Non-Sufficient Funds Fee (per presentment)$30Within the typical range ($25–$32 nationally)
At the national median$1 above the Michigan median
per item · Source

ATM & CardVerified

Non-Co-Op ATM Transactions Includes withdrawals and transfers$1.95Within the typical range ($1–$2.25 nationally)
$0.45 above the national median$0.20 above the Michigan median
per item · Source
Card Replacement (Credit, Debit, and Travel Card)$5Within the typical range ($5–$10 nationally)
$5 below the national median$2.50 below the Michigan median
Source
Replacement Card Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median$2.50 below the Michigan median
per item · Source

Wire TransfersVerified

Wire Transfer-Domestic Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Michigan median
per item · Source
Wire Transfer-International Outgoing$40Within the typical range ($40–$50 nationally)
$10 below the national median$5 below the Michigan median
per item · Source
Wire Transfer-International Incoming$12Within the typical range ($10–$25 nationally)
$8 below the national median$2 above the Michigan median
per item · Source

Check ServicesVerified

Credit Union Corporate Check 1 free per month$5Within the typical range ($3–$6 nationally)
At the national median$2 above the Michigan median
per item · Source
Money Order (each) 4 free per month$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Michigan median
per item · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3 above the Michigan median
per item · Source
Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Michigan median
Source

Digital & ElectronicVerified

ACH Origination Return Fee$30Within the typical range ($15–$30 nationally)
$5 above the national median$5 above the Michigan median
per item · Source

Account ServicesVerified

Garnishment/Levy$50Within the typical range ($30–$90 nationally)
At the national medianAt the Michigan median
per item · Source

Retirement & IRAVerified

IRA Transfer to Another Institution Fee taken from savings account$30Within the typical range ($25–$35 nationally)
$5 above the national median$5 above the Michigan median
Source

Gift & Prepaid CardsVerified

Gift Card by Visa$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$0.98 below the Michigan median
per item · Source
Travel Money Card Reload$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$0.98 below the Michigan median
per item · Source

Other FeesVerified

Statement Copy / History Printout Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Michigan median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Select Checking with Interest Monthly service charge	$5Within the typical range ($4–$10 nationally)	$1 below the national median$1 below the Michigan median	per month	—	Source
Simply Better Checking Monthly service charge	$4Within the typical range ($4–$10 nationally)	$2 below the national median$2 below the Michigan median	per month	—	Source
Christmas Club Early Withdrawal (per occurrence)	$5Below the typical range ($10–$25 nationally)	$12.50 below the national median$5 below the Michigan median	per item	—	Source
Membership Savings Account (early closure)	$15Within the typical range ($10–$25 nationally)	$2.50 below the national median$5 above the Michigan median	—	—	Source
Account Research	$20Within the typical range ($11–$25 nationally)	$2.50 above the national medianAt the Michigan median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds Fee (per presentment)	$30Within the typical range ($25–$32 nationally)	At the national median$1 above the Michigan median	per item	—	Source
ATM & CardVerified
Non-Co-Op ATM Transactions Includes withdrawals and transfers	$1.95Within the typical range ($1–$2.25 nationally)	$0.45 above the national median$0.20 above the Michigan median	per item	—	Source
Card Replacement (Credit, Debit, and Travel Card)	$5
Wire TransfersVerified
Wire Transfer-Domestic Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Michigan median	per item	—	Source
Wire Transfer-International Outgoing	$40
Check ServicesVerified
Credit Union Corporate Check 1 free per month	$5Within the typical range ($3–$6 nationally)	At the national median$2 above the Michigan median	per item	—	Source
Money Order (each) 4 free per month	$2
Digital & ElectronicVerified
ACH Origination Return Fee	$30Within the typical range ($15–$30 nationally)	$5 above the national median$5 above the Michigan median	per item	—	Source
Account ServicesVerified
Garnishment/Levy	$50Within the typical range ($30–$90 nationally)	At the national medianAt the Michigan median	per item	—	Source
Retirement & IRAVerified
IRA Transfer to Another Institution Fee taken from savings account	$30Within the typical range ($25–$35 nationally)	$5 above the national median$5 above the Michigan median	—	—	Source
Gift & Prepaid CardsVerified
Gift Card by Visa	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$0.98 below the Michigan median	per item	—	Source
Travel Money Card Reload	$3
Other FeesVerified
Statement Copy / History Printout Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Michigan median	per item	—	Source

Fee change alerts

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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

22 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$455.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$455.4M

Total deposits

$373.3M

Service charge income (year to date)

$1.3M

Fee income ratio

9.1%

Return on assets

1.11%

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, enforcement actions, and SEC filings

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Based on 66,932 published fee entries from 3,619 institutions

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