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, $300M to $1B

Soo Co-Op Federal Credit Union

Sault Sainte Ma, 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 closure (open less than six months)$5Below the typical range ($10–$25 nationally)

Dormant Account (per month)$10

$5 above the national median

per month · Source

Overdraft & NSFVerified

Non-sufficient funds for EFT, debit or draft (NSF)$30Within the typical range ($25–$31.88 nationally)
At the national median
Source

ATM & CardVerified

ATM and Debit Card$5Above the typical range ($1–$2.50 nationally)
$3.25 above the national median
Source
Replace lost or stolen ATM/debit card$20Above the typical range ($5–$10 nationally)
$10 above the national median
Source

Check ServicesVerified

Copy of check$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Corporate Draft / Money Orders$1Below the typical range ($1.66–$3 nationally)
$1 below the national median
Source
Stop payment on checks and ACH transactions$15Below the typical range ($20–$30 nationally)
$12 below the national median
Source

Cash & DepositVerified

Chargeback for debit card transactions$25Within the typical range ($10–$25 nationally)
$10 above the national median
Source
Chargeback for deposited items that are returned$15Within the typical range ($10–$25 nationally)
At the national median
Source

Account ServicesVerified

Garnishments$35Within the typical range ($30–$75 nationally)
$15 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closure (open less than six months)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Dormant Account (per month)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Overdraft & NSFVerified
Non-sufficient funds for EFT, debit or draft (NSF)	$30Within the typical range ($25–$31.88 nationally)	At the national median	—	—	Source
ATM & CardVerified
ATM and Debit Card	$5Above the typical range ($1–$2.50 nationally)	$3.25 above the national median	—	—	Source
Replace lost or stolen ATM/debit card	$20
Check ServicesVerified
Copy of check	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	—	Source
Corporate Draft / Money Orders	$1
Cash & DepositVerified
Chargeback for debit card transactions	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Chargeback for deposited items that are returned	$15
Account ServicesVerified
Garnishments	$35Within the typical range ($30–$75 nationally)	$15 below the national median	—	—	Source

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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.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 11 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$324.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$324.4M

Total deposits

$281.4M

Service charge income (year to date)

$813K

Fee income ratio

8.4%

Return on assets

1.41%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 40,289 published fee entries from 2,794 institutions

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