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

Michigan One Community Federal Credit Union

Ionia, MichiganCredit UnionChicago 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

Account Research & Reconciliation$21Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay$28Within the typical range ($25–$32 nationally)
$2 below the national median
Source
Non-Sufficient Funds (NSF)$30Within the typical range ($25–$31.50 nationally)
At the national median
Source
Returned Check$10Below the typical range ($25–$31.50 nationally)
$20 below the national median
Source

ATM & CardVerified

ATM Transactions at all other locations$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Rush Delivery of Card or PIN$70Above the typical range ($30–$50 nationally)
$30 above the national median
Source

Wire TransfersVerified

Wire Transfer Fee Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfer Fee Outgoing$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source

Check ServicesVerified

Cashier’s Check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Cashier’s Check Copy$8Above the typical range ($2–$5 nationally)
$5 above the national median
Source
Check Copy$3Within the typical range ($2–$5 nationally)
At the national median
Source
Money Order Fee$1.50Below the typical range ($1.75–$3 nationally)
$0.50 below the national median
per month · Source
Money Order Stop Payment or Copy$20Within the typical range ($20–$30 nationally)
$6 below the national median
Source
Stop Payments$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source
Zelle Stop Payment/Reversal$10Below the typical range ($20–$30 nationally)
$16 below the national median
Source

Account ServicesVerified

Levy/Garnishment/Collection$40Within the typical range ($30–$75 nationally)
$10 below the national median
Source
Mortgage & Account Verification$15Within the typical range ($8.98–$15 nationally)
$5 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research & Reconciliation	$21Within the typical range ($20–$25 nationally)	$4 below the national median	—	—	Source
Dormant Account	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay	$28Within the typical range ($25–$32 nationally)	$2 below the national median	—	—	Source
Non-Sufficient Funds (NSF)	$30
ATM & CardVerified
ATM Transactions at all other locations	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Rush Delivery of Card or PIN	$70
Wire TransfersVerified
Wire Transfer Fee Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire Transfer Fee Outgoing	$30
Check ServicesVerified
Cashier’s Check	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	—	Source
Cashier’s Check Copy	$8
Cash & DepositVerified
Returned Deposited Check	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
Levy/Garnishment/Collection	$40Within the typical range ($30–$75 nationally)	$10 below the national median	—	—	Source
Mortgage & Account Verification	$15

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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

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$240.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$240.2M

Total deposits

$211.5M

Service charge income (year to date)

$960K

Fee income ratio

12.6%

Return on assets

1.07%

Financial profile · Pro

Performance from regulator filings

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

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Based on 37,727 published fee entries from 2,634 institutions

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