Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Ignite Federal Credit Union

Battle Creek, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Checking Plus Account Monthly service charge$5.95Within the typical range ($4–$10 nationally)

$0.05 below the national median$0.03 below the Michigan median

Dormant Account (no activity for 12 months)$25

$20 above the national median$20 above the Michigan median

per month · Source

Account Research/Reconciliation fee$20

$2.50 above the national median$1.25 above the Michigan median

Source

Paper Statement³$5

$2 above the national median$2.50 above the Michigan median

per month · Source

Overdraft & NSFVerified

NSF, Courtesy Pay, or Overdraft Fee (paid or unpaid)¹$27Within the typical range ($25–$33 nationally)
$3 below the national median$2 below the Michigan median
Source

ATM & CardVerified

Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median$2.50 above the Michigan median
Source

Wire TransfersVerified

Wire Transfer, Out-going Fee$35Above the typical range ($20–$25 nationally)
$10 above the national median$10 above the Michigan median
Source
Wire Transfer, Incoming Fee$10Within the typical range ($5–$15 nationally)
At the national median$5 above the Michigan median
Source

Check ServicesVerified

Cashier's Check Fee$3Within the typical range ($3–$6 nationally)
$2 below the national medianAt the Michigan median
per item · Source
Money Order's Fee$3Within the typical range ($1.50–$3 nationally)
$1 above the national median$1 above the Michigan median
per item · Source
Stop Payment Fee$27Within the typical range ($20–$30 nationally)
$0.50 below the national medianAt the Michigan median
Source
Temporary Checks$2Within the typical range ($1–$4 nationally)
At the national medianAt the Michigan median
per item · Per page · Institution’s schedule
Non-member Check Cashing Fee$10Within the typical range ($5–$10 nationally)
$5 above the national median$5 above the Michigan median
Source

Digital & ElectronicVerified

Use Online BillPay or Account-To-Account Transfers: Gift Card$3Within the typical range ($0–$9.95 nationally)
$0.50 above the national medianAt the Michigan median
Source

Cash & DepositVerified

Deposited Items Returned Unpaid$15Within the typical range ($8–$25 nationally)
At the national medianAt the Michigan median
Source

Account ServicesVerified

Notary Fee (non member)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median$5 above the Michigan median
per item · Source
Levy/Garnishment/Subpoena Fees$35Within the typical range ($30–$90 nationally)
$15 below the national median$15 below the Michigan median
Source

Gift & Prepaid CardsVerified

Gift Card$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$1 below the Michigan median
Source

Other FeesVerified

Mortgage Discharge or Subordination Fee$50Within the typical range ($25–$100 nationally)
$12.50 above the national median$7.50 above the Michigan median
Source
Skip a Payment$35Within the typical range ($25–$100 nationally)
$2.50 below the national median$7.50 below the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Checking Plus Account Monthly service charge	$5.95Within the typical range ($4–$10 nationally)	$0.05 below the national median$0.03 below the Michigan median	per month	—	Source
Dormant Account (no activity for 12 months)	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Michigan median	per month	—	Source
Account Research/Reconciliation fee	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$1.25 above the Michigan median	—	—	Source
Paper Statement³	$5Above the typical range ($2–$4.59 nationally)	$2 above the national median$2.50 above the Michigan median	per month	—	Source
Overdraft & NSFVerified
NSF, Courtesy Pay, or Overdraft Fee (paid or unpaid)¹	$27Within the typical range ($25–$33 nationally)	$3 below the national median$2 below the Michigan median	—	—	Source
ATM & CardVerified
Card Replacement Fee	$10Within the typical range ($5–$10 nationally)	At the national median$2.50 above the Michigan median	—	—	Source
Wire TransfersVerified
Wire Transfer, Out-going Fee	$35Above the typical range ($20–$25 nationally)	$10 above the national median$10 above the Michigan median	—	—	Source
Wire Transfer, Incoming Fee	$10
Check ServicesVerified
Cashier's Check Fee	$3Within the typical range ($3–$6 nationally)	$2 below the national medianAt the Michigan median	per item	—	Source
Money Order's Fee	$3
Digital & ElectronicVerified
Use Online BillPay or Account-To-Account Transfers: Gift Card	$3Within the typical range ($0–$9.95 nationally)	$0.50 above the national medianAt the Michigan median	—	—	Source
Cash & DepositVerified
Deposited Items Returned Unpaid	$15Within the typical range ($8–$25 nationally)	At the national medianAt the Michigan median	—	—	Source
Account ServicesVerified
Notary Fee (non member)	$10Above the typical range ($0–$5 nationally)	$7.50 above the national median$5 above the Michigan median	per item	—	Source
Levy/Garnishment/Subpoena Fees	$35
Gift & Prepaid CardsVerified
Gift Card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$1 below the Michigan median	—	—	Source
Other FeesVerified
Mortgage Discharge or Subordination Fee	$50Within the typical range ($25–$100 nationally)	$12.50 above the national median$7.50 above the Michigan median	—	—	Source
Skip a Payment	$35

Against Michigan credit unions

Overdraft
$27.00
Of 78 others that publish it, 29 lower, 2 the same and 47 higher.
Monthly maintenance
$5.95
Of 28 others that publish it, 15 lower and 13 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$27

Overdraft fee: $27

10% below the national median overdraft fee

20 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$379.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$379.9M

Total deposits

$336.7M

Service charge income (year to date)

$1.6M

Fee income ratio

11.8%

Return on assets

0.02%

Financial profile · Pro

Performance from regulator filings

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