U.P. State Federal Credit Union

Headquarters: Escanaba, Michigan
Charter: Credit Union
Assets: $210.3M
Fed district: Minneapolis

16 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.

Overdraft (OD)
U.P. State Federal Credit Union: $25
U.P. State Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
U.P. State Federal Credit Union: $25
U.P. State Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
U.P. State Federal Credit Union: $20
U.P. State Federal Credit Union: $20
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 Minneapolis 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.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 U.P. State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
per month
Account Research$25
Invalid Address$5
per month

Overdraft & NSF

Courtesy Pay per Check$25
per item
Non-Sufficient Funds$25

ATM & Card

ATM/Debit Card Replacement$10

Wire Transfers

Domestic Wire Transfer$20
International Wire Transfer$50

Check Services

Corporate Check$2
Money Order (up to $1,000)$1
ACH Stop Payment$15
Stop Payment Order$15
Starter Checks Per Sheet (audience not stated, treated as personal)$4
per item

Account Services

Legal Processing (audience not stated, treated as personal)$25

Lending Fees

Consumer Loan Origination$30

Gift & Prepaid Cards

VISA Gift Card (audience not stated, treated as personal)$5

Other Fees

Statement Copy Over 2 Months Old$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Account Research	$25	Not stated	None
Invalid Address	$5	per month	None
Overdraft & NSF
Courtesy Pay per Check	$25	per item	None
Non-Sufficient Funds	$25	Not stated	None
ATM & Card
ATM/Debit Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
International Wire Transfer	$50	Not stated	None
Check Services
Corporate Check	$2	Not stated	None
Money Order (up to $1,000)	$1	Not stated	None
ACH Stop Payment	$15	Not stated	None
Stop Payment Order	$15	Not stated	None
Starter Checks Per Sheet (audience not stated, treated as personal)	$4	per item	None
Account Services
Legal Processing (audience not stated, treated as personal)	$25	Not stated	None
Lending Fees
Consumer Loan Origination	$30	Not stated	None
Gift & Prepaid Cards
VISA Gift Card (audience not stated, treated as personal)	$5	Not stated	None
Other Fees
Statement Copy Over 2 Months Old	$2	Not stated	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 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.

Fee change alerts

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