Soo Co-Op Federal Credit Union

Headquarters: Sault Sainte Marie, Michigan
Charter: Credit Union
Assets: $324.4M
Fed district: Minneapolis

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

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

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Fees against the market

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

Monthly Maintenance
Superior Checking
Soo Co-Op Federal Credit Union: $4.99
Soo Co-Op Federal Credit Union: $4.99
U.S. median: no median
Overdraft (OD)
Soo Co-Op Federal Credit Union: $25
Soo Co-Op Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Soo Co-Op Federal Credit Union: $30
Soo Co-Op 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 Minneapolis 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.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 Soo Co-Op Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Superior Checking Monthly service charge$4.99
per month
Account closure (open less than six months)$5
Dormant Account (per month)$10
per month
Account research/Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Overdraft / ATM-Debit OD (each EFT, debit or draft)$25
per item
Non-sufficient funds for EFT, debit or draft (NSF)$30

ATM & Card

Non-SCCU Owned/Non-CO-OP Network ATM$1
Card Replacement Fee$5
Emergency Card Replacement Fee$27.50
Reorder fee for lost cards$5
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Domestic wire transfer$15
per item
Foreign wire transfer$30
per item

Check Services

Corporate Draft / Money Orders$1
per item
Stop payment on checks and ACH transactions$15
per item
Copy of check$2
per item

Cash & Deposit

Chargeback for deposited items that are returned$15
per item
Return Check Fee for foreign draft items$50

Account Services

Garnishments$35
per item
IRS levy/State withholding/Tax lien$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Superior Checking Monthly service charge	$4.99	per month	None
Account closure (open less than six months)	$5	Not stated	None
Dormant Account (per month)	$10	per month	None
Account research/Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Overdraft / ATM-Debit OD (each EFT, debit or draft)	$25	per item	None
Non-sufficient funds for EFT, debit or draft (NSF)	$30	Not stated	None
ATM & Card
Non-SCCU Owned/Non-CO-OP Network ATM	$1	Not stated	None
Card Replacement Fee	$5	Not stated	None
Emergency Card Replacement Fee	$27.50	Not stated	None
Reorder fee for lost cards	$5	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Domestic wire transfer	$15	per item	None
Foreign wire transfer	$30	per item	None
Check Services
Corporate Draft / Money Orders	$1	per item	None
Stop payment on checks and ACH transactions	$15	per item	None
Copy of check	$2	per item	None
Cash & Deposit
Chargeback for deposited items that are returned	$15	per item	None
Return Check Fee for foreign draft items	$50	Not stated	None
Account Services
Garnishments	$35	per item	None
IRS levy/State withholding/Tax lien	$35	per item	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

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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