Preferred Federal Credit Union

Headquarters: Grand Rapids, Michigan
Charter: Credit Union
Assets: $318.1M
Fed district: Chicago

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Fresh Start Checking
Preferred Federal Credit Union: $10
Preferred Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Preferred Federal Credit Union: $30
Preferred Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Preferred Federal Credit Union: $30
Preferred 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 4, 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 Preferred Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Monthly service charge (audience not stated, treated as personal)$10
per month
Membership Closed in Less Than 90 Days Fee$25
Dormant Account Fee (24 months with no activity)$15
per month
Escheatment Fee$50
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research Fee | $20.00/hour
Bad Address Fee$2
per month

Overdraft & NSF

Courtesy Pay Fee$30
per item
Non-Sufficient Funds Fee$30
per item
Overdraft Transfer Fee$5
per item

ATM & Card

Plastic Card Replacement Fee (audience not stated, treated as personal)$5
per item
Plastic Card Rush Fee (audience not stated, treated as personal)$35
per item

Wire Transfers

Outgoing Wire Transfer Fee$15

Check Services

Official/Cashiers Check$3
per item
Money Order$1
per item
Stop Payment Fee$30
per item
Temporary Checks$5
per item · 12 checks
Check Copy (free online)$5
per item

Digital & Electronic

Bill Pay (audience not stated, treated as personal)No charge

Cash & Deposit

Deposit Item Return Fee$30
per item

Account Services

Garnishment/Levy/Subpoena$50
per item
Legal Processing Fee$75
Account Verification Fee$10

Retirement & IRA

IRA Transfer/Rollover Fee$20

Gift & Prepaid Cards

Visa Gift Card or Reloadable Debit Card (audience not stated, treated as personal)$5.95
per item

Other Fees

Fax Service (restrictions apply – same area code only)$1
Not compared: Charged per page; comparison unavailable
per page · Fax Service (restrictions apply – same area code only) | $1.00/page
Loan Extension Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Membership Closed in Less Than 90 Days Fee	$25	Not stated	None
Dormant Account Fee (24 months with no activity)	$15	per month	None
Escheatment Fee	$50	Not stated	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research Fee \| $20.00/hour
Bad Address Fee	$2	per month	None
Overdraft & NSF
Courtesy Pay Fee	$30	per item	None
Non-Sufficient Funds Fee	$30	per item	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Plastic Card Replacement Fee (audience not stated, treated as personal)	$5	per item	None
Plastic Card Rush Fee (audience not stated, treated as personal)	$35	per item	None
Wire Transfers
Outgoing Wire Transfer Fee	$15	Not stated	None
Check Services
Official/Cashiers Check	$3	per item	None
Money Order	$1	per item	None
Stop Payment Fee	$30	per item	None
Temporary Checks	$5	per item	12 checks
Check Copy (free online)	$5	per item	None
Digital & Electronic
Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Deposit Item Return Fee	$30	per item	None
Account Services
Garnishment/Levy/Subpoena	$50	per item	None
Legal Processing Fee	$75	Not stated	None
Account Verification Fee	$10	Not stated	None
Retirement & IRA
IRA Transfer/Rollover Fee	$20	Not stated	None
Gift & Prepaid Cards
Visa Gift Card or Reloadable Debit Card (audience not stated, treated as personal)	$5.95	per item	None
Other Fees
Fax Service (restrictions apply – same area code only)	$1Not compared: Charged per page; comparison unavailable	per page	Fax Service (restrictions apply – same area code only) \| $1.00/page
Loan Extension Fee	$35	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

Nov 4, 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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