United Churches Federal Credit Union

Headquarters: Taylor, Michigan
Charter: Credit Union
Assets: $21.9M
Fed district: Chicago

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
United Churches Federal Credit Union: $3.50
United Churches Federal Credit Union: $3.50
U.S. median: no median
Overdraft (OD)
United Churches Federal Credit Union: $35
United Churches Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
United Churches Federal Credit Union: $2
United Churches Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 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 United Churches Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee (if balance falls below during the month)$3.50
per month
Compliance with Legal / Court Orders / Escheats$25
Dormant Account Service Fee (monthly)$5
per month
Account Balancing Assistance (per hour 1hr min)$10
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Bad Address (2nd returned mail)$5

Overdraft & NSF

ATM /DEBIT Card Overdraft$35
Item Paid Using Overdraft Courtesy Pay$35

ATM & Card

ATM Withdrawal (first four withdrawals in any month are free)$2
Replacement Cards$20

Wire Transfers

Outgoing Domestic Wire$15
Outgoing International Wire$25

Check Services

Cashier's Check$3
Money Orders$2
Stop Payment$15
Foreign Item Deposit$2
Photocopy of Draft$3

Digital & Electronic

Drafts/ACH Returned Due to Insufficient Funds$35

Cash & Deposit

Coin Machine Fee5%
Visa Cash Advance$3
Deposited Checks Returned Unpaid$10

Account Services

Notary Service (Per Page)$10
Not compared: Charged per page; comparison unavailable
per page
Request for Subordination Agreement$150

Other Fees

Copy Service (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee (if balance falls below during the month)	$3.50	per month	None
Compliance with Legal / Court Orders / Escheats	$25	Not stated	None
Dormant Account Service Fee (monthly)	$5	per month	None
Account Balancing Assistance (per hour 1hr min)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Bad Address (2nd returned mail)	$5	Not stated	None
Overdraft & NSF
ATM /DEBIT Card Overdraft	$35	Not stated	None
Item Paid Using Overdraft Courtesy Pay	$35	Not stated	None
ATM & Card
ATM Withdrawal (first four withdrawals in any month are free)	$2	Not stated	None
Replacement Cards	$20	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$15	Not stated	None
Outgoing International Wire	$25	Not stated	None
Check Services
Cashier's Check	$3	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment	$15	Not stated	None
Foreign Item Deposit	$2	Not stated	None
Photocopy of Draft	$3	Not stated	None
Digital & Electronic
Drafts/ACH Returned Due to Insufficient Funds	$35	Not stated	None
Cash & Deposit
Coin Machine Fee	5%	Not stated	None
Visa Cash Advance	$3	Not stated	None
Deposited Checks Returned Unpaid	$10	Not stated	None
Account Services
Notary Service (Per Page)	$10Not compared: Charged per page; comparison unavailable	per page	None
Request for Subordination Agreement	$150	Not stated	None
Other Fees
Copy Service (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 6, 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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