Efcu Financial Federal Credit Union

Headquarters: Baton Rouge, Louisiana
Charter: Credit Union
Assets: $1.3B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
Efcu Financial Federal Credit Union: $25
Efcu Financial Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Efcu Financial Federal Credit Union: $25
Efcu Financial Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Efcu Financial Federal Credit Union: $15
Efcu Financial Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta 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).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Efcu Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Membership, per month$5
per month
Incorrect Address/Returned Mail, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per item$25
per item
Overdraft Paid, per presentment (Check, Debit Card, or ACH debit) (audience not stated, treated as personal)$25
per item
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)$25
per item

ATM & Card

Plastic Card Replacement, per card$5
per item
Debit Card International Transaction1%of the transaction
per item
International Transaction1%of the transaction
per transaction

Wire Transfers

Wire Transfer – Domestic Outgoing, per wire$15
per item
Wire Transfer – International Outgoing, per wire$40
per item

Check Services

Cashier’s Check, per check$5
per item
Money Order, per item$2
per item
Cashier’s Check Stop Payment, per check$25
per item
Stop Payments: Order Placed, per order$5
per item
Stop Payments: Order Placed,per order (audience not stated, treated as personal)$5
per item
Check Cashing, per check$5
per item

Cash & Deposit

Deposited Item Return, per item$10
per item

Account Services

10 x 10 (First 3 withdrawals per month) (audience not stated, treated as personal)No charge
Not compared: Monthly charge, not annual
per month
10 x 10, per box$75
3 x 10, per box$30
3 x 5, per box$15
5 x 10, per box$45
5 x 5, per box$25
Drilling Fee & Replacement Lock (loss of key)$200
Not compared: Box drilling or key fee
Safe Deposit Box (audience not stated, treated as personal)$75

Other Fees

Consumer Loan Extension/Skip, per extension/skip$40

Fee	Amount	Basis	Note
Account Maintenance
Dormant Membership, per month	$5	per month	None
Incorrect Address/Returned Mail, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per item	$25	per item	None
Overdraft Paid, per presentment (Check, Debit Card, or ACH debit) (audience not stated, treated as personal)	$25	per item	None
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)	$25	per item	None
ATM & Card
Plastic Card Replacement, per card	$5	per item	None
Debit Card International Transaction	1%of the transaction	per item	None
International Transaction	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer – Domestic Outgoing, per wire	$15	per item	None
Wire Transfer – International Outgoing, per wire	$40	per item	None
Check Services
Cashier’s Check, per check	$5	per item	None
Money Order, per item	$2	per item	None
Cashier’s Check Stop Payment, per check	$25	per item	None
Stop Payments: Order Placed, per order	$5	per item	None
Stop Payments: Order Placed,per order (audience not stated, treated as personal)	$5	per item	None
Check Cashing, per check	$5	per item	None
Cash & Deposit
Deposited Item Return, per item	$10	per item	None
Account Services
10 x 10 (First 3 withdrawals per month) (audience not stated, treated as personal)	No chargeNot compared: Monthly charge, not annual	per month	None
10 x 10, per box	$75	Not stated	None
3 x 10, per box	$30	Not stated	None
3 x 5, per box	$15	Not stated	None
5 x 10, per box	$45	Not stated	None
5 x 5, per box	$25	Not stated	None
Drilling Fee & Replacement Lock (loss of key)	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box (audience not stated, treated as personal)	$75	Not stated	None
Other Fees
Consumer Loan Extension/Skip, per extension/skip	$40	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Membership, per month$5
per month
Incorrect Address/Returned Mail, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per item$25
per item
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)$25
per item

ATM & Card

Plastic Card Replacement, per card$5
per item
Debit Card International Transaction1%of the transaction
per item
International Transaction1%of the transaction
per transaction

Wire Transfers

Wire Transfer – Domestic Outgoing, per wire$15
per item
Wire Transfer – International Outgoing, per wire$40
per item

