vs. U.S. typical range:LowerTypicalHigher
$3 below the national median$1 below the Hawaii median
$12.50 below the national median$20 below the Hawaii median
$5 above the national median$5 above the Hawaii median
per quarter · Source
$10 above the national median$10 above the Hawaii median
$3 above the national median$3 above the Hawaii median
per quarter · Source
At the national medianAt the Hawaii median
per month · Source
$1 below the national median$1 below the Hawaii median
$7.50 above the national median$10 above the Hawaii median
$7.50 below the national median$5 below the Hawaii median
Knox extract.rules v33 categorized a line held for review from Rosetta artifact #14433. canonical_hint=account_research; text_hash=83d324fe98105107404127712477771edb69c6a2c59b53d21ea4b27815b95804; excerpt="USPS Bad Address / Return Mail Fee (8) ............................................................................ $10.00" · Source
$1 below the national medianAt the Hawaii median
At the national median$5 above the Hawaii median
At the national median$5 above the Hawaii median
per item · Source
$5 above the national median$10 above the Hawaii median
$2 below the national medianAt the Hawaii median
$0.50 above the national median$1 above the Hawaii median
per transaction · Source
$1.50 above the national median$2 above the Hawaii median
$10 above the national median$10 above the Hawaii median
$2 above the national median$2 above the Hawaii median
per item · Source
$15 above the national median$15 above the Hawaii median
$5 above the national median$5 above the Hawaii median
—
$15 below the national median$15 below the Hawaii median
$5 below the national median$5 below the Hawaii median
per item · Source
At the national median$5 above the Hawaii median
per item · Source
$2 below the national median$2 below the Hawaii median
per item · Source
At the national medianAt the Hawaii median
$1 below the national median$1 below the Hawaii median
per item · Source
$1 above the national median$1 above the Hawaii median
$7.50 below the national median$5 below the Hawaii median
per item · Source
$7.50 below the national median$5 below the Hawaii median
per item · Source
$2.50 below the national medianAt the Hawaii median
per item · Source
$12.50 below the national median$10 below the Hawaii median
per item · Source
$2.50 above the national median$5 above the Hawaii median
per item · Source
$2 below the national median$2 below the Hawaii median
At the national medianAt the Hawaii median
$1 below the national median$1 below the Hawaii median
per item · Source
$7 above the national median$7 above the Hawaii median
per item · Source
$2 below the national median$3 above the Hawaii median
per item · Source
per transaction · Source
$5 above the national median$5 above the Hawaii median
per item · Source
At the national medianAt the Hawaii median
per item · Source
At the national medianAt the Hawaii median
At the national medianAt the Hawaii median
$2 above the national median$3 above the Hawaii median
per item · Source
$2.50 below the national median$1.50 below the Hawaii median
per item · Source
$2 below the national median$1 below the Hawaii median
per item · Knox extract.rules v20 categorized a line held for review from Rosetta artifact #1566. canonical_hint=document_reproduction; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Photocopy Fees | $1.00 per page" · Source
At the national median$1 above the Hawaii median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Minimum Balance Fee (Per Savings Account) | $4Below the typical range ($5–$10 nationally) | $3 below the national median$1 below the Hawaii median | — | — | Source |
| Account Closed Within 3 Months of Opening | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$20 below the Hawaii median | — | — | Source |
| Dormant Fee (Quarterly Charged) (7) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Hawaii median | per quarter | — | Source |
| Dormant/Escheat Account Processing | $15Above the typical range ($5–$10 nationally) | $10 above the national median$10 above the Hawaii median | — | — | Source |
| Inactive (Dormant) account fee | $8Within the typical range ($5–$10 nationally) | $3 above the national median$3 above the Hawaii median | per quarter | — | Source |
| Inactive Account Fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Hawaii median | per month | — | Source |
| Inactivity Fee (Per Account) (3) | $4Below the typical range ($5–$10 nationally) | $1 below the national median$1 below the Hawaii median | — | — | Source |
| Account Reconciliation/Research | $25Within the typical range ($11.38–$25 nationally) | $7.50 above the national median$10 above the Hawaii median | — | — | Source |
| USPS Bad Address / Return Mail Fee (8) | $10Below the typical range ($11.38–$25 nationally) | $7.50 below the national median$5 below the Hawaii median | — | Knox extract.rules v33 categorized a line held for review from Rosetta artifact #14433. canonical_hint=account_research; text_hash=83d324fe98105107404127712477771edb69c6a2c59b53d21ea4b27815b95804; excerpt="USPS Bad Address / Return Mail Fee (8) ............................................................................ $10.00" | Source |
| Paper Statement Mail Fee (Under 16, Over 67 Exempt) | $2Within the typical range ($2–$4.68 nationally) | $1 below the national medianAt the Hawaii median | — | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Fee | $30Within the typical range ($25–$33 nationally) | At the national median$5 above the Hawaii median | — | — | Source |
| NSF/ Overdraft fee for ACH and Checks | $30 | ||||
ATM & CardVerified | |||||
| ATM Surcharge Fee (Non-Onomea FCU Cards) | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$1 above the Hawaii median | per transaction | — | Source |
| Foreign ATM Fee | $3 | ||||
Wire TransfersVerified | |||||
| Domestic Wire transfer fee (outgoing) | $10Below the typical range ($20–$25 nationally) | $15 below the national median$15 below the Hawaii median | — | — | Source |
| Wire Transfer Outgoing | $20 | ||||
Check ServicesVerified | |||||
