North Central Area Federal Credit Union

Headquarters: Houghton Lake, Michigan
Charter: Credit Union
Assets: $271.7M
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
North Central Area Federal Credit Union: $30
North Central Area Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
North Central Area Federal Credit Union: $30
North Central Area Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
North Central Area Federal Credit Union: $30
North Central Area 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 12, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from North Central Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Money Market Excessive Withdrawal$10
per item
Returned Mail$10
per month

Overdraft & NSF

Courtesy Pay$30
per item
Return NSF$30
per item
Automatic Overdraft Transfer$5
per item

ATM & Card

ATM/CC/Debit Replacement$15
per item
ATM/CC/Debit Rush Order$35
per item · Per card
Card Services:Credit/Debit ReplacementCredit/Debit Rush order$35
Credit/Debit Rush order (audience not stated, treated as personal)$35
per item

Wire Transfers

Wire Transfer Out (Domestic)$30
per item
Wire Transfer Out (Foreign)$50
per item

Check Services

Corporate Checks$3
Money Order$3
Stop Payment$30
Starter Checks$2
per item
Foreign Check Processing$6
per item
Copy of Draft$5

Cash & Deposit

Returned deposited items$30
per item

Account Services

Garnishment/Levy/Legal$40
per item
Subordination Agreement$250

Other Fees

Early Closure Fee (not Home Equities) (audience not stated, treated as personal)$100
one time

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Money Market Excessive Withdrawal	$10	per item	None
Returned Mail	$10	per month	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
Return NSF	$30	per item	None
Automatic Overdraft Transfer	$5	per item	None
ATM & Card
ATM/CC/Debit Replacement	$15	per item	None
ATM/CC/Debit Rush Order	$35	per item	Per card
Card Services:Credit/Debit ReplacementCredit/Debit Rush order	$35	Not stated	None
Credit/Debit Rush order (audience not stated, treated as personal)	$35	per item	None
Wire Transfers
Wire Transfer Out (Domestic)	$30	per item	None
Wire Transfer Out (Foreign)	$50	per item	None
Check Services
Corporate Checks	$3	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$30	Not stated	None
Starter Checks	$2	per item	None
Foreign Check Processing	$6	per item	None
Copy of Draft	$5	Not stated	None
Cash & Deposit
Returned deposited items	$30	per item	None
Account Services
Garnishment/Levy/Legal	$40	per item	None
Subordination Agreement	$250	Not stated	None
Other Fees
Early Closure Fee (not Home Equities) (audience not stated, treated as personal)	$100	one time	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 12, 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

Get an email when North Central Area Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.