Wmcu Federal Credit Union

Headquarters: Grand Rapids, Michigan
Charter: Credit Union
Assets: $455.4M
Fed district: Chicago

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Simply Better Checking $4 · Select Checking with Interest $5
Compared at $4.50, the middle of its prices
Wmcu Federal Credit Union: $4 to $5
Wmcu Federal Credit Union: $4 to $5
U.S. median: no median
NSF / Returned Item
Wmcu Federal Credit Union: $30
Wmcu Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Wmcu Federal Credit Union: $1.95
Wmcu Federal Credit Union: $1.95
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 Wmcu Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Select Checking with Interest Monthly service charge$5
per month
Simply Better Checking Monthly service charge (audience not stated, treated as personal)$4
per month
Membership Savings Account (early closure) If closed within 180 days$15
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $20.00/hour
Returned Mail$5

Overdraft & NSF

Non-Sufficient Funds Fee (per presentment)$30
per item

ATM & Card

Non-Co-Op ATM Transactions Includes withdrawals and transfers$1.95
per item
Card Replacement (Credit, Debit, and Travel Card)$5
Replacement Card Fee$5
per item

Wire Transfers

Wire Transfer-Domestic Outgoing$20
per item
Wire Transfer-International Outgoing$40
per item
Wire Transfer-International Incoming$12
per item

Check Services

Credit Union Corporate Check 1 free per month$5
per item
Money Order (each) 4 free per month$2
per item
Stop Payment Fee$30
per item
Check Copy$5

Digital & Electronic

ACH Origination Return Fee$30
per item

Account Services

Box Size: 10 x 10$110
Box Size: 3 x 10$65
Box Size: 3 x 5$45
Box Size: 5 x 10$90
Box Size: 6 x 5$65
Safe Deposit Box Size: 10 x 10 (audience not stated, treated as personal)$110
Safe Deposit Box Size: 3 x 10 (audience not stated, treated as personal)$65
Safe Deposit Box Size: 3 x 5 (audience not stated, treated as personal)$45
Safe Deposit Box Size: 5 x 10 (audience not stated, treated as personal)$90
Safe Deposit Box Size: 6 x 5 (audience not stated, treated as personal)$65
Garnishment/Levy$50
per item

Retirement & IRA

IRA Early Withdrawal (before 59.5 years old)$20
IRA Transfer to Another Institution Fee taken from savings account$30

Gift & Prepaid Cards

Gift Card by Visa$3
per item
Travel Money Card Reload$3
per item

Other Fees

Statement Copy / History Printout Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Select Checking with Interest Monthly service charge	$5	per month	None
Simply Better Checking Monthly service charge (audience not stated, treated as personal)	$4	per month	None
Membership Savings Account (early closure) If closed within 180 days	$15	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $20.00/hour
Returned Mail	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds Fee (per presentment)	$30	per item	None
ATM & Card
Non-Co-Op ATM Transactions Includes withdrawals and transfers	$1.95	per item	None
Card Replacement (Credit, Debit, and Travel Card)	$5	Not stated	None
Replacement Card Fee	$5	per item	None
Wire Transfers
Wire Transfer-Domestic Outgoing	$20	per item	None
Wire Transfer-International Outgoing	$40	per item	None
Wire Transfer-International Incoming	$12	per item	None
Check Services
Credit Union Corporate Check 1 free per month	$5	per item	None
Money Order (each) 4 free per month	$2	per item	None
Stop Payment Fee	$30	per item	None
Check Copy	$5	Not stated	None
Digital & Electronic
ACH Origination Return Fee	$30	per item	None
Account Services
Box Size: 10 x 10	$110	Not stated	None
Box Size: 3 x 10	$65	Not stated	None
Box Size: 3 x 5	$45	Not stated	None
Box Size: 5 x 10	$90	Not stated	None
Box Size: 6 x 5	$65	Not stated	None
Safe Deposit Box Size: 10 x 10 (audience not stated, treated as personal)	$110	Not stated	None
Safe Deposit Box Size: 3 x 10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box Size: 3 x 5 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box Size: 5 x 10 (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box Size: 6 x 5 (audience not stated, treated as personal)	$65	Not stated	None
Garnishment/Levy	$50	per item	None
Retirement & IRA
IRA Early Withdrawal (before 59.5 years old)	$20	Not stated	None
IRA Transfer to Another Institution Fee taken from savings account	$30	Not stated	None
Gift & Prepaid Cards
Gift Card by Visa	$3	per item	None
Travel Money Card Reload	$3	per item	None
Other Fees
Statement Copy / History Printout Fee	$5	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 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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