Hawaiian Financial Federal Credit Union

Headquarters: Honolulu, Hawaii
Charter: Credit Union
Assets: $1.1B
Fed district: San Francisco

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Hawaiian Financial Federal Credit Union: No fee
Hawaiian Financial Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Hawaiian Financial Federal Credit Union: $20
Hawaiian Financial Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Hawaiian Financial Federal Credit Union: $20
Hawaiian Financial Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Hawaiian Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service FeeNo charge
per month
Average Daily Balance below $100$1
per month
Average Daily Balance below $400$5
per month
Account Closure Fee within 90 days$25
Inactive Account Fee (after three years no activity)$5
per month
Reconnect Fee (service cancelled w/90 days of inactivity)$4
Special Handling for Abandoned Account Fee$30
per item
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Overdraft Protection Fees$20
Non-Sufficient Funds Fee$20

ATM & Card

Withdrawal, Transfer, Balance Inquiry, Denial Fee at Non-Hawaiian Financial FCU ATMs and Non-Bank of Hawaii ATMs$1
Fee for Lost Cards$10

Wire Transfers

Outgoing Wire Fees (per transfer): Domestic$35
Incoming Wire FeeNo charge
Outgoing Wire Fees (per transfer): International$40

Check Services

Money Order$2
per item
Stop Payment Fee$20
per item
Teller Check Stop Payment Fee$20
per item
Check Copy Fee$3
per item

Account Services

Notary (Maximum 5 Signatures Per Day): Non-Member$5
per item
Size: 10 x 10 x 24$120
Size: 3 x 10 x 24$45
Size: 5 x 10 x 24$70
Size: 5 x 5 x 24$35
Legal Processing Fee (Garnishment,Levies)$40

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	No charge	per month	None
Average Daily Balance below $100	$1	per month	None
Average Daily Balance below $400	$5	per month	None
Account Closure Fee within 90 days	$25	Not stated	None
Inactive Account Fee (after three years no activity)	$5	per month	None
Reconnect Fee (service cancelled w/90 days of inactivity)	$4	Not stated	None
Special Handling for Abandoned Account Fee	$30	per item	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Overdraft Protection Fees	$20	Not stated	None
Non-Sufficient Funds Fee	$20	Not stated	None
ATM & Card
Withdrawal, Transfer, Balance Inquiry, Denial Fee at Non-Hawaiian Financial FCU ATMs and Non-Bank of Hawaii ATMs	$1	Not stated	None
Fee for Lost Cards	$10	Not stated	None
Wire Transfers
Outgoing Wire Fees (per transfer): Domestic	$35	Not stated	None
Incoming Wire Fee	No charge	Not stated	None
Outgoing Wire Fees (per transfer): International	$40	Not stated	None
Check Services
Money Order	$2	per item	None
Stop Payment Fee	$20	per item	None
Teller Check Stop Payment Fee	$20	per item	None
Check Copy Fee	$3	per item	None
Account Services
Notary (Maximum 5 Signatures Per Day): Non-Member	$5	per item	None
Size: 10 x 10 x 24	$120	Not stated	None
Size: 3 x 10 x 24	$45	Not stated	None
Size: 5 x 10 x 24	$70	Not stated	None
Size: 5 x 5 x 24	$35	Not stated	None
Legal Processing Fee (Garnishment,Levies)	$40	Not stated	None

Correct a fee source

Nov 1, 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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