Valley Isle Community Federal Credit Union

Headquarters: Kahului, Hawaii
Charter: Credit Union
Assets: $174.1M
Fed district: San Francisco

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Valley Isle Community Federal Credit Union: $20
Valley Isle Community Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Valley Isle Community Federal Credit Union: $20
Valley Isle Community Federal Credit Union: $20
U.S. median: no median
Non-Network ATM
Valley Isle Community Federal Credit Union: $1
Valley Isle Community Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Valley Isle Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$20
Abandoned Property Process Fee$20
Inactive Account$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $25.00/hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25.00/hour
Return Mail Fee$5

Overdraft & NSF

Courtesy Pay$20
per item
Insufficient Funds Fee$20
per item
Returned ACH Payment$20
per item
Overdraft Transfer Fee$2
per item

ATM & Card

Non-Network ATM$1
Debit/ATM Card Replacement$10
per item
Expedite Debit PIN$60
per item
Expedite Shipping of Card$60
per item

Wire Transfers

Outgoing Wire (Domestic)$20
per item
Outgoing Wire (International)$40
per item

Check Services

Stale Dated Teller Check Fee$20
ACH Stop Payment$20
per item
Stop Payment$20
per item
Teller Check Stop Payment Fee$30
per item
Copy of Cleared Draft$1
per item

Cash & Deposit

Deposited Item Return$20

Account Services

Notary for Non-primary Member$5
per item
Garnishment$30
Tax Levy$30
Verification of Deposit$5

Other Fees

Photocopy Fee$0.25
Not compared: Charged per page; comparison unavailable
per page · Photocopy Fee | $0.25/page
Statement Copy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$20	Not stated	None
Abandoned Property Process Fee	$20	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation \| $25.00/hour
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25.00/hour
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$20	per item	None
Insufficient Funds Fee	$20	per item	None
Returned ACH Payment	$20	per item	None
Overdraft Transfer Fee	$2	per item	None
ATM & Card
Non-Network ATM	$1	Not stated	None
Debit/ATM Card Replacement	$10	per item	None
Expedite Debit PIN	$60	per item	None
Expedite Shipping of Card	$60	per item	None
Wire Transfers
Outgoing Wire (Domestic)	$20	per item	None
Outgoing Wire (International)	$40	per item	None
Check Services
Stale Dated Teller Check Fee	$20	Not stated	None
ACH Stop Payment	$20	per item	None
Stop Payment	$20	per item	None
Teller Check Stop Payment Fee	$30	per item	None
Copy of Cleared Draft	$1	per item	None
Cash & Deposit
Deposited Item Return	$20	Not stated	None
Account Services
Notary for Non-primary Member	$5	per item	None
Garnishment	$30	Not stated	None
Tax Levy	$30	Not stated	None
Verification of Deposit	$5	Not stated	None
Other Fees
Photocopy Fee	$0.25Not compared: Charged per page; comparison unavailable	per page	Photocopy Fee \| $0.25/page
Statement Copy	$1	per item	None

Correct a fee source

Nov 1, 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.

Fee change alerts

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