Toledo Fire Fighters Federal Credit Union

Headquarters: Toledo, Ohio
Charter: Credit Union
Assets: $45.5M
Fed district: Cleveland

13 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.

Overdraft (OD)
Toledo Fire Fighters Federal Credit Union: $30
Toledo Fire Fighters Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Toledo Fire Fighters Federal Credit Union: $30
Toledo Fire Fighters Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Toledo Fire Fighters Federal Credit Union: $1 to $2
Toledo Fire Fighters Federal Credit Union: $1 to $2
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 Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Toledo Fire Fighters Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation (per hour) | $25
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research (per hour) | $25
Return Mail (per occurrence)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF — Courtesy Pay$30
Non-Sufficient Funds$30
NSF Preauthorized Withdrawal and EFT$30

ATM & Card

ATM Cirrus Network Usage$2
ATM Withdrawals (first 10 free)$1
Lost Debit Card (first one free)$10

Wire Transfers

Outgoing Wire Transfer$25
Incoming Wire$15

Check Services

ACH/Check Stop Payment$25
per item
Copy of Check$3

Cash & Deposit

Deposited Item Return at TFFFCU$25

Account Services

Garnishments$30
Levy Fee$30
Subordination Agreement$50

Other Fees

Fax Fee$2
Statement Copy (per page)$1
Not compared: Charged per page; comparison unavailable
per page · Statement Copy (per page) | $1
Home Equity Loan Processing Fee$350
Loan Application Fee$75

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation (per hour) \| $25
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research (per hour) \| $25
Return Mail (per occurrence)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF — Courtesy Pay	$30	Not stated	None
Non-Sufficient Funds	$30	Not stated	None
NSF Preauthorized Withdrawal and EFT	$30	Not stated	None
ATM & Card
ATM Cirrus Network Usage	$2	Not stated	None
ATM Withdrawals (first 10 free)	$1	Not stated	None
Lost Debit Card (first one free)	$10	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$25	Not stated	None
Incoming Wire	$15	Not stated	None
Check Services
ACH/Check Stop Payment	$25	per item	None
Copy of Check	$3	Not stated	None
Cash & Deposit
Deposited Item Return at TFFFCU	$25	Not stated	None
Account Services
Garnishments	$30	Not stated	None
Levy Fee	$30	Not stated	None
Subordination Agreement	$50	Not stated	None
Other Fees
Fax Fee	$2	Not stated	None
Statement Copy (per page)	$1Not compared: Charged per page; comparison unavailable	per page	Statement Copy (per page) \| $1
Home Equity Loan Processing Fee	$350	Not stated	None
Loan Application Fee	$75	Not stated	None

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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