Big Island Federal Credit Union

Headquarters: Hilo, Hawaii
Charter: Credit Union
Assets: $194.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 20, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Big Island Federal Credit Union: $25
Big Island Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Big Island Federal Credit Union: $25
Big Island Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Big Island Federal Credit Union: $1
Big Island Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

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

Account Maintenance

Early Account Closure If account is closed within 180 days of opening$25
Dormant Account (after 2 years)$5
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation Fee | $25.00/hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25.00/hour

Overdraft & NSF

Courtesy Pay Fee$25
per item
Non-Sufficient Funds (NSF)$25

ATM & Card

ATM Transaction After the first 6 for the month (at foreign machines)$1
Plastic Card Replacement$10
per item
Plastic Card Rush (Debit)$95
per item
Foreign Transaction1%of the transaction

Wire Transfers

Wire Transfers: Outgoing$25
per item
Wire Transfers: Incoming$5
per item

Check Services

Teller Check$2
Teller Check 1 complimentary check per day/per member$2
Not compared: Daily charge, not per item
per day
ACH Stop Payment$10
Stop Payment$10
Teller Check Stop Payment$20
Collection Fee for Negative Share Accounts$25
Copy of Cancelled Check/Draft$5
per item
Share Draft Copy Fee$5
per item

Digital & Electronic

ACH/Share Draft/Debit Returned for: Incoming$5
per item
Bill Pay Overnight Fee$14.95
Not compared: Per-item charge, not monthly
per item
Bill Pay Same Day Fee$9.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Deposited Item Return$10

Account Services

Notary (non-members)$5
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$30
per year
Safe Deposit Box 6 x 10$50
per year
Safe Deposit Box 9 x 10$60
per year
Safe Deposit Box Late Payment Fee$5
Not compared: Monthly charge, not annual
per month
Garnishments$50
per item
Tax Levy$50
per item
Subpoenas$50
per item

Other Fees

Photocopies$0.05
Not compared: Charged per page; comparison unavailable
per page · Photocopies | $0.05/page
Statement Copy$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure If account is closed within 180 days of opening	$25	Not stated	None
Dormant Account (after 2 years)	$5	Not stated	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation Fee \| $25.00/hour
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25.00/hour
Overdraft & NSF
Courtesy Pay Fee	$25	per item	None
Non-Sufficient Funds (NSF)	$25	Not stated	None
ATM & Card
ATM Transaction After the first 6 for the month (at foreign machines)	$1	Not stated	None
Plastic Card Replacement	$10	per item	None
Plastic Card Rush (Debit)	$95	per item	None
Foreign Transaction	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$25	per item	None
Wire Transfers: Incoming	$5	per item	None
Check Services
Teller Check	$2	Not stated	None
Teller Check 1 complimentary check per day/per member	$2Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$10	Not stated	None
Stop Payment	$10	Not stated	None
Teller Check Stop Payment	$20	Not stated	None
Collection Fee for Negative Share Accounts	$25	Not stated	None
Copy of Cancelled Check/Draft	$5	per item	None
Share Draft Copy Fee	$5	per item	None
Digital & Electronic
ACH/Share Draft/Debit Returned for: Incoming	$5	per item	None
Bill Pay Overnight Fee	$14.95Not compared: Per-item charge, not monthly	per item	None
Bill Pay Same Day Fee	$9.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited Item Return	$10	Not stated	None
Account Services
Notary (non-members)	$5	Not stated	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$30	per year	None
Safe Deposit Box 6 x 10	$50	per year	None
Safe Deposit Box 9 x 10	$60	per year	None
Safe Deposit Box Late Payment Fee	$5Not compared: Monthly charge, not annual	per month	None
Garnishments	$50	per item	None
Tax Levy	$50	per item	None
Subpoenas	$50	per item	None
Other Fees
Photocopies	$0.05Not compared: Charged per page; comparison unavailable	per page	Photocopies \| $0.05/page
Statement Copy	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 20, 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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