Hfs Federal Credit Union

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

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

Source: its fee schedule, read Oct 30, 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)
Hfs Federal Credit Union: $25
Hfs Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Hfs Federal Credit Union: $25
Hfs Federal Credit Union: $25
U.S. median: no median
Foreign Transaction
Hfs Federal Credit Union: No fee
Hfs Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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 Hfs Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account$5
per month
Account Reconciliation (Free for current month or initial request)$25
Account Research (1 hour minimum)$25

Overdraft & NSF

Overdraft$25
per item
Fee Description Returned Check or Item: Fee Amount$25
per item
Non-Sufficient Funds$25

ATM & Card

Replacement CardNo charge
Expedited Shipping of Card$80
Foreign Transaction Fee without currency conversionNo charge

Wire Transfers

Wire Transfer Fees: Outgoing (Domestic)$25
Wire Transfer Fees: Incoming (Bank of Hawaii)$12

Check Services

Money Order$1
Stop payment requests may be done in-branch or by speaking with a Call Center Specialist by calling 930-1400. The fee fo$25
per item

Digital & Electronic

Bill Payer (Service provided by the Credit Union)$2.50
Not compared: Per-item charge, not monthly
per item
Bill Payment ( Online consumer service provided through iPay)No charge

Cash & Deposit

Coin Machine MembersNo charge

Account Services

Notary MembersNo charge
Lock Replacement (No key available, cost to drill)$130
Not compared: Box drilling or key fee
Rental Size: 10”x10”x24”$75
per year
Rental Size: 3”x10”x24”$35
per year
Rental Size: 5”x10”x24”$40
per year
Rental Size: 5”x5”x24”$30
per year
Rental Size: 7”x10”x24”$50
per year
Legal Notice Processing (Garnishment, levy, subpoena, etc.)$50
per item
Verification of Account$5

Other Fees

Photocopy$2.50
Photocopy$0.25
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account	$5	per month	None
Account Reconciliation (Free for current month or initial request)	$25	Not stated	None
Account Research (1 hour minimum)	$25	Not stated	None
Overdraft & NSF
Overdraft	$25	per item	None
Fee Description Returned Check or Item: Fee Amount	$25	per item	None
Non-Sufficient Funds	$25	Not stated	None
ATM & Card
Replacement Card	No charge	Not stated	None
Expedited Shipping of Card	$80	Not stated	None
Foreign Transaction Fee without currency conversion	No charge	Not stated	None
Wire Transfers
Wire Transfer Fees: Outgoing (Domestic)	$25	Not stated	None
Wire Transfer Fees: Incoming (Bank of Hawaii)	$12	Not stated	None
Check Services
Money Order	$1	Not stated	None
Stop payment requests may be done in-branch or by speaking with a Call Center Specialist by calling 930-1400. The fee fo	$25	per item	None
Digital & Electronic
Bill Payer (Service provided by the Credit Union)	$2.50Not compared: Per-item charge, not monthly	per item	None
Bill Payment ( Online consumer service provided through iPay)	No charge	Not stated	None
Cash & Deposit
Coin Machine Members	No charge	Not stated	None
Account Services
Notary Members	No charge	Not stated	None
Lock Replacement (No key available, cost to drill)	$130Not compared: Box drilling or key fee	Not stated	None
Rental Size: 10”x10”x24”	$75	per year	None
Rental Size: 3”x10”x24”	$35	per year	None
Rental Size: 5”x10”x24”	$40	per year	None
Rental Size: 5”x5”x24”	$30	per year	None
Rental Size: 7”x10”x24”	$50	per year	None
Legal Notice Processing (Garnishment, levy, subpoena, etc.)	$50	per item	None
Verification of Account	$5	Not stated	None
Other Fees
Photocopy	$2.50	Not stated	None
Photocopy	$0.25	Not stated	None
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 30, 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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