Hawaii State Federal Credit Union

Headquarters: Honolulu, Hawaii
Charter: Credit Union
Assets: $2.9B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5, the middle of its prices
Hawaii State Federal Credit Union: $5 to $20
Hawaii State Federal Credit Union: $5 to $20
U.S. median: no median
NSF / Returned Item
Hawaii State Federal Credit Union: $28
Hawaii State Federal Credit Union: $28
U.S. median: no median
Non-Network ATM
Hawaii State Federal Credit Union: $1
Hawaii State 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 25, 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 Hawaii State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Monthly service fee (HiFlex) (audience not stated, treated as personal)$5
per month
Relationship Checking Monthly Service Fee$20
per month
Abandoned Property Processing$50
Inactive Account Fee$5
per month
Research and Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Charge$28
per item

ATM & Card

Other ATM Transactions$1
per item
Replacement Card$10
per item
Rush Order$35
per item
International transaction1%of the transaction
per month

Wire Transfers

WIRE TRANSFERS: Outgoing Domestic$35
per item
WIRE TRANSFERS: Outgoing Domestic (Relationship Checking)$5
per item

Check Services

Official Check by members$10
per item
Stop Payment$28
per item

Account Services

Notary (By appointment only)$5
per item
Late Payment$10
Not compared: Box drilling or key fee
Safe Deposit Box 3” x 10”$60
per year
Safe Deposit Box 5” x 10”$75
per year
Safe Deposit Box 5” x 5”$50
per year
E.g., levy, subpoena, garnishment$50
per item

Retirement & IRA

IRA Transfer (To another institution)$25
per item

Other Fees

Copy of Statement$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Monthly service fee (HiFlex) (audience not stated, treated as personal)	$5	per month	None
Relationship Checking Monthly Service Fee	$20	per month	None
Abandoned Property Processing	$50	Not stated	None
Inactive Account Fee	$5	per month	None
Research and Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Charge	$28	per item	None
ATM & Card
Other ATM Transactions	$1	per item	None
Replacement Card	$10	per item	None
Rush Order	$35	per item	None
International transaction	1%of the transaction	per month	None
Wire Transfers
WIRE TRANSFERS: Outgoing Domestic	$35	per item	None
WIRE TRANSFERS: Outgoing Domestic (Relationship Checking)	$5	per item	None
Check Services
Official Check by members	$10	per item	None
Stop Payment	$28	per item	None
Account Services
Notary (By appointment only)	$5	per item	None
Late Payment	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3” x 10”	$60	per year	None
Safe Deposit Box 5” x 10”	$75	per year	None
Safe Deposit Box 5” x 5”	$50	per year	None
E.g., levy, subpoena, garnishment	$50	per item	None
Retirement & IRA
IRA Transfer (To another institution)	$25	per item	None
Other Fees
Copy of Statement	$5	per item	None

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

Correct a fee source

Oct 25, 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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