vs. U.S. typical range:LowerTypicalHigher
At the national medianAt the Hawaii median
per month · Source
$2.50 below the national medianAt the Hawaii median
$12.50 below the national median$10 below the Hawaii median
per month · Source
$15 below the national median$10 below the Hawaii median
$5 below the national medianAt the Hawaii median
$20 below the national median$15 below the Hawaii median
$3 below the national median$1 below the Hawaii median
$1 below the national median$0.50 below the Hawaii median
per item · Source
At the national medianAt the Hawaii median
$5 below the national median$10 below the Hawaii median
per item · Source
$10 above the national median$10 above the Hawaii median
$17.50 below the national median$15 below the Hawaii median
$2.50 below the national medianAt the Hawaii median
$0.50 below the national median$0.50 below the Hawaii median
$5 below the national median$5 below the Hawaii median
$15 below the national median$15 below the Hawaii median
At the national medianAt the Hawaii median
—
$0.50 below the national median$0.50 above the Hawaii median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Inactive (dormant) fee per month | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Hawaii median | per month | — | Source |
| Account Research | $15Within the typical range ($12–$25 nationally) | $2.50 below the national medianAt the Hawaii median | — | — | Source |
| Returned Mail (sent to incorrect address) per month | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$10 below the Hawaii median | per month | — | Source |
Overdraft & NSFVerified | |||||
| ACH Withdrawal (NSF) | $15Below the typical range ($25–$32 nationally) | $15 below the national median$10 below the Hawaii median | — | — | Source |
| Insufficient Funds (NSF) | $25 | ||||
ATM & CardVerified | |||||
| ATM Transaction Fee (in excess of 5 per month and includes balance inquiries and transfers) | $0.50Below the typical range ($1–$2.25 nationally) | $1 below the national median$0.50 below the Hawaii median | per item | — | Source |
| Debit Card Replacement | $10 | ||||
Wire TransfersVerified | |||||
| Outgoing Wires | $35Above the typical range ($20–$25 nationally) | $10 above the national median$10 above the Hawaii median | — | — | Source |
Check ServicesVerified | |||||
| Stop Payment | $10Below the typical range ($20–$30 nationally) | $17.50 below the national median$15 below the Hawaii median | — | — | Source |
| Stop Payment - Teller Check | $25 | ||||
Cash & DepositVerified | |||||
| Visa Cash Advance Fee (applies to non-HECOEFCU Visa Cards only) | $3.50Within the typical range ($2–$10 nationally) | $1.50 below the national median | — | — | Source |
| Deposit Return Item | $10 | ||||
Account ServicesVerified | |||||
| Legal Processing Fee (e.g., garnishment, levy) | $35Within the typical range ($30–$88.13 nationally) | $15 below the national median$15 below the Hawaii median | — | — | Source |
Lending FeesVerified | |||||
| Late Payment | $20Within the typical range ($10–$25 nationally) | At the national medianAt the Hawaii median | — | — | Source |
| Late Payment | 3%($20 minimum) | ||||
Other FeesVerified | |||||
| Duplicate Statement | $2.50Within the typical range ($2–$5 nationally) | $0.50 below the national median$0.50 above the Hawaii median | — | — | Source |
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Headline fees vs. national median
Headline fees published
7 of 15
Published fees
19
Under review
0
Assets
$37.1M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$37.1M
Total deposits
$30.1M
Service charge income (year to date)
$10K
Fee income ratio
1.2%
Return on assets
0.99%
Financial profile · Pro
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| $5 below the national medianAt the Hawaii median |
| — |
| — |
| Source |
| Return Check Payment | $10Below the typical range ($25–$32 nationally) | $20 below the national median$15 below the Hawaii median | — | — | Source |
| Overdraft From Shares | $2Below the typical range ($2.50–$5 nationally) | $3 below the national median$1 below the Hawaii median | — | — | Source |
| At the national medianAt the Hawaii median |
| — |
| — |
| Source |
| Rush Card Order | $35Within the typical range ($30–$50 nationally) | $5 below the national median$10 below the Hawaii median | per item | — | Source |
| $2.50 below the national medianAt the Hawaii median |
| — |
| — |
| Source |
| Duplicate Copy of Check | $2.50Within the typical range ($2–$5 nationally) | $0.50 below the national median$0.50 below the Hawaii median | — | — | Source |
| $5 below the national median$5 below the Hawaii median |
| — |
| — |
| Source |
| — |
| — |
| — |
| Source |