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

United Churches Federal Credit Union

Taylor, 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

Account Balancing Assistance (per hour 1hr min)$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=account_research; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Account Balancing Assistance (per hour 1hr min) | $10.00" · Source

Compliance with Legal / Court Orders / Escheats$25

$20 above the national median

Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=dormant_account; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Compliance with Legal / Court Orders / Escheats | $25.00" · Source

Dormant Account Service Fee (monthly)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=dormant_account; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Dormant Account Service Fee (monthly) | $5.00" · Source

Monthly Service Fee (if balance falls below during the month)$3.50

$2.45 below the national median

per month · Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=monthly_maintenance; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Monthly Service Fee (if balance falls below $100.00 during the month) | $3.50" · Source

Paper Statement Fee$3

At the national median

Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=paper_statement; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Paper Statement Fee | $3.00" · Source

Overdraft & NSFVerified

Item Paid Using Overdraft Courtesy Pay$35Above the typical range ($25–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=overdraft; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Item Paid Using Overdraft Courtesy Pay | $35.00" · Source

ATM & CardVerified

ATM Withdrawal (first four withdrawals in any month are free)$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=atm_non_network; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="ATM Withdrawal (first four withdrawals in any month are free) | $2.00" · Source
Replacement Cards$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=card_replacement; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Replacement Cards | $20.00" · Source
Replacement PIN Number$3Below the typical range ($5–$10 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=card_replacement; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Replacement PIN Number | $3.00" · Source

Wire TransfersVerified

Outgoing Domestic Wire$15Below the typical range ($20–$25 nationally)
$7.50 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=wire_domestic_outgoing; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Outgoing Domestic Wire | $15.00" · Source
Outgoing International Wire$25Below the typical range ($40–$50 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=wire_intl_outgoing; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Outgoing International Wire | $25.00" · Source

Check ServicesVerified

Cashier's Check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=cashiers_check; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Cashier's Check | $3.00" · Source
Money Orders$2Within the typical range ($2–$3.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=money_order; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Money Orders | $2.00" · Source
Stop Payment$15Below the typical range ($20–$30 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=stop_payment; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Stop Payment | $15.00" · Source

Digital & ElectronicVerified

Drafts/ACH Returned Due to Insufficient Funds$35Above the typical range ($15–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=ach_return; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Drafts/ACH Returned Due to Insufficient Funds | $35.00" · Source

Cash & DepositVerified

Deposited Checks Returned Unpaid$10Within the typical range ($9–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=deposited_item_return; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Deposited Checks Returned Unpaid | $10.00" · Source
Visa Cash Advance$3Below the typical range ($3.38–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=cash_advance; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Visa Cash Advance | $3.00" · Source

Account ServicesVerified

Notary Service (Per Page)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=notary_fee; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Notary Service (Per Page) | $10.00" · Source
Request for Subordination Agreement$150Above the typical range ($30–$125 nationally)
$75 above the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=legal_process; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Request for Subordination Agreement | $150.00" · Source

Other FeesVerified

Photocopy of Draft$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=document_reproduction; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Photocopy of Draft | $3.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance (per hour 1hr min)	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=account_research; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Account Balancing Assistance (per hour 1hr min) \| $10.00"	Source
Compliance with Legal / Court Orders / Escheats	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=dormant_account; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Compliance with Legal / Court Orders / Escheats \| $25.00"	Source
Dormant Account Service Fee (monthly)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=dormant_account; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Dormant Account Service Fee (monthly) \| $5.00"	Source
Monthly Service Fee (if balance falls below during the month)	$3.50Within the typical range ($3–$10 nationally)	$2.45 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=monthly_maintenance; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Monthly Service Fee (if balance falls below $100.00 during the month) \| $3.50"	Source
Paper Statement Fee	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=paper_statement; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Paper Statement Fee \| $3.00"	Source
Overdraft & NSFVerified
Item Paid Using Overdraft Courtesy Pay	$35Above the typical range ($25–$30 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=overdraft; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Item Paid Using Overdraft Courtesy Pay \| $35.00"	Source
ATM & CardVerified
ATM Withdrawal (first four withdrawals in any month are free)	$2Within the typical range ($1–$2.50 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=atm_non_network; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="ATM Withdrawal (first four withdrawals in any month are free) \| $2.00"	Source
Replacement Cards
Wire TransfersVerified
Outgoing Domestic Wire	$15Below the typical range ($20–$25 nationally)	$7.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=wire_domestic_outgoing; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Outgoing Domestic Wire \| $15.00"	Source
Outgoing International Wire
Check ServicesVerified
Cashier's Check	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=cashiers_check; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Cashier's Check \| $3.00"	Source
Money Orders	$2
Digital & ElectronicVerified
Drafts/ACH Returned Due to Insufficient Funds	$35Above the typical range ($15–$30 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=ach_return; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Drafts/ACH Returned Due to Insufficient Funds \| $35.00"	Source
Cash & DepositVerified
Deposited Checks Returned Unpaid	$10Within the typical range ($9–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=deposited_item_return; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Deposited Checks Returned Unpaid \| $10.00"	Source
Visa Cash Advance	$3
Account ServicesVerified
Notary Service (Per Page)	$10Above the typical range ($0–$5 nationally)	$7.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=notary_fee; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Notary Service (Per Page) \| $10.00"	Source
Request for Subordination Agreement	$150
Other FeesVerified
Photocopy of Draft	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4653. canonical_hint=document_reproduction; text_hash=cbc1349ce6dbc6541a7cc4ca2e430138c3a80e498038f5355e161595b5742a67; excerpt="Photocopy of Draft \| $3.00"	Source

Fee change alerts

Get an email when United Churches Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at United Churches Federal Credit Union? Benchmark it against peers, free

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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 20 — leaner than most institutions

Published fees

Under review

Assets

$21.9M

Work at United Churches Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$21.9M

Total deposits

$19.5M

Service charge income (year to date)

$52K

Fee income ratio

10.2%

Return on assets

0.86%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 25,624 verified fees from 2,223 institutions

See pricing