Thornapple Federal Credit Union

Headquarters: Hastings, Michigan
Charter: Credit Union
Assets: $79.2M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Secure Checking $3 · Basic Checking $5
Compared at $4, the middle of its prices
Thornapple Federal Credit Union: $3 to $5
Thornapple Federal Credit Union: $3 to $5
U.S. median: no median
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Thornapple Federal Credit Union: $5 to $30
Thornapple Federal Credit Union: $5 to $30
U.S. median: no median
NSF / Returned Item
Thornapple Federal Credit Union: $30
Thornapple Federal Credit Union: $30
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 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 Thornapple Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly Fee$5
per month · waived if 62 or older) $5.00
Secure Checking Monthly Fee$3
per month
Inactive Fee; no deposit or withdraw for 12 months on balances of or less, per month$5
per month
Account reconciliation/research fee per hour; min 1 hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail bad address$5

Overdraft & NSF

NSF/Courtesy Pay per transaction$30
per transaction
Overdraft$5
Overdraft Fee; applies when an overdraft is caused by a draft, ACH, or debit transaction$25
Non-sufficient Funds; per draft, ACH, debit, or ATM transaction$30
per item
Returned check$30

ATM & Card

ATM withdrawal; after five @ a non-co-op machine$1
Replacement Mastercard, ATM, Debit card; after first time$10
Replacement Mastercard, ATM, Debit card; first time$5

Wire Transfers

Outgoing Wire Transfer$20

Check Services

Cashiers Checks$2
Money Orders$1
Stop Payment; per ACH, draft, block of drafts, or money order$30
Temporary Starter Checks$4
one time · 4 checks
Temporary starter checks (4)$4
Check cashing; per check$2
per item
Non-member check cashing$5
Draft copies$5

Cash & Deposit

Coin machine3%
Cash advance on non-TCU chip only cards$5

Account Services

Safe Deposit Large Box Rental Fee per year; Delton office only$100
per year
Safe Deposit Small Box Rental Fee per year; Delton office only$75
per year
Garnishment Fee$50
Verification of deposit or asset$10

Gift & Prepaid Cards

Visa gift cards$5

Other Fees

Document Reproduction$2
Not compared: Monthly charge, not per item
per month
Statement copy per Statement <18 months$2

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly Fee	$5	per month	waived if 62 or older) $5.00
Secure Checking Monthly Fee	$3	per month	None
Inactive Fee; no deposit or withdraw for 12 months on balances of or less, per month	$5	per month	None
Account reconciliation/research fee per hour; min 1 hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail bad address	$5	Not stated	None
Overdraft & NSF
NSF/Courtesy Pay per transaction	$30	per transaction	None
Overdraft	$5	Not stated	None
Overdraft Fee; applies when an overdraft is caused by a draft, ACH, or debit transaction	$25	Not stated	None
Non-sufficient Funds; per draft, ACH, debit, or ATM transaction	$30	per item	None
Returned check	$30	Not stated	None
ATM & Card
ATM withdrawal; after five @ a non-co-op machine	$1	Not stated	None
Replacement Mastercard, ATM, Debit card; after first time	$10	Not stated	None
Replacement Mastercard, ATM, Debit card; first time	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Check Services
Cashiers Checks	$2	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment; per ACH, draft, block of drafts, or money order	$30	Not stated	None
Temporary Starter Checks	$4	one time	4 checks
Temporary starter checks (4)	$4	Not stated	None
Check cashing; per check	$2	per item	None
Non-member check cashing	$5	Not stated	None
Draft copies	$5	Not stated	None
Cash & Deposit
Coin machine	3%	Not stated	None
Cash advance on non-TCU chip only cards	$5	Not stated	None
Account Services
Safe Deposit Large Box Rental Fee per year; Delton office only	$100	per year	None
Safe Deposit Small Box Rental Fee per year; Delton office only	$75	per year	None
Garnishment Fee	$50	Not stated	None
Verification of deposit or asset	$10	Not stated	None
Gift & Prepaid Cards
Visa gift cards	$5	Not stated	None
Other Fees
Document Reproduction	$2Not compared: Monthly charge, not per item	per month	None
Statement copy per Statement <18 months	$2	Not stated	None

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.

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