South Central Federal Credit Union

Headquarters: Jackson, Michigan
Charter: Credit Union
Assets: $84.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 22, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
South Central Federal Credit Union: $25
South Central Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
South Central Federal Credit Union: $25
South Central Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $15, the middle of its prices
South Central Federal Credit Union: $10 to $20
South Central Federal Credit Union: $10 to $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from South Central Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within 6 Months$10
Dormant Share Fee$5
Account Reconciliation/Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Reg. D Excessive Transfer Fee (audience not stated, treated as personal)$5

Overdraft & NSF

Overdraft (Non-Sufficient Funds)$25
per item
NSF fee$25
Overdraft Transfer$3

ATM & Card

ATM/Debit Card Rush Order$30
Visa Card Rush Order$17.25
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer Fee (in or out)$20
Wire Transfer Fee (in or out) – 5 Star Member$10
Foreign Wire Fee$30

Check Services

Starter Checks (minimum 4)$2.50
Check Cashing Fee$3
Copy of Cleared Check$4

Cash & Deposit

Return Item$15

Account Services

Notary Service: Member (audience not stated, treated as personal)No charge
Notary Service: Non-Member$10

Gift & Prepaid Cards

Visa Gift Card – 5 Star Member$3.50
Visa Gift Card – General Member$5

Other Fees

Statement & Account History Copies (per page)$1
per item
Skip-A-Payment Fee (1 per year per loan)$35
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 6 Months	$10	Not stated	None
Dormant Share Fee	$5	Not stated	None
Account Reconciliation/Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Reg. D Excessive Transfer Fee (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
Overdraft (Non-Sufficient Funds)	$25	per item	None
NSF fee	$25	Not stated	None
Overdraft Transfer	$3	Not stated	None
ATM & Card
ATM/Debit Card Rush Order	$30	Not stated	None
Visa Card Rush Order	$17.25	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee (in or out)	$20	Not stated	None
Wire Transfer Fee (in or out) – 5 Star Member	$10	Not stated	None
Foreign Wire Fee	$30	Not stated	None
Check Services
Starter Checks (minimum 4)	$2.50	Not stated	None
Check Cashing Fee	$3	Not stated	None
Copy of Cleared Check	$4	Not stated	None
Cash & Deposit
Return Item	$15	Not stated	None
Account Services
Notary Service: Member (audience not stated, treated as personal)	No charge	Not stated	None
Notary Service: Non-Member	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card – 5 Star Member	$3.50	Not stated	None
Visa Gift Card – General Member	$5	Not stated	None
Other Fees
Statement & Account History Copies (per page)	$1	per item	None
Skip-A-Payment Fee (1 per year per loan)	$35Not compared: Annual charge, not per item	per year	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

Oct 22, 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

Get an email when South Central Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.