Ko`Olau Federal Credit Union

Headquarters: Kailua, Hawaii
Charter: Credit Union
Assets: $103.9M
Fed district: San Francisco

16 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)
Ko`Olau Federal Credit Union: $29
Ko`Olau Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Ko`Olau Federal Credit Union: $29
Ko`Olau Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
Ko`Olau Federal Credit Union: $1
Ko`Olau 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 Ko`Olau Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (if account closed within 13 months of opening)$25
Dormant Account (after 12 months of no account activity)$5
per month
Research or Account Reconciliation$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$5
per month
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Overdraft$29
per item
Overdraft (OD)$29
per item
Items Returned for Insufficient Funds (NSF)$29

ATM & Card

ATM Withdrawals/Balance Inquiries$1
per item
ATM or Debit Card Replacement$10
International Transaction Fee1%of the transaction

Wire Transfers

Bank Wire (outgoing) Domestic$20
per item
Bank Wire (incoming)No charge

Check Services

Credit Union Cashier’s Check$3
per item
Money Orders$3
per item
Stop Payment (all items)$29
per item
Temporary Checks$5
per item · per page
Temporary Checks (4 checks per page)$5
Not compared: Charged per page; comparison unavailable
per page
On-Us Check Cashing$10
per item
Copy of Check or Statement$2
per item

Digital & Electronic

Same Day Bill Pay$9.95
Not compared: Per-transaction charge, not monthly
per transaction

Cash & Deposit

Coin Machine4%

Other Fees

Copy of Credit Union Documents$2
per item
Skip a Payment (1 time per year) for loans in good standing- Consumer and Non-Real Estate Loans$35
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (if account closed within 13 months of opening)	$25	Not stated	None
Dormant Account (after 12 months of no account activity)	$5	per month	None
Research or Account Reconciliation	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$5	per month	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Overdraft	$29	per item	None
Overdraft (OD)	$29	per item	None
Items Returned for Insufficient Funds (NSF)	$29	Not stated	None
ATM & Card
ATM Withdrawals/Balance Inquiries	$1	per item	None
ATM or Debit Card Replacement	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Bank Wire (outgoing) Domestic	$20	per item	None
Bank Wire (incoming)	No charge	Not stated	None
Check Services
Credit Union Cashier’s Check	$3	per item	None
Money Orders	$3	per item	None
Stop Payment (all items)	$29	per item	None
Temporary Checks	$5	per item	per page
Temporary Checks (4 checks per page)	$5Not compared: Charged per page; comparison unavailable	per page	None
On-Us Check Cashing	$10	per item	None
Copy of Check or Statement	$2	per item	None
Digital & Electronic
Same Day Bill Pay	$9.95Not compared: Per-transaction charge, not monthly	per transaction	None
Cash & Deposit
Coin Machine	4%	Not stated	None
Other Fees
Copy of Credit Union Documents	$2	per item	None
Skip a Payment (1 time per year) for loans in good standing- Consumer and Non-Real Estate Loans	$35Not compared: Annual charge, not per item	per year	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.

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