Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Onomea Federal Credit Union

Papaikou, HawaiiCredit UnionSan Francisco Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Closed Within 3 Months of Opening$5Below the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=early_closure; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Account Closed Within 3 Months of Opening | $5.00" · Source

Account Reconciliation/Research$25

At the national median

Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=account_research; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Account Reconciliation/Research | $25.00 per hour" · Source

Dormant/Escheat Account Processing$15

$10 above the national median

Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=dormant_account; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Dormant/Escheat Account Processing | $15.00 per account" · Source

Inactive Account Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=dormant_account; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Inactive Account Fee | $5.00 per month (after 2 years of inactivity)" · Source

ATM & CardVerified

ATM Surcharge Fee (Non-Onomea FCU Cards)$2Within the typical range ($1–$3.93 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=atm_non_network; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="ATM Surcharge Fee (Non-Onomea FCU Cards) | $2.00 per withdrawal" · Source
Credit Card/PIN Mailer Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=card_replacement; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Credit Card/PIN Mailer Replacement | $10.00 per card/mailer" · Source
Foreign Transactions—
—
per item · 1% of transaction amount · Source
Rush Card$50Within the typical range ($30–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=rush_card; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Rush Card | $50.00 minimum (Pass Through Cost)" · Source

Wire TransfersVerified

Wire Transfer Incoming$10Within the typical range ($10–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=wire_domestic_incoming; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Wire Transfer Incoming | $10.00 per transfer" · Source
Wire Transfer Outgoing$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=wire_domestic_outgoing; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Wire Transfer Outgoing | $20.00 per transfer" · Source

Check ServicesVerified

ACH/Share Draft Stop Payment$20Within the typical range ($20–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=stop_payment; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="ACH/Share Draft Stop Payment | $20.00 per request" · Source

Digital & ElectronicVerified

ACH/Share Draft Overdraft or Return$23Within the typical range ($10–$30 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=ach_return; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="ACH/Share Draft Overdraft or Return | $23.00 per item" · Source

Cash & DepositVerified

Deposited Item Return$20Within the typical range ($10–$25 nationally)
$2.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=deposited_item_return; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Deposited Item Return | $20.00 per item" · Source

Lending FeesVerified

Late Payment$20Within the typical range ($15–$28.25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=late_payment; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Late Payment | $20.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 3 Months of Opening	$5Below the typical range ($10–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=early_closure; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Account Closed Within 3 Months of Opening \| $5.00"	Source
Account Reconciliation/Research	$25Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=account_research; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Account Reconciliation/Research \| $25.00 per hour"	Source
Dormant/Escheat Account Processing	$15Above the typical range ($5–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=dormant_account; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Dormant/Escheat Account Processing \| $15.00 per account"	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=dormant_account; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Inactive Account Fee \| $5.00 per month (after 2 years of inactivity)"	Source
ATM & CardVerified
ATM Surcharge Fee (Non-Onomea FCU Cards)	$2Within the typical range ($1–$3.93 nationally)	At the national median	per transaction	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=atm_non_network; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="ATM Surcharge Fee (Non-Onomea FCU Cards) \| $2.00 per withdrawal"	Source
Credit Card/PIN Mailer Replacement
Wire TransfersVerified
Wire Transfer Incoming	$10Within the typical range ($10–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=wire_domestic_incoming; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Wire Transfer Incoming \| $10.00 per transfer"	Source
Wire Transfer Outgoing
Check ServicesVerified
ACH/Share Draft Stop Payment	$20Within the typical range ($20–$30 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=stop_payment; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="ACH/Share Draft Stop Payment \| $20.00 per request"	Source
Digital & ElectronicVerified
ACH/Share Draft Overdraft or Return	$23Within the typical range ($10–$30 nationally)	$2 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=ach_return; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="ACH/Share Draft Overdraft or Return \| $23.00 per item"	Source
Cash & DepositVerified
Deposited Item Return	$20Within the typical range ($10–$25 nationally)	$2.50 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=deposited_item_return; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Deposited Item Return \| $20.00 per item"	Source
Lending FeesVerified
Late Payment	$20Within the typical range ($15–$28.25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #1566. canonical_hint=late_payment; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Late Payment \| $20.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft fee: $23

8% below the national median overdraft fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$26.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$26.0M

Total deposits

$21.1M

Service charge income (year to date)

$25K

Fee income ratio

3.6%

Return on assets

1.95%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 6,925 verified fees from 1,557 institutions

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