Total Community Federal Credit Union

Headquarters: Taylor, Michigan
Charter: Credit Union
Assets: $111.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 19, 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)
Total Community Federal Credit Union: $32
Total Community Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Total Community Federal Credit Union: $32
Total Community Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Total Community Federal Credit Union: $2
Total Community 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 19, 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 Total Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Savings Account, Low Balance Fee$5
Membership Account Closed within 6 months$15
Dormant Account Fee, 12 mos. inactivity$5
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements (waived for under 18 & over 65 years of age)$2
per month
Returned Mail/Bad Address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$32
per item
Non-Sufficient Funds (NSF)$32
per item
Overdraft Transfer Fee (from savings)$3

ATM & Card

All other ATM machines$2
per item
Debit Card Replacement$10
Expedited Debit Card$95

Wire Transfers

Wire Transfer - Outgoing (domestic)$30
Wire Transfer - Incoming$5

Check Services

Corporate Check$3
Money Order$2
Stop Payment$30
Check Cashing – Non-member (on-us or Corporate)$10
per item
Copy Canceled Check (free Online)$5
per item

Cash & Deposit

Coin Machine, Members (audience not stated, treated as personal)7%
Coin Machine, Non-members14%
Cash Advance – Non-Member$15
Cash Advance From Another Institution for Members$10
Return Deposit Item – third party$15
per item
Return Deposit Item-Self (from member’s account elsewhere)$32
per item

Account Services

Notary – Non-members (free for members)$10
per item
Garnishment, Levy or other Legal Collection$75
per item
Real Estate Subordination$200
Account Verification of Deposits for Other Institutions$5

Retirement & IRA

IRA Transfer to another FI$50

Other Fees

Loan Modification/Subsequent Action$35
Loan Refinance Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Savings Account, Low Balance Fee	$5	Not stated	None
Membership Account Closed within 6 months	$15	Not stated	None
Dormant Account Fee, 12 mos. inactivity	$5	Not stated	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements (waived for under 18 & over 65 years of age)	$2	per month	None
Returned Mail/Bad Address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$32	per item	None
Non-Sufficient Funds (NSF)	$32	per item	None
Overdraft Transfer Fee (from savings)	$3	Not stated	None
ATM & Card
All other ATM machines	$2	per item	None
Debit Card Replacement	$10	Not stated	None
Expedited Debit Card	$95	Not stated	None
Wire Transfers
Wire Transfer - Outgoing (domestic)	$30	Not stated	None
Wire Transfer - Incoming	$5	Not stated	None
Check Services
Corporate Check	$3	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$30	Not stated	None
Check Cashing – Non-member (on-us or Corporate)	$10	per item	None
Copy Canceled Check (free Online)	$5	per item	None
Cash & Deposit
Coin Machine, Members (audience not stated, treated as personal)	7%	Not stated	None
Coin Machine, Non-members	14%	Not stated	None
Cash Advance – Non-Member	$15	Not stated	None
Cash Advance From Another Institution for Members	$10	Not stated	None
Return Deposit Item – third party	$15	per item	None
Return Deposit Item-Self (from member’s account elsewhere)	$32	per item	None
Account Services
Notary – Non-members (free for members)	$10	per item	None
Garnishment, Levy or other Legal Collection	$75	per item	None
Real Estate Subordination	$200	Not stated	None
Account Verification of Deposits for Other Institutions	$5	Not stated	None
Retirement & IRA
IRA Transfer to another FI	$50	Not stated	None
Other Fees
Loan Modification/Subsequent Action	$35	Not stated	None
Loan Refinance Fee	$100	Not stated	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 19, 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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