True Community Federal Credit Union

Headquarters: Jackson, Michigan
Charter: Credit Union
Assets: $955.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
True Community Federal Credit Union: $30
True Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
True Community Federal Credit Union: $35
True Community Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
True Community Federal Credit Union: $3.50
True Community Federal Credit Union: $3.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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.

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Published fee schedule

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

Account Maintenance

Inactive Account Fee$5
per month
Reconcilement of Account$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5
per month
Returned Mail/Bad Address$5
per month

Overdraft & NSF

Overdraft$30
Non-Sufficient Funds (NSF)$35

ATM & Card

Out of Network ATM Fee$3.50
per transaction
Replacement Card & PIN$7

Check Services

Cashiers Check$5
Stop Payment - Cashiers Check$30
Stop Payment in Online Banking$25
per item
Stop Payment on ACH$30
Stop Payment on Check$30
Stop Payment Online Bill Pay$30
Copy of Statement/Draft/Check or Deposit per item/Transaction History$5
per item

Cash & Deposit

Returned Items$30

Account Services

Non-Member Notary Fee$10
10x10 Annual Fee$85
per year
15x10 Annual Fee$110
per year
3x10 Annual Fee$30
per year
3x5 Annual Fee$20
per year
5x10 Annual Fee$50
per year
5x5 Annual Fee$25
per year
Garnishment Fee$75
per item

Retirement & IRA

Individual Retirement Account (IRA) Annual Fee$40
per year

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee	$5	per month	None
Reconcilement of Account	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	per month	None
Returned Mail/Bad Address	$5	per month	None
Overdraft & NSF
Overdraft	$30	Not stated	None
Non-Sufficient Funds (NSF)	$35	Not stated	None
ATM & Card
Out of Network ATM Fee	$3.50	per transaction	None
Replacement Card & PIN	$7	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Stop Payment - Cashiers Check	$30	Not stated	None
Stop Payment in Online Banking	$25	per item	None
Stop Payment on ACH	$30	Not stated	None
Stop Payment on Check	$30	Not stated	None
Stop Payment Online Bill Pay	$30	Not stated	None
Copy of Statement/Draft/Check or Deposit per item/Transaction History	$5	per item	None
Cash & Deposit
Returned Items	$30	Not stated	None
Account Services
Non-Member Notary Fee	$10	Not stated	None
10x10 Annual Fee	$85	per year	None
15x10 Annual Fee	$110	per year	None
3x10 Annual Fee	$30	per year	None
3x5 Annual Fee	$20	per year	None
5x10 Annual Fee	$50	per year	None
5x5 Annual Fee	$25	per year	None
Garnishment Fee	$75	per item	None
Retirement & IRA
Individual Retirement Account (IRA) Annual Fee	$40	per year	None

Correct a fee source

Oct 12, 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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