vs. U.S. typical range:LowerTypicalHigher
$7.50 above the national medianAt the Hawaii median
At the national medianAt the Hawaii median
per month · Source
$12.50 above the national median$15 above the Hawaii median
$12.50 below the national median$10 below the Hawaii median
per item · Source
$2 above the national median$3 above the Hawaii median
per month · Source
$1 below the national median$4 above the Hawaii median
per item · Source
$1 below the national median$4 above the Hawaii median
per item · Source
$20.01 below the national median$15.01 below the Hawaii median
per item · Source
$1 below the national median$4 above the Hawaii median
$0.50 below the national medianAt the Hawaii median
per item · Source
At the national medianAt the Hawaii median
—
$5 below the national median$5 below the Hawaii median
per item · Source
$10 below the national median$5 below the Hawaii median
$2 below the national median$2 below the Hawaii median
per item · Source
$1 above the national median$1 above the Hawaii median
per item · Source
$1.50 above the national median$4 above the Hawaii median
per item · Source
$3 above the national median$3 above the Hawaii median
per item · per page · Institution’s schedule
$3 above the national median$3 above the Hawaii median
per item · Source
$5 above the national median$5 above the Hawaii median
per item · Source
$1 below the national median$1 below the Hawaii median
per item · Source
$7.45 above the national median$3.97 above the Hawaii median
per transaction · Source
—
$2.50 below the national median
per year · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Early Account Closure (if account closed within 13 months of opening) | $25Within the typical range ($10–$25 nationally) | $7.50 above the national medianAt the Hawaii median | — | — | Source |
| Dormant Account (after 12 months of no account activity) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Hawaii median | per month | — | Source |
| Research or Account Reconciliation | $30Above the typical range ($11.38–$25 nationally) | $12.50 above the national median$15 above the Hawaii median | — | — | Source |
| Returned Mail | $5Below the typical range ($11.38–$25 nationally) | $12.50 below the national median$10 below the Hawaii median | per item | — | Source |
| Paper Statement | $5Above the typical range ($2–$4.68 nationally) | $2 above the national median$3 above the Hawaii median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Overdraft | $29Within the typical range ($25–$33 nationally) | $1 below the national median$4 above the Hawaii median | per item | — | Source |
| If multiple items overdraw your account on the same day, each item will be assessed an appropriate Paid Courtesy Pay Fee | $29 | ||||
ATM & CardVerified | |||||
| ATM Withdrawals/Balance Inquiries | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national medianAt the Hawaii median | per item | — | Source |
| ATM or Debit Card Replacement | $10 | ||||
Wire TransfersVerified | |||||
| Bank Wire (outgoing) Domestic | $20Within the typical range ($20–$25 nationally) | $5 below the national median$5 below the Hawaii median | per item | — | Source |
| Bank Wire (incoming) | $0 | ||||
Check ServicesVerified | |||||
| Credit Union Cashier’s Check | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Hawaii median | per item | — | Source |
| Money Orders | $3 | ||||
Digital & ElectronicVerified | |||||
| Same Day Bill Pay | $9.95Within the typical range ($0–$9.95 nationally) | $7.45 above the national median$3.97 above the Hawaii median | per transaction | — | Source |
Cash & DepositVerified | |||||
| Coin Machine | 4% | — | — | — | Source |
Other FeesVerified | |||||
| Skip a Payment (1 time per year) for loans in good standing- Consumer and Non-Real Estate Loans | $35Within the typical range ($25–$100 nationally) | $2.50 below the national median | per year | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$29.00
Of 187 others that publish it, 125 lower, 16 the same and 46 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$29
Headline fees published
10 of 15
Published fees
22
Under review
0
Assets
$103.9M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$103.9M
Total deposits
$93.3M
Service charge income (year to date)
$144K
Fee income ratio
5.4%
Return on assets
1.09%
Financial profile · Pro
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| $1 below the national median$4 above the Hawaii median |
| per item |
| — |
| Source |
| Overdraft Protection link to another deposit account you have at Ko'olau Federal Credit Union | $9.99Below the typical range ($25–$33 nationally) | $20.01 below the national median$15.01 below the Hawaii median | per item | — | Source |
| Items Returned for Insufficient Funds (NSF) | $29Within the typical range ($25–$32 nationally) | $1 below the national median$4 above the Hawaii median | — | — | Source |
| At the national medianAt the Hawaii median |
| — |
| — |
| Source |
| International Transaction Fee | 1%of the transaction | — | — | — | Source |
| $10 below the national median$5 below the Hawaii median |
| — |
| — |
| Source |
| $1 above the national median$1 above the Hawaii median |
| per item |
| — |
| Source |
| Stop Payment (all items) | $29Within the typical range ($20–$30 nationally) | $1.50 above the national median$4 above the Hawaii median | per item | — | Source |
| Temporary Checks | $5Above the typical range ($1–$4 nationally) | $3 above the national median$3 above the Hawaii median | per item | per page | Institution’s schedule |
| Temporary Checks (4 checks per page) | $5Above the typical range ($1–$4 nationally) | $3 above the national median$3 above the Hawaii median | per item | — | Source |
| On-Us Check Cashing | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Hawaii median | per item | — | Source |
| Copy of Check or Statement | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Hawaii median | per item | — | Source |