| Cashiers Check fee | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Hawaii median | per item | — | Source |
| Official Check Fee (5) | $5 | ||||
Digital & ElectronicVerified | |||||
| ACH/Share Draft Overdraft or Return | $23Within the typical range ($15–$30 nationally) | $2 below the national median$3 above the Hawaii median | per item | — | Source |
Cash & DepositVerified | |||||
| Non LNFCU VISA/MasterCard Cash Advance | $10Within the typical range ($2–$10 nationally) | $5 above the national median | per transaction | — | Source |
| Deposited Item Return | $20 | ||||
Account ServicesVerified | |||||
| Garnishment / Levy Processing Fee (10) | $50Within the typical range ($30–$90 nationally) | At the national medianAt the Hawaii median | — | — | Source |
Lending FeesVerified | |||||
| Late Payment | $20Within the typical range ($10–$25 nationally) | At the national medianAt the Hawaii median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| Gift Card/Travel Card Fee | $5Above the typical range ($3–$4.95 nationally) | $1.50 above the national median | — | — | Source |
Other FeesVerified | |||||
| Document Copy | $5Within the typical range ($2–$5 nationally) | $2 above the national median$3 above the Hawaii median | per item | — | Source |
| Photocopy | $0.50 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$30.00
Of 187 others that publish it, 142 lower, 30 the same and 15 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
13 of 15
Published fees
49
Under review
0
Assets
$26.0M
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Financial Context
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
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| At the national median$5 above the Hawaii median |
| per item |
| — |
| Source |
| NSF / Return Item Fee | $35Above the typical range ($25–$32 nationally) | $5 above the national median$10 above the Hawaii median | — | — | Source |
| Overdraft Transfer Fee (Automatic Transfer from Savings to Checking) | $3Within the typical range ($2.50–$5 nationally) | $2 below the national medianAt the Hawaii median | — | — | Source |
| $1.50 above the national median$2 above the Hawaii median |
| — |
| — |
| Source |
| Debit Card Replacement Fee | $20Above the typical range ($5–$10 nationally) | $10 above the national median$10 above the Hawaii median | — | — | Source |
| Debit Card Replacement Fee | $12Above the typical range ($5–$10 nationally) | $2 above the national median$2 above the Hawaii median | per item | — | Source |
| Emergency Card Replacement Fee | $25Above the typical range ($5–$10 nationally) | $15 above the national median$15 above the Hawaii median | — | — | Source |
| Lost/misplaced debit card | $15Above the typical range ($5–$10 nationally) | $5 above the national median$5 above the Hawaii median | — | — | Source |
| Foreign Transactions | 1%of the transaction | — | — | — | Source |
| $5 below the national median$5 below the Hawaii median |
| per item |
| — |
| Source |
| Wire Transfer Incoming | $10Within the typical range ($5–$15 nationally) | At the national median$5 above the Hawaii median | per item | — | Source |
| At the national medianAt the Hawaii median |
| — |
| — |
| Source |
| Money order | $1Below the typical range ($1.50–$3 nationally) | $1 below the national median$1 below the Hawaii median | per item | — | Source |
| Money Order/Official Check Fee (5) | $3Within the typical range ($1.50–$3 nationally) | $1 above the national median$1 above the Hawaii median | — | — | Source |
| ACH/Share Draft Stop Payment | $20Within the typical range ($20–$30 nationally) | $7.50 below the national median$5 below the Hawaii median | per item | — | Source |
| Stop payment (Bill pay) | $20Within the typical range ($20–$30 nationally) | $7.50 below the national median$5 below the Hawaii median | per item | — | Source |
| Stop payment (Sharedrafts and ACH) | $25Within the typical range ($20–$30 nationally) | $2.50 below the national medianAt the Hawaii median | per item | — | Source |
| Stop Payment Draft/ACH/Check | $15Below the typical range ($20–$30 nationally) | $12.50 below the national median$10 below the Hawaii median | per item | — | Source |
| Stop Payment Fee (Draft / ACH / Check) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$5 above the Hawaii median | per item | — | Source |
| Check Cashing Fee (6) | $3Below the typical range ($5–$10 nationally) | $2 below the national median$2 below the Hawaii median | — | — | Source |
| Check Copy / Statement Copy (5) | $3Within the typical range ($2–$5 nationally) | At the national medianAt the Hawaii median | — | — | Source |
| Copy of Share Draft Item | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Hawaii median | per item | — | Source |
| Copy of Teller Check | $10Above the typical range ($2–$5 nationally) | $7 above the national median$7 above the Hawaii median | per item | — | Source |
| $5 above the national median$5 above the Hawaii median |
| per item |
| — |
| Source |
| Deposited item return fee | $15Within the typical range ($8–$25 nationally) | At the national medianAt the Hawaii median | per item | — | Source |
| $2.50 below the national median$1.50 below the Hawaii median |
| per item |
| — |
| Source |
| Photocopy Fees | $1Below the typical range ($2–$5 nationally) | $2 below the national median$1 below the Hawaii median | per item | Knox extract.rules v20 categorized a line held for review from Rosetta artifact #1566. canonical_hint=document_reproduction; text_hash=ec778568f106e2896d8b09e5fc79c8e4d8a2681228e3827926a6e339a5f3f8bd; excerpt="Photocopy Fees | $1.00 per page" | Source |
| Statement copy | $3Within the typical range ($2–$5 nationally) | At the national median$1 above the Hawaii median | — | — | Source |
| Loan Application Fee (Excludes Loan Specials) | $25Within the typical range ($25–$100 nationally) | $12.50 below the national median | — | — | Source |
| Loan Application Fee (Excludes Loan Specials) | $35Within the typical range ($25–$100 nationally) | $2.50 below the national median | — | — | Source |