Lake Michigan Federal Credit Union

Headquarters: Grand Rapids, Michigan
Charter: Credit Union
Assets: $17.3B
Fed district: Chicago

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

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Lake Michigan Federal Credit Union: $30
Lake Michigan Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Lake Michigan Federal Credit Union: $30
Lake Michigan Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Lake Michigan Federal Credit Union: $2
Lake Michigan Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Lake Michigan Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Investor Checking Account – Minimum Balance Fee (audience not stated, treated as personal)$10
per month
Account Closing (new account within 90 days) (audience not stated, treated as personal)$5
Account Closure Fee$5
Dormant Account (Charged after six months without account activity)$5
per month
Escheatment Fee$50
per item
Check Book Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour · | Check Book Balancing | $20.00/hr. |
Checking Account Balancing Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail Fee$5
per month

Overdraft & NSF

Courtesy Pay$30
per item
Non-Sufficient Funds (NSF)$30
per item

ATM & Card

Non-Proprietary ATM Fee$2
per item
Debit Card Replacement Fee$5
per item

Wire Transfers

Domestic Wire Transfer$25
per item
Domestic Wire Transfer$10
per item
## Wire Transfers: Domestic Incoming$10
per item
International Wire Transfer$50
per item
## Wire Transfers: International Incoming$15
per item

Check Services

Cashier’s Checks$5
per item
Money Orders$2
per item
Stop Payment Fee$30
Stop Payments (Single & Series)$30
per item
Check Cashing for Non-Members$5
per item
Check Copy Fee$2
per item

Digital & Electronic

Bill Pay (audience not stated, treated as personal)No charge
Bill Pay Fee$5.95
per month

Cash & Deposit

Returned Item Fee$10
per item

Account Services

Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$105
Safe Deposit Box 10 x 15 (audience not stated, treated as personal)$125
Safe Deposit Box 10x10 (audience not stated, treated as personal)$105
per year
Safe Deposit Box 10x15 (audience not stated, treated as personal)$125
per year
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 2x5 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3 x 10$45
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$35
Safe Deposit Box 3x10 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$65
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$45
Safe Deposit Box 5x10 (audience not stated, treated as personal)$65
per year
Safe Deposit Box 5x5 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)$85
Safe Deposit Box 7x10 (audience not stated, treated as personal)$85
per year
Garnishment/Levy$75
per item
Legal Processing Fee$75
per item

Retirement & IRA

IRA Transfer to Another Financial Institu$35
per item
IRA Transfer to Another Financial Institution$35

Gift & Prepaid Cards

4 Visa Gift Card$4.95

Other Fees

Statement Copies$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Investor Checking Account – Minimum Balance Fee (audience not stated, treated as personal)	$10	per month	None
Account Closing (new account within 90 days) (audience not stated, treated as personal)	$5	Not stated	None
Account Closure Fee	$5	Not stated	None
Dormant Account (Charged after six months without account activity)	$5	per month	None
Escheatment Fee	$50	per item	None
Check Book Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	\| Check Book Balancing \| $20.00/hr. \|
Checking Account Balancing Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail Fee	$5	per month	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
ATM & Card
Non-Proprietary ATM Fee	$2	per item	None
Debit Card Replacement Fee	$5	per item	None
Wire Transfers
Domestic Wire Transfer	$25	per item	None
Domestic Wire Transfer	$10	per item	None
## Wire Transfers: Domestic Incoming	$10	per item	None
International Wire Transfer	$50	per item	None
## Wire Transfers: International Incoming	$15	per item	None
Check Services
Cashier’s Checks	$5	per item	None
Money Orders	$2	per item	None
Stop Payment Fee	$30	Not stated	None
Stop Payments (Single & Series)	$30	per item	None
Check Cashing for Non-Members	$5	per item	None
Check Copy Fee	$2	per item	None
Digital & Electronic
Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None
Bill Pay Fee	$5.95	per month	None
Cash & Deposit
Returned Item Fee	$10	per item	None
Account Services
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$105	Not stated	None
Safe Deposit Box 10 x 15 (audience not stated, treated as personal)	$125	Not stated	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$105	per year	None
Safe Deposit Box 10x15 (audience not stated, treated as personal)	$125	per year	None
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 2x5 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3 x 10	$45	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$65	per year	None
Safe Deposit Box 5x5 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)	$85	Not stated	None
Safe Deposit Box 7x10 (audience not stated, treated as personal)	$85	per year	None
Garnishment/Levy	$75	per item	None
Legal Processing Fee	$75	per item	None
Retirement & IRA
IRA Transfer to Another Financial Institu	$35	per item	None
IRA Transfer to Another Financial Institution	$35	Not stated	None
Gift & Prepaid Cards
4 Visa Gift Card	$4.95	Not stated	None
Other Fees
Statement Copies	$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 1, 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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