Hamakua Federal Credit Union

Headquarters: Pepeekeo, Hawaii
Charter: Credit Union
Assets: $23.4M
Fed district: San Francisco

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

Source: its fee schedule, read Feb 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Hamakua Federal Credit Union: No fee
Hamakua Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
Hamakua Federal Credit Union: $20
Hamakua Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Hamakua Federal Credit Union: $45
Hamakua Federal Credit Union: $45
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Hamakua Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service ChargeNo charge
per month
Account Closed within 90-days of opening$20
Abandoned Property (Escheat)$35
Inactive Account (no activity for 12 months)$5
per month
Account Reconciliation (1 hour min)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (1 hour min)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-Sufficient Funds$20
Overdraft Protection Transfer$1
per item

ATM & Card

Debit Card Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers (domestic) Outgoing (>$5,000)$45
Wire Transfers (domestic & int’l) Incoming$5
per item

Check Services

Cashier’s Check$1
per item
Stop Payment Order$20
per item
Check Copy (Teller or share draft)$5
per item

Cash & Deposit

Deposited Item Returned$20
per item

Account Services

Notary (members)No charge
Share Value/Membership Fee: Legal Process$50
Not compared: Charged per hour; comparison unavailable
per hour
Account Verification$2

Other Fees

Photocopy (B&W or Color)$1
Not compared: Charged per page; comparison unavailable
per page
Photocopy (B&W)$0.10
per item
Photocopy (Color)$0.25
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	No charge	per month	None
Account Closed within 90-days of opening	$20	Not stated	None
Abandoned Property (Escheat)	$35	Not stated	None
Inactive Account (no activity for 12 months)	$5	per month	None
Account Reconciliation (1 hour min)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (1 hour min)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-Sufficient Funds	$20	Not stated	None
Overdraft Protection Transfer	$1	per item	None
ATM & Card
Debit Card Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers (domestic) Outgoing (>$5,000)	$45	Not stated	None
Wire Transfers (domestic & int’l) Incoming	$5	per item	None
Check Services
Cashier’s Check	$1	per item	None
Stop Payment Order	$20	per item	None
Check Copy (Teller or share draft)	$5	per item	None
Cash & Deposit
Deposited Item Returned	$20	per item	None
Account Services
Notary (members)	No charge	Not stated	None
Share Value/Membership Fee: Legal Process	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Account Verification	$2	Not stated	None
Other Fees
Photocopy (B&W or Color)	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopy (B&W)	$0.10	per item	None
Photocopy (Color)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	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

Feb 17, 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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