Miami Postal Service Federal Credit Union

Headquarters: Miami, Florida
Charter: Credit Union
Assets: $184.3M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
Freedom Checking
Miami Postal Service Federal Credit Union: $10
Miami Postal Service Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Miami Postal Service Federal Credit Union: $5 to $35
Miami Postal Service Federal Credit Union: $5 to $35
U.S. median: no median
NSF / Returned Item
Miami Postal Service Federal Credit Union: $35
Miami Postal Service Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Miami Postal Service Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Freedom Checking Monthly Fee$10
per month
Below Minimum Balance Fee (Account Below $5.00)$5
Account Closing Fee$30
Inactive Accounts (per month)$10
per month
Research Fee (Per hour or any part thereof, for non-members)$60
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee (Per hour or any part thereof)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Returned Statement Mail (incorrect Address)$3

Overdraft & NSF

ACH Courtesy Pay$35
ACH Overdraft$5
Bill Payer Courtesy Pay$35
Visa Debit Card POS – Courtesy Pay$35
Bill Payer – NSF$35
Returned Check Card Transaction NSF$35
Returned Draft – NSF (each)$35
per item

ATM & Card

Replacement Card$15
Foreign Transaction Fee (audience not stated, treated as personal)2%of the transaction

Check Services

Stop Payment (range of drafts) 30.00$30
Check Cashing (Non-Members)$5
Bill Payer Check Copy$5
Copies of Drafts$5

Digital & Electronic

ACH Origination Fee$7.95
ACH Return – NSF$35
Bill Payment Incorrect Bad Address$25

Account Services

Closing on Home Loans/Notary$250
Notary Service (per act) (Members)No charge
Notary Service (per act) (Non-Members)$10
Garnish/Levy$75
Subordination On Home Loans$250

Lending Fees

Late Charge – Delinquent Loan$35

Retirement & IRA

IRA Transfer to Another Financial Institution$25

Gift & Prepaid Cards

Visa Gift Card$3

Other Fees

Photocopies per page$0.25
Statement Copies (per statement)$5
Quick Cash Loan Application Fee$40

Fee	Amount	Basis	Note
Account Maintenance
Freedom Checking Monthly Fee	$10	per month	None
Below Minimum Balance Fee (Account Below $5.00)	$5	Not stated	None
Account Closing Fee	$30	Not stated	None
Inactive Accounts (per month)	$10	per month	None
Research Fee (Per hour or any part thereof, for non-members)	$60Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee (Per hour or any part thereof)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Returned Statement Mail (incorrect Address)	$3	Not stated	None
Overdraft & NSF
ACH Courtesy Pay	$35	Not stated	None
ACH Overdraft	$5	Not stated	None
Bill Payer Courtesy Pay	$35	Not stated	None
Visa Debit Card POS – Courtesy Pay	$35	Not stated	None
Bill Payer – NSF	$35	Not stated	None
Returned Check Card Transaction NSF	$35	Not stated	None
Returned Draft – NSF (each)	$35	per item	None
ATM & Card
Replacement Card	$15	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Check Services
Stop Payment (range of drafts) 30.00	$30	Not stated	None
Check Cashing (Non-Members)	$5	Not stated	None
Bill Payer Check Copy	$5	Not stated	None
Copies of Drafts	$5	Not stated	None
Digital & Electronic
ACH Origination Fee	$7.95	Not stated	None
ACH Return – NSF	$35	Not stated	None
Bill Payment Incorrect Bad Address	$25	Not stated	None
Account Services
Closing on Home Loans/Notary	$250	Not stated	None
Notary Service (per act) (Members)	No charge	Not stated	None
Notary Service (per act) (Non-Members)	$10	Not stated	None
Garnish/Levy	$75	Not stated	None
Subordination On Home Loans	$250	Not stated	None
Lending Fees
Late Charge – Delinquent Loan	$35	Not stated	None
Retirement & IRA
IRA Transfer to Another Financial Institution	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	Not stated	None
Other Fees
Photocopies per page	$0.25	Not stated	None
Statement Copies (per statement)	$5	Not stated	None
Quick Cash Loan Application Fee	$40	Not stated	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

Oct 5, 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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