Check Services

Cashier’s Check, per check$5
per item
Money Order, per item$2
per item
Cashier’s Check Stop Payment, per check$25
per item
Stop Payments: Order Placed, per order$5
per item
Check Cashing, per check$5
per item

Cash & Deposit

Deposited Item Return, per item$10
per item

Account Services

10 x 10, per box$75
3 x 10, per box$30
3 x 5, per box$15
5 x 10, per box$45
5 x 5, per box$25
Drilling Fee & Replacement Lock (loss of key)$200
Not compared: Box drilling or key fee
Safe Deposit Box$200
Not compared: Box drilling or key fee
SHARE/SAVINGS ACCOUNT FEES | 5 x 10, per box$45

Fee	Amount	Basis	Note
Account Maintenance
Dormant Membership, per month	$5	per month	None
Incorrect Address/Returned Mail, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per item	$25	per item	None
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)	$25	per item	None
ATM & Card
Plastic Card Replacement, per card	$5	per item	None
Debit Card International Transaction	1%of the transaction	per item	None
International Transaction	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer – Domestic Outgoing, per wire	$15	per item	None
Wire Transfer – International Outgoing, per wire	$40	per item	None
Check Services
Cashier’s Check, per check	$5	per item	None
Money Order, per item	$2	per item	None
Cashier’s Check Stop Payment, per check	$25	per item	None
Stop Payments: Order Placed, per order	$5	per item	None
Check Cashing, per check	$5	per item	None
Cash & Deposit
Deposited Item Return, per item	$10	per item	None
Account Services
10 x 10, per box	$75	Not stated	None
3 x 10, per box	$30	Not stated	None
3 x 5, per box	$15	Not stated	None
5 x 10, per box	$45	Not stated	None
5 x 5, per box	$25	Not stated	None
Drilling Fee & Replacement Lock (loss of key)	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$200Not compared: Box drilling or key fee	Not stated	None
SHARE/SAVINGS ACCOUNT FEES \| 5 x 10, per box	$45	Not stated	None

Correct a fee source

Oct 15, 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

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Fees against the market

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

Overdraft (OD)
Efcu Financial Federal Credit Union: $25
Efcu Financial Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Efcu Financial Federal Credit Union: $25
Efcu Financial Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Efcu Financial Federal Credit Union: $15
Efcu Financial Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta 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).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Published fee schedule

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

Account Maintenance

Dormant Membership, per month$5
per month
Incorrect Address/Returned Mail, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per item$25
per item
Overdraft Paid, per presentment (Check, Debit Card, or ACH debit) (audience not stated, treated as personal)$25
per item
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)$25
per item

ATM & Card

Plastic Card Replacement, per card$5
per item
Debit Card International Transaction1%of the transaction
per item
International Transaction1%of the transaction
per transaction

Wire Transfers

Wire Transfer – Domestic Outgoing, per wire$15
per item
Wire Transfer – International Outgoing, per wire$40
per item

Check Services

Cashier’s Check, per check$5
per item
Money Order, per item$2
per item
Cashier’s Check Stop Payment, per check$25
per item
Stop Payments: Order Placed, per order$5
per item
Stop Payments: Order Placed,per order (audience not stated, treated as personal)$5
per item
Check Cashing, per check$5
per item

Cash & Deposit

Deposited Item Return, per item$10
per item

Account Services

10 x 10 (First 3 withdrawals per month) (audience not stated, treated as personal)No charge
Not compared: Monthly charge, not annual
per month
10 x 10, per box$75
3 x 10, per box$30
3 x 5, per box$15
5 x 10, per box$45
5 x 5, per box$25
Drilling Fee & Replacement Lock (loss of key)$200
Not compared: Box drilling or key fee
Safe Deposit Box (audience not stated, treated as personal)$75

