Jolt Federal Credit Union

Headquarters: Saginaw, Michigan
Charter: Credit Union
Assets: $483.8M
Fed district: Chicago

21 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.

Monthly Maintenance
Opportunity Checking Account
Jolt Federal Credit Union: $10
Jolt Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Jolt Federal Credit Union: $30
Jolt Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Jolt Federal Credit Union: $30
Jolt Federal Credit Union: $30
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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Jolt Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Opportunity Checking Account Monthly service charge (audience not stated, treated as personal)$10
per month
Closed Account within first 12 months$10
Escheatment Processing$50
Inactive Account$10
per month
Account Research / Checkbook Reconciliation$50
Not compared: Charged per hour; comparison unavailable
per hour · Account Research / Checkbook Reconciliation | $50.00 per hour
ATM Adjustment$5
Returned Statement due to Bad Address$3
per month

Overdraft & NSF

Courtesy Overdraft$30
per item
Non-Sufficient Funds$30
Returned Check/Payment$30

ATM & Card

Foreign ATM Balance Inquiry$1
per item
Foreign ATM Withdrawal$1
per item
Plastic Card Replacement – 1 free$5
Expedited Shipping$25

Wire Transfers

Wires – Outbound Domestic$20
Wires – Outbound International$75

Check Services

Corporate Check$1
Corporate Check Stop Payment$5
Stop Payment Order$30
Non-Member Check Cashing$5
Check Copy$2
per item
Corporate Check Copy$5

Account Services

Garnishment / Tax Levy Processing$50

Lending Fees

Visa Card – Maximum Late Payment$25
Processing fee$35
one time
Processing fee (auto loans) (audience not stated, treated as personal)$35
one time

Retirement & IRA

IRA Transfer – Outbound$25
per item

Other Fees

Processing fee (auto loans) (audience not stated, treated as personal)$35
one time

Fee	Amount	Basis	Note
Account Maintenance
Opportunity Checking Account Monthly service charge (audience not stated, treated as personal)	$10	per month	None
Closed Account within first 12 months	$10	Not stated	None
Escheatment Processing	$50	Not stated	None
Inactive Account	$10	per month	None
Account Research / Checkbook Reconciliation	$50Not compared: Charged per hour; comparison unavailable	per hour	Account Research / Checkbook Reconciliation \| $50.00 per hour
ATM Adjustment	$5	Not stated	None
Returned Statement due to Bad Address	$3	per month	None
Overdraft & NSF
Courtesy Overdraft	$30	per item	None
Non-Sufficient Funds	$30	Not stated	None
Returned Check/Payment	$30	Not stated	None
ATM & Card
Foreign ATM Balance Inquiry	$1	per item	None
Foreign ATM Withdrawal	$1	per item	None
Plastic Card Replacement – 1 free	$5	Not stated	None
Expedited Shipping	$25	Not stated	None
Wire Transfers
Wires – Outbound Domestic	$20	Not stated	None
Wires – Outbound International	$75	Not stated	None
Check Services
Corporate Check	$1	Not stated	None
Corporate Check Stop Payment	$5	Not stated	None
Stop Payment Order	$30	Not stated	None
Non-Member Check Cashing	$5	Not stated	None
Check Copy	$2	per item	None
Corporate Check Copy	$5	Not stated	None
Account Services
Garnishment / Tax Levy Processing	$50	Not stated	None
Lending Fees
Visa Card – Maximum Late Payment	$25	Not stated	None
Processing fee	$35	one time	None
Processing fee (auto loans) (audience not stated, treated as personal)	$35	one time	None
Retirement & IRA
IRA Transfer – Outbound	$25	per item	None
Other Fees
Processing fee (auto loans) (audience not stated, treated as personal)	$35	one time	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.

Fee change alerts

Get an email when Jolt Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.