Members First Credit Union
Members First Credit Union

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At Members First Credit Union, we feel that it is important to provide the highest quality of products and services without the extravagant cost. There are a few small fees that are in effect to protect the interest of the entire membership.

Rates and terms subject to change.  Accurate as of February 28, 2014.

ATM / Master Money™ Debit Cards
FREE ATM Withdrawals (at Members First Credit Union ATMs or any CO-OP network ATM)
$5.00 Card Replacement
$5.00 PIN Replacement
FREE ATM Balance Inquiry
FREE Overdraft Transfer from Savings to Checking
FREE Line of Credit Advance (daily interest will apply)
$27.00 Member Privilege fee, per item cleared


Convenient Cards & Checks
$3.00 VISA Gift Card
$7.00 Travel Card
$2.00 Money Order
$2.00 Cashier's Check

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VISA® Credit Cards
$5.00 Card Replacement
$25.00 Late Payment Fee
$25.00 Returned Check Fee
FREE Cash Advance (MFCU VISA)
$10.00 Cash Advance (Non - MFCU VISA®)
$15.00 VISA Payment immediate credit, via phone with MFCU staff
FREE VISA Payment, made in person, mailed in, or through Online Banking


$10.00 Returned Deposit
2% of total coins received Coin Counting (no charge for Kid's Club or Student Club members or for coin amounts less than $50.00)
$15.00 Signature Guarantee
$50.00 Garnishment/Levies/Escheats Fee


Overdraft Fees
$27.00 Insufficient Funds Fee
$27.00 Stop Payment
FREE Overdraft Transfer From Savings or Checking


Wire Transfers
$15.00 Domestic
$35.00 International


Online Services  
FREE Online Banking
FREE Online Bill Pay and Bill Presentment
FREE eStatements


Inactive / Dormant Account Fees
If an account has been inactive after a period of two years, the credit union will charge a $5.00 monthly fee until such time as the account is reactivated by the member, the balance drops to zero, or the balance of the account is escheated to the State of Michigan.


Safe Deposit Box Annual Rental and Fees
It is important to note that the credit union is a lessor, not insurer, and shall in no event be liable for any loss from a safe deposit box.
$20.00 3 x 5 x 24 (available only at Dartmouth)
$30.00 5x 5 x 24 (available only at Dartmouth)
$36.00 3 x 10 x 24
$48.00 5 x 10 x 24
$84.00 10 x 10 x 24
$20.00 Duplicate Key
Actual Cost Lost Keys (box re-drilling or re-keying)
Prorated Early Closing Fee


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Members First Credit Union | P.O. Box 2165 | Midland, MI 48641
Phone 855-835-MFCU (6328) |

Federally insured by NCUA.
We do business in accordance with the Fair Housing Law.