ACH Courtesy Pay$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Returned Draft – NSF (each) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source

ATM & CardVerified

Replacement Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source

Check ServicesVerified

Check Cashing (Non-Members)$5Within the typical range ($5–$10 nationally)
At the national median
Source
Copies of Drafts$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Stop Payment (range of drafts) 30.00$30Within the typical range ($20–$30 nationally)
$3 above the national median
Source

Digital & ElectronicVerified

ACH Origination Fee$7.95Within the typical range ($5–$20 nationally)
$2.05 below the national median
Source
Bill Payment Incorrect Bad Address$25Above the typical range ($0–$10 nationally)
$20.05 above the national median
Source

Account ServicesVerified

Garnish/Levy$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source
Notary Service (per act) (Members)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source
Notary Service (per act) (Non-Members)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median
Source
Subordination On Home Loans$250Above the typical range ($50–$150 nationally)
$150 above the national median
Source

Lending FeesVerified

Late Charge – Delinquent Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$35Above the typical range ($13.50–$25 nationally)
$15 above the national median
Source

Retirement & IRAVerified

IRA Transfer to Another Financial Institution$25Within the typical range ($25–$35 nationally)
At the national median
Source

Other FeesVerified

Quick Cash Loan Application Fee$40Above the typical range ($22.50–$35 nationally)
$10 above the national median
Source
Statement Copies (per statement)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Below Minimum Balance Fee (Account Below )	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	Source
Freedom Checking Monthly Fee	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	per month	—	Source
Inactive Accounts (per month)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Paper Statement Fee	$3Within the typical range ($2–$4.50 nationally)	At the national median	—	—	Source
Research Fee (Per hour or any part thereof, for non-members)	$60Above the typical range ($20–$25 nationally)	$35 above the national median	—	—	Source
Research Fee (Per hour or any part thereof)	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
ACH Courtesy Pay	$35Above the typical range ($25–$32 nationally)	$5 above the national median	—	—	Source
Returned Draft – NSF (each) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$35
ATM & CardVerified
Replacement Card	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Check ServicesVerified
Check Cashing (Non-Members)	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Copies of Drafts	$5
Digital & ElectronicVerified
ACH Origination Fee	$7.95Within the typical range ($5–$20 nationally)	$2.05 below the national median	—	—	Source
Bill Payment Incorrect Bad Address	$25
Account ServicesVerified
Garnish/Levy	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	—	Source
Notary Service (per act) (Members)	$0
Lending FeesVerified
Late Charge – Delinquent Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$35Above the typical range ($13.50–$25 nationally)	$15 above the national median	—	—	Source
Retirement & IRAVerified
IRA Transfer to Another Financial Institution	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Quick Cash Loan Application Fee	$40Above the typical range ($22.50–$35 nationally)	$10 above the national median	—	—	Source
Statement Copies (per statement)	$5

Fee change alerts

Get an email when Miami Postal Service Federal Credit Union changes a fee

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

Work at Miami Postal Service Federal Credit Union? Request a report against local competitors

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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$184.3M

Work at Miami Postal Service 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. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$184.3M

Total deposits

$164.7M

Service charge income (year to date)

$683K

Fee income ratio

12.7%

Return on assets

0.16%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 39,598 published fee entries from 2,761 institutions

See pricing