Members First Federal Credit Union

Headquarters: Midland, Michigan
Charter: Credit Union
Assets: $905.4M
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Overdraft (OD)
Members First Federal Credit Union: $27
Members First Federal Credit Union: $27
U.S. median: no median
NSF / Returned Item
Members First Federal Credit Union: $27
Members First Federal Credit Union: $27
U.S. median: no median
Stop Payment
Compared at $22.50, the middle of its prices
Members First Federal Credit Union: $18 to $27
Members First Federal Credit Union: $18 to $27
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Members First Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
per month
Account Research$27
Bad Address$5
per month

Overdraft & NSF

Member Privilege Overdraft Protection, per item paid$27
per item
NSF Check Return Fee (waived in Thrive Checking accounts)$27

ATM & Card

Card Replacement$5

Check Services

Cashier's Check$5
Non-Member Cashier's Check Fee$10
per item
Money Order$2
Stop Payment - In Person$27
Stop Payment - Online$18
Counter/Temporary Check$4
per item
Starter Checks$4
per item
Non-Member On-Us Check Cashing Fee$5
per item

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Coin Counting2%
Coin Counting (audience not stated, treated as personal)2%
Cash Advance (audience not stated, treated as personal)3%of the advance
Cash Advance with non-MFCU VISA$10
Returned Deposit$15

Account Services

3 x 5 x 24 (available only at Dartmouth)$30
per year
Duplicate Key for Safe Deposit Box$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 x 24$100
per year
Safe Deposit Box 3 x 10 x 24$50
per year
Safe Deposit Box 5 x 10 x 24$60
per year
Garnishment or Levy$75

Lending Fees

Late Payment Fee$25

Gift & Prepaid Cards

VISA Gift Card$3

Other Fees

Statement Copies/Account History - Fee$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	per month	None
Account Research	$27	Not stated	None
Bad Address	$5	per month	None
Overdraft & NSF
Member Privilege Overdraft Protection, per item paid	$27	per item	None
NSF Check Return Fee (waived in Thrive Checking accounts)	$27	Not stated	None
ATM & Card
Card Replacement	$5	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Non-Member Cashier's Check Fee	$10	per item	None
Money Order	$2	Not stated	None
Stop Payment - In Person	$27	Not stated	None
Stop Payment - Online	$18	Not stated	None
Counter/Temporary Check	$4	per item	None
Starter Checks	$4	per item	None
Non-Member On-Us Check Cashing Fee	$5	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Counting	2%	Not stated	None
Coin Counting (audience not stated, treated as personal)	2%	Not stated	None
Cash Advance (audience not stated, treated as personal)	3%of the advance	Not stated	None
Cash Advance with non-MFCU VISA	$10	Not stated	None
Returned Deposit	$15	Not stated	None
Account Services
3 x 5 x 24 (available only at Dartmouth)	$30	per year	None
Duplicate Key for Safe Deposit Box	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10 x 24	$100	per year	None
Safe Deposit Box 3 x 10 x 24	$50	per year	None
Safe Deposit Box 5 x 10 x 24	$60	per year	None
Garnishment or Levy	$75	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	Not stated	None
Other Fees
Statement Copies/Account History - Fee	$2	per item	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

Nov 4, 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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