So we cut our overdraft fee from $32 to 99¢. In the first year alone, that put $3.9 million back in our members' pockets. Imagine what it could do for you.
Comparison based on the published fee schedules of three of Michigan's largest credit unions and four of the largest national banks, as of 10/13/2026. Fees, grace amounts, and daily limits vary. *Overdraft Protection requires opt-in and eligibility; new members do not automatically qualify.
Plenty of banks and credit unions say they put people first. Yet many still make a profit off the backs of the members who can least afford it, with overdraft fees of $30 or more. That never sat right with us.
So on January 27, 2025, our overdraft and non-sufficient funds fees both dropped to 99¢. Because we believe a credit union should help build stable communities, not profit from people's hard times.
That's what overdraft fees used to cost our members in a single year. Now that money stays in their pockets, for things like groceries, gas, or even rent. Helping your paycheck stretch a little further and making high overdraft fees a thing of the past.
Every decision we make starts with one simple question: is this good for our members? It's the question behind 99¢. And it's the same question we ask every time you need us, whether you're just getting started, buying a home, or planning for retirement. Wherever you are in life, that question comes first.
Sound like the credit union for you?
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*A member must repay or cover an overdraft within 35 days or Overdraft Tolerance will be suspended until the account is brought to a current or positive balance. The fee for payment on each overdraft is $0.99. The credit union may pay for an overdraft created by check or electronic means if a member has opted into Debit Card Overdraft (Reg E) and qualifies for Overdraft Tolerance. Overdraft protection is available to individual consumer accounts only. Restrictions apply. Federally insured by NCUA.
