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, $1B to $10B

Kellogg Community Federal Credit Union

Battle Creek, MichiganCredit UnionChicago Fed districtFees collected Oct 8, 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

Basic Checking Monthly service charge$10Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Paid NSF Fee$30Within the typical range ($25–$33 nationally)
At the national median$1 above the Michigan median
per item · Source
NSF Fee$30Within the typical range ($25–$32 nationally)
At the national median$1 above the Michigan median
per item · Source
Overdraft Protection Transfer Fee$5Within the typical range ($2.50–$5 nationally)
At the national median$1.50 above the Michigan median
per item · Source

ATM & CardVerified

ATM Inquires (Foreign) Fee$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.85 below the Michigan median
per item · Source
Non KCCU ATM Transaction Fee$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.85 below the Michigan median
per transaction · Source
Replacement Card Fee$10Within the typical range ($5–$10 nationally)
At the national median$2.50 above the Michigan median
per item · Source

Wire TransfersVerified

Wire Transfer (incoming) Fee$15Within the typical range ($5–$15 nationally)
$5 above the national median$10 above the Michigan median
per item · Source
Wire Transfer (outgoing) International Fee$50Within the typical range ($40–$50 nationally)
At the national median$5 above the Michigan median
per item · Source

Check ServicesVerified

Cashier Check Fee$5Within the typical range ($3–$6 nationally)
At the national median$2 above the Michigan median
per item · Source
Money Order Fee$3Within the typical range ($1.50–$3 nationally)
$1 above the national median$1 above the Michigan median
per item · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$3 above the Michigan median
per item · Source
Check Cashing Fee - Member$5Within the typical range ($5–$10 nationally)
At the national medianAt the Michigan median
per item · Source
Check Cashing Fee - Non- Member$10Within the typical range ($5–$10 nationally)
$5 above the national median$5 above the Michigan median
per item · Source
Check Copies$5Within the typical range ($2–$5 nationally)
$2 above the national median$1.50 above the Michigan median
per item · Source

Cash & DepositVerified

Deposited Item Return Fee$30Above the typical range ($8–$25 nationally)
$15 above the national median$15 above the Michigan median
per item · Source
Night Depository Processing Fee$2Below the typical range ($5–$20 nationally)
$8 below the national median$13 below the Michigan median
per item · Source

Account ServicesVerified

Notary Fee (non-members)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median$5 above the Michigan median
per item · Source
Safe Deposit Box 10"x 10"$110Above the typical range ($30–$70 nationally)
$65 above the national median$61 above the Michigan median
per year · Source
Safe Deposit Box 3"x 10"$50Within the typical range ($30–$70 nationally)
$5 above the national median$1 above the Michigan median
per year · Source
Safe Deposit Box 3"x 5"$40Within the typical range ($30–$70 nationally)
$5 below the national median$9 below the Michigan median
per year · Source
Safe Deposit Box 5"x 10"$70Within the typical range ($30–$70 nationally)
$25 above the national median$21 above the Michigan median
per year · Source
Levy/Garnishment$75Within the typical range ($30–$90 nationally)
$25 above the national median$25 above the Michigan median
Source

Other FeesVerified

Overnight Mail Fee$40Within the typical range ($20–$40 nationally)
$10 above the national medianAt the Michigan median
per item · Source
Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Michigan median
per item · Source
Skip-a-Payment$40Within the typical range ($25–$100 nationally)
$2.50 above the national median$1.25 below the Michigan median
per item · Source
Subordination$250Above the typical range ($25–$100 nationally)
$212.50 above the national median$208.75 above the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Basic Checking Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3.75 above the Michigan median	per month	—	Source
Money Market Checking (balance under $5,000.00)	$6Within the typical range ($5–$10 nationally)	$1 below the national median$1 above the Michigan median	per month	—	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Michigan median	per month	—	Source
Account Research/Reconciliation Fee	$30Above the typical range ($11–$25 nationally)	$12.50 above the national median$11.25 above the Michigan median	—	—	Source
Paper Statements	$3Within the typical range ($2–$4.88 nationally)	At the national median$0.50 above the Michigan median	—	—	Source
Overdraft & NSFVerified
Paid NSF Fee	$30Within the typical range ($25–$33 nationally)	At the national median$1 above the Michigan median	per item	—	Source
NSF Fee	$30
ATM & CardVerified
ATM Inquires (Foreign) Fee	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.85 below the Michigan median	per item	—	Source
Non KCCU ATM Transaction Fee	$1
Wire TransfersVerified
Wire Transfer (incoming) Fee	$15Within the typical range ($5–$15 nationally)	$5 above the national median$10 above the Michigan median	per item	—	Source
Wire Transfer (outgoing) International Fee	$50
Check ServicesVerified
Cashier Check Fee	$5Within the typical range ($3–$6 nationally)	At the national median$2 above the Michigan median	per item	—	Source
Money Order Fee	$3
Cash & DepositVerified
Deposited Item Return Fee	$30Above the typical range ($8–$25 nationally)	$15 above the national median$15 above the Michigan median	per item	—	Source
Night Depository Processing Fee	$2
Account ServicesVerified
Notary Fee (non-members)	$10Above the typical range ($0–$5 nationally)	$7.50 above the national median$5 above the Michigan median	per item	—	Source
Safe Deposit Box 10"x 10"	$110
Retirement & IRAVerified
IRA Closing Fee	$25Within the typical range ($25–$35 nationally)	At the national medianAt the Michigan median	—	—	Source
Other FeesVerified
Overnight Mail Fee	$40Within the typical range ($20–$40 nationally)	$10 above the national medianAt the Michigan median	per item	—	Source
Statement Copy Fee	$5

Against Michigan credit unions

Overdraft
$30.00
Of 78 others that publish it, 44 lower, 23 the same and 11 higher.
Monthly maintenance
$10.00
Of 28 others that publish it, 22 lower, 5 the same and 1 higher.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.0B

Total deposits

$846.8M

Service charge income (year to date)

$2.6M

Fee income ratio

8.0%

Return on assets

1.44%

Financial profile · Pro

Performance from regulator filings

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Based on 66,435 published fee entries from 3,614 institutions

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