Electrical Federal Credit Union

Headquarters: Arvada, Colorado
Charter: Credit Union
Assets: $54.3M
Fed district: Kansas City

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

Source: its fee schedule, read Feb 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Electrical Federal Credit Union: $30
Electrical Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Electrical Federal Credit Union: $30
Electrical Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Electrical Federal Credit Union: $1
Electrical Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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

Account Maintenance

Early Account Closure Fee$25
per item
Dormant Account Fee$5
Not compared: Quarterly charge, not monthly
per quarter
Paper Statement Fee$3
per item

Overdraft & NSF

Courtesy Pay$30
per item
Non-Sufficient Funds Fee$30
per item

ATM & Card

Out-of-Network ATM Fee$1
per transaction
Plastic Card Replacement$10
per item
Expedited Plastic Card Fee$45
per item

Wire Transfers

Out-Going Domestic Wire$30
per item

Check Services

Cashier’s Check$5
per item
MoneyGram Money Order$2
per item
ACH/Check Stop Payment$30
per item
On-Us Check Cashing/Non$5
per item
Canadian Check Deposit$7.50
per item
CU Check Image Copy$5
per item
Member Check Image Copy$3
per item

Digital & Electronic

ACH Origination Fee$5
ACH Returned Item$30
per item

Account Services

Non-Member Notary$5
per item
Garnishments$75
per item
Members | Subordination Fee$100
Subordination Fee$100
per item

Lending Fees

Visa Credit Card Late Fee$25

Other Fees

Fax/Photocopies$1
per item
Statement Copy/Reprint$3
Loan Extension$30
per item
Returned Loan Payment$30
per item
Skip-A-Pay Fee (Holiday)$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee	$25	per item	None
Dormant Account Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Paper Statement Fee	$3	per item	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
Non-Sufficient Funds Fee	$30	per item	None
ATM & Card
Out-of-Network ATM Fee	$1	per transaction	None
Plastic Card Replacement	$10	per item	None
Expedited Plastic Card Fee	$45	per item	None
Wire Transfers
Out-Going Domestic Wire	$30	per item	None
Check Services
Cashier’s Check	$5	per item	None
MoneyGram Money Order	$2	per item	None
ACH/Check Stop Payment	$30	per item	None
On-Us Check Cashing/Non	$5	per item	None
Canadian Check Deposit	$7.50	per item	None
CU Check Image Copy	$5	per item	None
Member Check Image Copy	$3	per item	None
Digital & Electronic
ACH Origination Fee	$5	Not stated	None
ACH Returned Item	$30	per item	None
Account Services
Non-Member Notary	$5	per item	None
Garnishments	$75	per item	None
Members \| Subordination Fee	$100	Not stated	None
Subordination Fee	$100	per item	None
Lending Fees
Visa Credit Card Late Fee	$25	Not stated	None
Other Fees
Fax/Photocopies	$1	per item	None
Statement Copy/Reprint	$3	Not stated	None
Loan Extension	$30	per item	None
Returned Loan Payment	$30	per item	None
Skip-A-Pay Fee (Holiday)	$30	per item	None

Correct a fee source

Feb 17, 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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