Hawaiian Electric Employees Federal Credit Union

Headquarters: Honolulu, Hawaii
Charter: Credit Union
Assets: $37.1M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

NSF / Returned Item
Compared at $25, the middle of its prices
Hawaiian Electric Employees Federal Credit Union: $15 to $25
Hawaiian Electric Employees Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Hawaiian Electric Employees Federal Credit Union: $0.50
Hawaiian Electric Employees Federal Credit Union: $0.50
U.S. median: no median
Wire Transfer (Domestic Out)
Hawaiian Electric Employees Federal Credit Union: $35
Hawaiian Electric Employees Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 Electric Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive (dormant) fee per month$5
per month
Special handling for abandoned account fee$35
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $15.00/hour (or fraction thereafter)
Returned Mail (sent to incorrect address) per month$5
per month

Overdraft & NSF

ACH Withdrawal (NSF)$15
Insufficient Funds (NSF)$25
Return Check Payment$25
Overdraft From Shares$2

ATM & Card

ATM Transaction Fee (in excess of 5 per month and includes balance inquiries and transfers)$0.50
per item
Card Reissue$10
Debit Card Replacement$10
Rush Card Order$35
per item
Rush Fee$30

Wire Transfers

Outgoing Wires$35

Check Services

ACH Stop Payment$10
Stop Payment$10
Stop Payment - Teller Check$25
Duplicate Copy of Check$2.50

Cash & Deposit

Visa Cash Advance Fee (applies to non-HECOEFCU Visa Cards only)$3.50
Deposit Return Item$10

Account Services

Legal Processing Fee (e.g., garnishment, levy)$35

Lending Fees

Late Payment$20
Late Payment3%($20 minimum)
Late Payment (audience not stated, treated as personal)3%($20 minimum)

Other Fees

Duplicate Statement$2.50
Return Check Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Inactive (dormant) fee per month	$5	per month	None
Special handling for abandoned account fee	$35	Not stated	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $15.00/hour (or fraction thereafter)
Returned Mail (sent to incorrect address) per month	$5	per month	None
Overdraft & NSF
ACH Withdrawal (NSF)	$15	Not stated	None
Insufficient Funds (NSF)	$25	Not stated	None
Return Check Payment	$25	Not stated	None
Overdraft From Shares	$2	Not stated	None
ATM & Card
ATM Transaction Fee (in excess of 5 per month and includes balance inquiries and transfers)	$0.50	per item	None
Card Reissue	$10	Not stated	None
Debit Card Replacement	$10	Not stated	None
Rush Card Order	$35	per item	None
Rush Fee	$30	Not stated	None
Wire Transfers
Outgoing Wires	$35	Not stated	None
Check Services
ACH Stop Payment	$10	Not stated	None
Stop Payment	$10	Not stated	None
Stop Payment - Teller Check	$25	Not stated	None
Duplicate Copy of Check	$2.50	Not stated	None
Cash & Deposit
Visa Cash Advance Fee (applies to non-HECOEFCU Visa Cards only)	$3.50	Not stated	None
Deposit Return Item	$10	Not stated	None
Account Services
Legal Processing Fee (e.g., garnishment, levy)	$35	Not stated	None
Lending Fees
Late Payment	$20	Not stated	None
Late Payment	3%($20 minimum)	Not stated	None
Late Payment (audience not stated, treated as personal)	3%($20 minimum)	Not stated	None
Other Fees
Duplicate Statement	$2.50	Not stated	None
Return Check Payment	$10	Not stated	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 26, 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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