Cheney Federal Credit Union

Headquarters: Cheney, Washington
Charter: Credit Union
Assets: $147.9M
Fed district: San Francisco

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Share Value
Cheney Federal Credit Union: $5
Cheney Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Cheney Federal Credit Union: $25
Cheney Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Cheney Federal Credit Union: $20
Cheney Federal Credit Union: $20
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 Washington, 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).
Washington: Banks and credit unions headquartered in Washington 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Cheney Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Share Draft Checking Service Monthly service charge$5
per month
Membership Closure$20
Escheatment Fee$75
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF ( Non-Sufficient Funds)$25
Checking Overdraft/Transfer$1
per item

ATM & Card

Replacement of Lost Debit or Credit Card$5

Wire Transfers

Domestic Wire Transfer$20
per item
International Wire Transfer$40
per item

Check Services

Cashier’s Check$5
per item
Money Order$2
per item
Stop Payment (Checks and ACH)$25
per item
Check Copy$2
per item

Account Services

Drilling of Boxes$150
Not compared: Box drilling or key fee
Replace One Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10″X10″X24″$65
per year
Safe Deposit Box 3″X10″X24″$35
per year
Safe Deposit Box 3″X5″X24″$20
per year
Safe Deposit Box 5″X10″X24″$40
per year
Safe Deposit Box 5″X5″X24″$25
per year

Lending Fees

Consumer Loan Late Fee$20
Not compared: Monthly charge, not per item
per month
Mortgage Loan Late Fee$18
Credit Report Fee$20

Gift & Prepaid Cards

VISA Gift Card$2
per item

Other Fees

Loan Payment by Debit Card by Phone$10
Loan Payment by Debit Card Online$5

Fee	Amount	Basis	Note
Account Maintenance
Share Draft Checking Service Monthly service charge	$5	per month	None
Membership Closure	$20	Not stated	None
Escheatment Fee	$75	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF ( Non-Sufficient Funds)	$25	Not stated	None
Checking Overdraft/Transfer	$1	per item	None
ATM & Card
Replacement of Lost Debit or Credit Card	$5	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	per item	None
International Wire Transfer	$40	per item	None
Check Services
Cashier’s Check	$5	per item	None
Money Order	$2	per item	None
Stop Payment (Checks and ACH)	$25	per item	None
Check Copy	$2	per item	None
Account Services
Drilling of Boxes	$150Not compared: Box drilling or key fee	Not stated	None
Replace One Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10″X10″X24″	$65	per year	None
Safe Deposit Box 3″X10″X24″	$35	per year	None
Safe Deposit Box 3″X5″X24″	$20	per year	None
Safe Deposit Box 5″X10″X24″	$40	per year	None
Safe Deposit Box 5″X5″X24″	$25	per year	None
Lending Fees
Consumer Loan Late Fee	$20Not compared: Monthly charge, not per item	per month	None
Mortgage Loan Late Fee	$18	Not stated	None
Credit Report Fee	$20	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$2	per item	None
Other Fees
Loan Payment by Debit Card by Phone	$10	Not stated	None
Loan Payment by Debit Card Online	$5	Not stated	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

Get an email when Cheney Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.