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, under $300M

U.P. State Federal Credit Union

Escanaba, MichiganCredit UnionMinneapolis Fed districtFees collected Oct 6, 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

Dormant Account$10Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay per Check$25Within the typical range ($25–$33 nationally)
$5 below the national median$4 below the Michigan median
per item · Source
Non-Sufficient Funds$25Within the typical range ($25–$32 nationally)
$5 below the national median$4 below the Michigan median
Source

Wire TransfersVerified

Domestic Wire Transfer$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Michigan median
Source
International Wire Transfer$50Within the typical range ($40–$50 nationally)
At the national median$5 above the Michigan median
Source

Check ServicesVerified

Corporate Check$2Below the typical range ($3–$6 nationally)
$3 below the national median$1 below the Michigan median
Source
Money Order (up to $1,000)$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1 below the Michigan median
Source
Stop Payment Order$15Below the typical range ($20–$30 nationally)
$12.50 below the national median$12 below the Michigan median
Source
Starter Checks Per Sheet$4Within the typical range ($1–$4 nationally)
$2 above the national median$2 above the Michigan median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Michigan median	per month	—	Source
Account Research	$25Within the typical range ($11–$25 nationally)	$7.50 above the national median$6.25 above the Michigan median	—	—	Source
Invalid Address	$5Below the typical range ($11–$25 nationally)	$12.50 below the national median$13.75 below the Michigan median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay per Check	$25Within the typical range ($25–$33 nationally)	$5 below the national median$4 below the Michigan median	per item	—	Source
Non-Sufficient Funds	$25
ATM & CardVerified
ATM/Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median$2.50 above the Michigan median	—	—	Source
Wire TransfersVerified
Domestic Wire Transfer	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Michigan median	—	—	Source
International Wire Transfer	$50
Check ServicesVerified
Corporate Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median$1 below the Michigan median	—	—	Source
Money Order (up to $1,000)	$1
Account ServicesVerified
Legal Processing	$25Below the typical range ($30–$100 nationally)	$25 below the national median$20 below the Michigan median	—	—	Source
Lending FeesVerified
Consumer Loan Origination	$30Within the typical range ($20–$75 nationally)	At the national median$2.50 above the Michigan median	—	—	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$5Above the typical range ($3–$4.95 nationally)	$1.50 above the national median$1 above the Michigan median	—	—	Source
Other FeesVerified
Statement Copy Over 2 Months Old	$2Within the typical range ($2–$5 nationally)	$1 below the national median$1 below the Michigan median	—	—	Source

Fee change alerts

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

16 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$210.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$210.3M

Total deposits

$181.5M

Service charge income (year to date)

$544K

Fee income ratio

8.3%

Return on assets

1.66%

Financial profile · Pro

Performance from regulator filings

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