Safe Harbor Federal Credit Union

Headquarters: Ludington, Michigan
Charter: Credit Union
Assets: $183.8M
Fed district: Chicago

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Monthly Maintenance
Safe Harbor Federal Credit Union: No fee
Safe Harbor Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Safe Harbor Federal Credit Union: $15
Safe Harbor Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Safe Harbor Federal Credit Union: $25
Safe Harbor Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 Safe Harbor Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenanceNo charge
per month
Account balancing .. minimum$10
Bad address (post office notification or mail returned to the credit union)$5

Overdraft & NSF

ATM/Debit overdraft$15
Overdraft transfer from savingsNo charge
NSF Overdraft Daily Cap$45
per day · maximum per day

ATM & Card

ATM replacement card (lost or stolen) Rush request$30
Debit replacement card (lost or stolen)$30
Replacement card fee$30

Wire Transfers

Domestic Wire Transfer – Outgoing$25
Incoming WireNo charge
Foreign Wire Transfer – Outgoing$40

Check Services

Cashier’s check$3
Money order (any amount)$1
Temp Checks (not starter checks)$1
per item
Microfilm copy of share draft or check Free through Online Banking$2

Digital & Electronic

NSF Check or ACH item returned (per item)$15
per item

Cash & Deposit

Cash advance fee NoneNo charge
Deposited item charge-back (per item)$10
per item

Account Services

Garnishment, Levy, Lien$50

Lending Fees

Late Payment fee NoneNo charge

Other Fees

Statement copy Free through Online Banking$2

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance	No charge	per month	None
Account balancing .. minimum	$10	Not stated	None
Bad address (post office notification or mail returned to the credit union)	$5	Not stated	None
Overdraft & NSF
ATM/Debit overdraft	$15	Not stated	None
Overdraft transfer from savings	No charge	Not stated	None
NSF Overdraft Daily Cap	$45	per day	maximum per day
ATM & Card
ATM replacement card (lost or stolen) Rush request	$30	Not stated	None
Debit replacement card (lost or stolen)	$30	Not stated	None
Replacement card fee	$30	Not stated	None
Wire Transfers
Domestic Wire Transfer – Outgoing	$25	Not stated	None
Incoming Wire	No charge	Not stated	None
Foreign Wire Transfer – Outgoing	$40	Not stated	None
Check Services
Cashier’s check	$3	Not stated	None
Money order (any amount)	$1	Not stated	None
Temp Checks (not starter checks)	$1	per item	None
Microfilm copy of share draft or check Free through Online Banking	$2	Not stated	None
Digital & Electronic
NSF Check or ACH item returned (per item)	$15	per item	None
Cash & Deposit
Cash advance fee None	No charge	Not stated	None
Deposited item charge-back (per item)	$10	per item	None
Account Services
Garnishment, Levy, Lien	$50	Not stated	None
Lending Fees
Late Payment fee None	No charge	Not stated	None
Other Fees
Statement copy Free through Online Banking	$2	Not stated	None

Correct a fee source

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.

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