Gratiot Community Federal Credit Union

Headquarters: Alma, Michigan
Charter: Credit Union
Assets: $59.7M
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Gratiot Community Federal Credit Union: $28
Gratiot Community Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Gratiot Community Federal Credit Union: $28
Gratiot Community Federal Credit Union: $28
U.S. median: no median
Wire Transfer (Domestic Out)
Gratiot Community Federal Credit Union: $30
Gratiot Community Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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.

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Published fee schedule

Amounts from Gratiot Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Close accounts within 90 days of opening$10
Dormant Account Fee$10
per month

Overdraft & NSF

Courtesy pay fee (per item)$28
per item
NSF fee (Insufficient Funds) both shares & share drafts$28

ATM & Card

ATM/VISA/DEBIT replacement of additional cards (per card)$10
per item

Wire Transfers

Wire transfers (outgoing)$30
Wire transfers (incoming)$5

Check Services

Cashiers Check: Made payable to yourself or another party$2
Money order fee: (per money order for members)$1.50
per item
Money order fee: (per money order for non-member)$2
per item
Stop payment on a check or an ACH transaction$20
Copy of Drafts (in house print)$1
Copy of Drafts (processor ordered)$3

Cash & Deposit

Returned Deposit Item Charge$15

Account Services

Notary service: (per document for member)No charge
Not compared: Charged per document; comparison unavailable
per document
Notary service: (per document for non-member)$1
Not compared: Charged per document; comparison unavailable
per document
Garnishement Processing Fee (effective September 1, 2018)$25

Gift & Prepaid Cards

Gift card fee$3
Travel money reload fee: (reload at credit union)$1

Other Fees

Copy of Statements (per month)$2
Not compared: Monthly charge, not per item
per month
Fax service (per page)$1
Not compared: Charged per page; comparison unavailable
per page
Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
VISA microfiche copy or statement reprints$5
Skip-A-Payment$15

Fee	Amount	Basis	Note
Account Maintenance
Close accounts within 90 days of opening	$10	Not stated	None
Dormant Account Fee	$10	per month	None
Overdraft & NSF
Courtesy pay fee (per item)	$28	per item	None
NSF fee (Insufficient Funds) both shares & share drafts	$28	Not stated	None
ATM & Card
ATM/VISA/DEBIT replacement of additional cards (per card)	$10	per item	None
Wire Transfers
Wire transfers (outgoing)	$30	Not stated	None
Wire transfers (incoming)	$5	Not stated	None
Check Services
Cashiers Check: Made payable to yourself or another party	$2	Not stated	None
Money order fee: (per money order for members)	$1.50	per item	None
Money order fee: (per money order for non-member)	$2	per item	None
Stop payment on a check or an ACH transaction	$20	Not stated	None
Copy of Drafts (in house print)	$1	Not stated	None
Copy of Drafts (processor ordered)	$3	Not stated	None
Cash & Deposit
Returned Deposit Item Charge	$15	Not stated	None
Account Services
Notary service: (per document for member)	No chargeNot compared: Charged per document; comparison unavailable	per document	None
Notary service: (per document for non-member)	$1Not compared: Charged per document; comparison unavailable	per document	None
Garnishement Processing Fee (effective September 1, 2018)	$25	Not stated	None
Gift & Prepaid Cards
Gift card fee	$3	Not stated	None
Travel money reload fee: (reload at credit union)	$1	Not stated	None
Other Fees
Copy of Statements (per month)	$2Not compared: Monthly charge, not per item	per month	None
Fax service (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
VISA microfiche copy or statement reprints	$5	Not stated	None
Skip-A-Payment	$15	Not stated	None

Correct a fee source

Nov 1, 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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