deposits
$7.2B
Service charge income (year to date)
$8.0M
Fee income ratio
4.1%
Return on assets
1.52%
Financial profile · Pro
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| $2 above the national median$3 above the Michigan median |
| per item |
| Per item, per presentment; charged each time an item is presented for payment even if the same item is presented multiple times |
| Institution’s schedule |
| Non-Sufficient Funds Fee. . | $32Within the typical range ($25–$32 nationally) | $2 above the national median$3 above the Michigan median | per item | — | Source |
| ) Overdraft Transfer Fee . . | $5Within the typical range ($2.50–$5 nationally) | At the national median$1.50 above the Michigan median | per item | — | Source |
| Overdraft Transfer Fee | $5Within the typical range ($2.50–$5 nationally) | At the national median$1.50 above the Michigan median | per item | — | Institution’s schedule |
| $0.50 above the national median$0.15 above the Michigan median |
| per item |
| Out-of-Network ATM |
| Institution’s schedule |
| Other ATM - ATM Monetary Transaction | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.15 above the Michigan median | per item | Out-of-Network ATM | Institution’s schedule |
| Other ATM (Out-of-Network) Fees ATM Monetary Transaction | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.15 above the Michigan median | per item | — | Source |
| ATM/Debit Card Replacement Fee | $5Within the typical range ($5–$10 nationally) | $5 below the national median$2.50 below the Michigan median | per item | Per card; additional charge applicable for express mail | Institution’s schedule |
| ATM/Debit Card Replacement Fee . | $5Within the typical range ($5–$10 nationally) | $5 below the national median$2.50 below the Michigan median | per item | — | Source |
| At the national medianAt the Michigan median |
| per item |
| — |
| Source |
| Wire Transfer Fee - Domestic Incoming | $0Below the typical range ($5–$15 nationally) | $10 below the national median$5 below the Michigan median | per item | — | Institution’s schedule |
| $1 below the national median$1 below the Michigan median |
| per item |
| — |
| Institution’s schedule |
| Money Orders .. | $1Below the typical range ($1.50–$3 nationally) | $1 below the national median$1 below the Michigan median | per item | — | Source |
| monthly Stop Payment Fees Personal Checks, Electronic Fund Transfer | $32Above the typical range ($20–$30 nationally) | $4.50 above the national median$5 above the Michigan median | per month | — | Source |
| Stop Payment Fees Personal Checks, Electronic Fund Transfer . | $32Above the typical range ($20–$30 nationally) | $4.50 above the national median$5 above the Michigan median | — | — | Source |
| Check Copies - DFCU Financial Checks | $3.50Within the typical range ($2–$5 nationally) | $0.50 above the national medianAt the Michigan median | per item | — | Institution’s schedule |
| Check Copies - Non-DFCU Financial Checks | $5Within the typical range ($2–$5 nationally) | $2 above the national median$1.50 above the Michigan median | per item | — | Institution’s schedule |
| At the national median$4 below the Michigan median |
| per year |
| — |
| Source |
| Safe Deposit Box 7x10 | $90Above the typical range ($30–$70 nationally) | $45 above the national median$41 above the Michigan median | — | — | Source |
| Safe Deposit Box Fee - 10x10 | $110Above the typical range ($30–$70 nationally) | $65 above the national median$61 above the Michigan median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 2x5 | $15Below the typical range ($30–$70 nationally) | $30 below the national median$34 below the Michigan median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 3x10 | $45Within the typical range ($30–$70 nationally) | At the national median$4 below the Michigan median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 3x5 | $30Within the typical range ($30–$70 nationally) | $15 below the national median$19 below the Michigan median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 5x10 | $60Within the typical range ($30–$70 nationally) | $15 above the national median$11 above the Michigan median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 5x5 | $40Within the typical range ($30–$70 nationally) | $5 below the national median$9 below the Michigan median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 7x10 | $90Above the typical range ($30–$70 nationally) | $45 above the national median$41 above the Michigan median | per year | — | Institution’s schedule |
| Garnishment/Levy Fee | $75Within the typical range ($30–$90 nationally) | $25 above the national median$25 above the Michigan median | per item | — | Institution’s schedule |
| Personal Checks, ACH Garnishment/Levy Fee . | $75Within the typical range ($30–$90 nationally) | $25 above the national median$25 above the Michigan median | per item | — | Source |
| Verification of Deposit Fee | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Michigan median | per item | — | Source |
| Verification of Deposit Fee . . | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Michigan median | per item | — | Source |