Ellafi Federal Credit Union

Headquarters: Middletown, Connecticut
Charter: Credit Union
Assets: $178.1M
Fed district: Boston

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Overdraft (OD)
Ellafi Federal Credit Union: $35
Ellafi Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Ellafi Federal Credit Union: $39
Ellafi Federal Credit Union: $39
U.S. median: no median
Wire Transfer (Domestic Out)
Ellafi Federal Credit Union: $20
Ellafi Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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

Account Maintenance

All Money Market low balance fee$5
per month
Low Balance Fee$5.50
per month
Account Closure$10
Dormant$2.50
per month
Escheat$10
Inactive Home Banking$5.50
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$5
per month
Excess Withdrawal Fee$5.50
per item
Return Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay ATM$35
per item
Insufficient Funds (NSF)$39
per item
Sustained Overdraft (account overdrawn 15 business days)$25
Overdraft Transfer$12
per item

ATM & Card

Card Replacement$15

Wire Transfers

Wire Transfer Outgoing$20
per item
Wire Transfer Incoming$10
per item
Wire Transfer Foreign$40
per item

Check Services

Money Order$5
per item
Official Check Stop Payment$25
per item
Stop Payment$25
per item
Check Copy$5
per item
Official Check Copy$5
per item

Cash & Deposit

Deposited Item Return$25
per item

Account Services

Legal Process$50

Other Fees

Statement Copy$5
per item
Skip-A-Pay Fee$35
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
All Money Market low balance fee	$5	per month	None
Low Balance Fee	$5.50	per month	None
Account Closure	$10	Not stated	None
Dormant	$2.50	per month	None
Escheat	$10	Not stated	None
Inactive Home Banking	$5.50	per month	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$5	per month	None
Excess Withdrawal Fee	$5.50	per item	None
Return Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay ATM	$35	per item	None
Insufficient Funds (NSF)	$39	per item	None
Sustained Overdraft (account overdrawn 15 business days)	$25	Not stated	None
Overdraft Transfer	$12	per item	None
ATM & Card
Card Replacement	$15	Not stated	None
Wire Transfers
Wire Transfer Outgoing	$20	per item	None
Wire Transfer Incoming	$10	per item	None
Wire Transfer Foreign	$40	per item	None
Check Services
Money Order	$5	per item	None
Official Check Stop Payment	$25	per item	None
Stop Payment	$25	per item	None
Check Copy	$5	per item	None
Official Check Copy	$5	per item	None
Cash & Deposit
Deposited Item Return	$25	per item	None
Account Services
Legal Process	$50	Not stated	None
Other Fees
Statement Copy	$5	per item	None
Skip-A-Pay Fee	$35Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Feb 17, 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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