Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

The Local Federal Credit Union

Sterling Height, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive for 3 months$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee or Unpaid Item$30Within the typical range ($25–$33 nationally)
At the national median$1 above the Michigan median
Source
Non-Sufficient Funds/Returned Item-Unpaid/Overdrawn$30Within the typical range ($25–$32 nationally)
At the national median$1 above the Michigan median
Source

Wire TransfersVerified

Wire Transfer Out / Wire Transfer In$25Within the typical range ($20–$25 nationally)
At the national medianAt the Michigan median
per item · Source
Foreign Wire Transfer Out / Foreign Wire Transfer In$45Within the typical range ($40–$50 nationally)
$5 below the national medianAt the Michigan median
Source

Check ServicesVerified

Stop Payment$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3 above the Michigan median
Source
Temporary Checks$2Within the typical range ($1–$4 nationally)
At the national medianAt the Michigan median
varies · Per page · Institution’s schedule
Check Cashing$3Below the typical range ($5–$10 nationally)
$2 below the national median$2 below the Michigan median
Source
Copy of Check$3Within the typical range ($2–$5 nationally)
At the national median$0.50 below the Michigan median
Source

Account ServicesVerified

Legal Services (Garnishment, Tax Levy, Injunctions, etc.)$50Within the typical range ($30–$90 nationally)
At the national medianAt the Michigan median
Source
Account Verification Verify Deposit$10Within the typical range ($5–$15 nationally)
At the national medianAt the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Inactive for 3 months	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Michigan median	per month	—	Source
Inactive/Dormant Account	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Michigan median	per month	—	Source
Balancing Account/Research Fee	$25Within the typical range ($11–$25 nationally)	$7.50 above the national median$6.25 above the Michigan median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee or Unpaid Item	$30Within the typical range ($25–$33 nationally)	At the national median$1 above the Michigan median	—	—	Source
Non-Sufficient Funds/Returned Item-Unpaid/Overdrawn	$30
ATM & CardVerified
Replacement Card (ATM/Debit Card or VISA)	$5Within the typical range ($5–$10 nationally)	$5 below the national median$2.50 below the Michigan median	—	—	Source
Wire TransfersVerified
Wire Transfer Out / Wire Transfer In	$25Within the typical range ($20–$25 nationally)	At the national medianAt the Michigan median	per item	—	Source
Foreign Wire Transfer Out / Foreign Wire Transfer In	$45
Check ServicesVerified
Stop Payment	$30Within the typical range ($20–$30 nationally)	$2.50 above the national median$3 above the Michigan median	—	—	Source
Temporary Checks	$2
Digital & ElectronicVerified
ACH Origination Transfer	$3Below the typical range ($5–$20 nationally)	$7 below the national median$9.50 below the Michigan median	—	—	Source
Account ServicesVerified
Legal Services (Garnishment, Tax Levy, Injunctions, etc.)	$50Within the typical range ($30–$90 nationally)	At the national medianAt the Michigan median	—	—	Source
Account Verification Verify Deposit	$10
Other FeesVerified
Replacement Statement Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median$1 below the Michigan median	per item	—	Source

Fee change alerts

Get an email when The Local Federal Credit Union changes its collection items

One email when a verified fee you follow changes. Nothing else unless you ask for it.

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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

16 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$106.6M

Work at The Local Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. From $300: we reply within one business day with scope and price.

Request the report

Paid report from $300 · quote within 1 business day

Correct or add a fee source

Fee Insight Pro

Need this every month, for your whole team?

Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.

See Pro plans

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$106.6M

Total deposits

$89.9M

Service charge income (year to date)

$436K

Fee income ratio

13.3%

Return on assets

1.35%

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

Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 66,668 published fee entries from 3,619 institutions

See pricing