Inova Federal Credit Union

Headquarters: Elkhart, Indiana
Charter: Credit Union
Assets: $643.5M
Fed district: Chicago

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Shield Checking $5 · Elite Checking $7.50
Compared at $6.25, the middle of its prices
Inova Federal Credit Union: $5 to $7.50
Inova Federal Credit Union: $5 to $7.50
U.S. median: no median
Non-Network ATM
Inova Federal Credit Union: $2
Inova Federal Credit Union: $2
U.S. median: no median
Stop Payment
Inova Federal Credit Union: $29
Inova Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago 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).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Inova Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking monthly fee (audience not stated, treated as personal)$7.50
per month · A $7.50/month fee if the balance falls below $2,000 for the Elite Checking Account
Shield Checking Monthly Service Charge$5
per month
Account Reconciliation$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$2.50
per month
Return Mail Fee$5

Overdraft & NSF

Overdraft Transfer$3
per item

ATM & Card

Foreign ATM transactions$2
per transaction
To avoid paying a fee, choose any INOVA FCU ATM, Alliance One or CO-OP Network ATM across the nation. Foreign ATM trans$2
per item
Foreign transaction fees0.8%of the transaction

Wire Transfers

Wire Transfer (Incoming)$10
per item

Check Services

State Corporate Check$15
per item
Check Printing depending upon style (less than $500.99)$3
per item
Withdrawal Fee annual distribution: Stop Payment$29
per item
Non-Member check cashing$10
per item
Check Copy$2.50
per item

Cash & Deposit

2 Annual Percentage Rate. Cash advance fees$5
Not compared: Annual charge, not per item
per year
Cash advance fees4%of the advance ($5 minimum)
per item

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
per item
Lock Drilling$25
Not compared: Box drilling or key fee
Lock Drilling Emergency$50
Not compared: Box drilling or key fee
Safe Deposit Box 10” x 10”$75
per year
Safe Deposit Box 3” x 10”$45
per year
Safe Deposit Box 3” x 5”$25
per year
Safe Deposit Box 5” x 10”$55
per year
Safe Deposit Box Fees$10
per item
Verification of Deposit$10

Other Fees

Statement Copy$2.50
per item
Loan Refinance$100
LOC advance fee$5
per transaction

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking monthly fee (audience not stated, treated as personal)	$7.50	per month	A $7.50/month fee if the balance falls below $2,000 for the Elite Checking Account
Shield Checking Monthly Service Charge	$5	per month	None
Account Reconciliation	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$2.50	per month	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Transfer	$3	per item	None
ATM & Card
Foreign ATM transactions	$2	per transaction	None
To avoid paying a fee, choose any INOVA FCU ATM, Alliance One or CO-OP Network ATM across the nation. Foreign ATM trans	$2	per item	None
Foreign transaction fees	0.8%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Incoming)	$10	per item	None
Check Services
State Corporate Check	$15	per item	None
Check Printing depending upon style (less than $500.99)	$3	per item	None
Withdrawal Fee annual distribution: Stop Payment	$29	per item	None
Non-Member check cashing	$10	per item	None
Check Copy	$2.50	per item	None
Cash & Deposit
2 Annual Percentage Rate. Cash advance fees	$5Not compared: Annual charge, not per item	per year	None
Cash advance fees	4%of the advance ($5 minimum)	per item	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	per item	None
Lock Drilling	$25Not compared: Box drilling or key fee	Not stated	None
Lock Drilling Emergency	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$75	per year	None
Safe Deposit Box 3” x 10”	$45	per year	None
Safe Deposit Box 3” x 5”	$25	per year	None
Safe Deposit Box 5” x 10”	$55	per year	None
Safe Deposit Box Fees	$10	per item	None
Verification of Deposit	$10	Not stated	None
Other Fees
Statement Copy	$2.50	per item	None
Loan Refinance	$100	Not stated	None
LOC advance fee	$5	per transaction	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

Nov 3, 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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