Other Fees

Consumer Loan Extension/Skip, per extension/skip$40

Fee	Amount	Basis	Note
Account Maintenance
Dormant Membership, per month	$5	per month	None
Incorrect Address/Returned Mail, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per item	$25	per item	None
Overdraft Paid, per presentment (Check, Debit Card, or ACH debit) (audience not stated, treated as personal)	$25	per item	None
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)	$25	per item	None
ATM & Card
Plastic Card Replacement, per card	$5	per item	None
Debit Card International Transaction	1%of the transaction	per item	None
International Transaction	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer – Domestic Outgoing, per wire	$15	per item	None
Wire Transfer – International Outgoing, per wire	$40	per item	None
Check Services
Cashier’s Check, per check	$5	per item	None
Money Order, per item	$2	per item	None
Cashier’s Check Stop Payment, per check	$25	per item	None
Stop Payments: Order Placed, per order	$5	per item	None
Stop Payments: Order Placed,per order (audience not stated, treated as personal)	$5	per item	None
Check Cashing, per check	$5	per item	None
Cash & Deposit
Deposited Item Return, per item	$10	per item	None
Account Services
10 x 10 (First 3 withdrawals per month) (audience not stated, treated as personal)	No chargeNot compared: Monthly charge, not annual	per month	None
10 x 10, per box	$75	Not stated	None
3 x 10, per box	$30	Not stated	None
3 x 5, per box	$15	Not stated	None
5 x 10, per box	$45	Not stated	None
5 x 5, per box	$25	Not stated	None
Drilling Fee & Replacement Lock (loss of key)	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box (audience not stated, treated as personal)	$75	Not stated	None
Other Fees
Consumer Loan Extension/Skip, per extension/skip	$40	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Membership, per month$5
per month
Incorrect Address/Returned Mail, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per item$25
per item
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)$25
per item

ATM & Card

Plastic Card Replacement, per card$5
per item
Debit Card International Transaction1%of the transaction
per item
International Transaction1%of the transaction
per transaction

Wire Transfers

Wire Transfer – Domestic Outgoing, per wire$15
per item
Wire Transfer – International Outgoing, per wire$40
per item

Check Services

Cashier’s Check, per check$5
per item
Money Order, per item$2
per item
Cashier’s Check Stop Payment, per check$25
per item
Stop Payments: Order Placed, per order$5
per item
Check Cashing, per check$5
per item

Cash & Deposit

Deposited Item Return, per item$10
per item

Account Services

10 x 10, per box$75
3 x 10, per box$30
3 x 5, per box$15
5 x 10, per box$45
5 x 5, per box$25
Drilling Fee & Replacement Lock (loss of key)$200
Not compared: Box drilling or key fee
Safe Deposit Box$200
Not compared: Box drilling or key fee
SHARE/SAVINGS ACCOUNT FEES | 5 x 10, per box$45

Fee	Amount	Basis	Note
Account Maintenance
Dormant Membership, per month	$5	per month	None
Incorrect Address/Returned Mail, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per item	$25	per item	None
Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit)	$25	per item	None
ATM & Card
Plastic Card Replacement, per card	$5	per item	None
Debit Card International Transaction	1%of the transaction	per item	None
International Transaction	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer – Domestic Outgoing, per wire	$15	per item	None
Wire Transfer – International Outgoing, per wire	$40	per item	None
Check Services
Cashier’s Check, per check	$5	per item	None
Money Order, per item	$2	per item	None
Cashier’s Check Stop Payment, per check	$25	per item	None
Stop Payments: Order Placed, per order	$5	per item	None
Check Cashing, per check	$5	per item	None
Cash & Deposit
Deposited Item Return, per item	$10	per item	None
Account Services
10 x 10, per box	$75	Not stated	None
3 x 10, per box	$30	Not stated	None
3 x 5, per box	$15	Not stated	None
5 x 10, per box	$45	Not stated	None
5 x 5, per box	$25	Not stated	None
Drilling Fee & Replacement Lock (loss of key)	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$200Not compared: Box drilling or key fee	Not stated	None
SHARE/SAVINGS ACCOUNT FEES \| 5 x 10, per box	$45	Not stated	None

Correct a fee source

Oct 15, 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.