Lake Trust Federal Credit Union

Headquarters: Brighton, Michigan
Charter: Credit Union
Assets: $2.9B
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
ADD ACCOUNT
Lake Trust Federal Credit Union: $10
Lake Trust Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
Lake Trust Federal Credit Union: $10 to $32
Lake Trust Federal Credit Union: $10 to $32
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Lake Trust Federal Credit Union: $10 to $32
Lake Trust Federal Credit Union: $10 to $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 Lake Trust Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Low Balance Savings Monthly Fee$3
per month
Escheated Account Fee$100
Inactive Account Monthly Fee (1 year of inactivity)$2
per month
Account Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Processing Fee (per statement)$2

Overdraft & NSF

Courtesy Pay: Transactions$32
Courtesy Pay: Transactions$20
Courtesy Pay: Transactions$10
Non-Sufficient Funds (NSF): Transactions$32
Non-Sufficient Funds (NSF): Transactions$10
Non-Sufficient Funds (NSF): Transactions$20

ATM & Card

Debit Card Reissue Fee$5
Debit Card Rush Fee$30

Wire Transfers

Wire Transfer: Outgoing (Domestic)$25
Wire Transfer: Incoming$5
Wire Transfer: Outgoing (International)$50

Check Services

Official Check (Cashier’s Check)$5
Purchase of Official Check (Cashier’s Check)$4
Money Order$5
Purchase of Money Order$3
Stop Payment$32
Temporary Checks (per four checks)$1
On-Us Check Cashing Fee (Non-Member)$5

Digital & Electronic

Bill Pay Electronic Expedited Payments$5
Bill Pay Overnight Check Payments$25

Cash & Deposit

Deposited Check Returned Unpaid$10

Account Services

Notary ServiceNo charge
Legal Garnishment$100

Other Fees

Loan Payment Extension Fee (Skip-a-Payment)$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Low Balance Savings Monthly Fee	$3	per month	None
Escheated Account Fee	$100	Not stated	None
Inactive Account Monthly Fee (1 year of inactivity)	$2	per month	None
Account Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Processing Fee (per statement)	$2	Not stated	None
Overdraft & NSF
Courtesy Pay: Transactions	$32	Not stated	None
Courtesy Pay: Transactions	$20	Not stated	None
Courtesy Pay: Transactions	$10	Not stated	None
Non-Sufficient Funds (NSF): Transactions	$32	Not stated	None
Non-Sufficient Funds (NSF): Transactions	$10	Not stated	None
Non-Sufficient Funds (NSF): Transactions	$20	Not stated	None
ATM & Card
Debit Card Reissue Fee	$5	Not stated	None
Debit Card Rush Fee	$30	Not stated	None
Wire Transfers
Wire Transfer: Outgoing (Domestic)	$25	Not stated	None
Wire Transfer: Incoming	$5	Not stated	None
Wire Transfer: Outgoing (International)	$50	Not stated	None
Check Services
Official Check (Cashier’s Check)	$5	Not stated	None
Purchase of Official Check (Cashier’s Check)	$4	Not stated	None
Money Order	$5	Not stated	None
Purchase of Money Order	$3	Not stated	None
Stop Payment	$32	Not stated	None
Temporary Checks (per four checks)	$1	Not stated	None
On-Us Check Cashing Fee (Non-Member)	$5	Not stated	None
Digital & Electronic
Bill Pay Electronic Expedited Payments	$5	Not stated	None
Bill Pay Overnight Check Payments	$25	Not stated	None
Cash & Deposit
Deposited Check Returned Unpaid	$10	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Legal Garnishment	$100	Not stated	None
Other Fees
Loan Payment Extension Fee (Skip-a-Payment)	$35	Not stated	None

Correct a fee source

Nov 3, 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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