Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Gather Federal Credit Union

Lihue, HawaiiCredit UnionSan Francisco Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Maintenance Fee (If, during any statement cycle (month), your account balance falls below $100.00)$12Above the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee$12.50Below the typical range ($25–$33 nationally)
$17.50 below the national median$12.50 below the Hawaii median
per item · Source
Return Fee (Non-Sufficient Funds)$12.50Below the typical range ($25–$32 nationally)
$17.50 below the national median$12.50 below the Hawaii median
per item · Source
Overdraft Transfer Fee$1Below the typical range ($2.50–$5 nationally)
$4 below the national median$2 below the Hawaii median
per item · Source

ATM & CardVerified

If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle wi$4.99Above the typical range ($1–$2.25 nationally)
$3.49 above the national median$3.99 above the Hawaii median
per month · Source
Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Hawaii median
per item · Source
Expedited Card Order Fee$25Below the typical range ($30–$50 nationally)
$15 below the national median$20 below the Hawaii median
per item · Source

Wire TransfersVerified

Outgoing Domestic Wire Transfer Fee$40Above the typical range ($20–$25 nationally)
$15 above the national median$15 above the Hawaii median
Source
Incoming Domestic Wire Transfer Fee$10Within the typical range ($5–$15 nationally)
At the national median$5 above the Hawaii median
per item · Source
Incoming International Wire Transfer Fee$10Within the typical range ($10–$25 nationally)
$10 below the national median
per item · Source

Check ServicesVerified

Teller Check Fee (after the 3rd check per day)$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Hawaii median
per item · Source
Money Order Fee (after the 3rd money order per day)$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Hawaii median
per item · Source
Stop Payment Fee$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$5 below the Hawaii median
per item · Source
Teller Check Stop Payment/ Declaration of Loss Fee$25Within the typical range ($20–$30 nationally)
$2.50 below the national medianAt the Hawaii median
per item · Source
Temporary Checks (sheet of 4)$1Within the typical range ($1–$4 nationally)
$1 below the national median$1 below the Hawaii median
per item · Institution’s schedule
Check Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Hawaii median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Maintenance Fee (If, during any statement cycle (month), your account balance falls below $100.00)	$12Above the typical range ($4–$10 nationally)	$6 above the national median$6.50 above the Hawaii median	—	—	Source
Maintenance Fee (If, during any statement cycle (month), your account balance falls below $3,000.00)	$17Above the typical range ($4–$10 nationally)	$11 above the national median$11.50 above the Hawaii median	—	—	Source
Early Closure Fee (closed within 90 days)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national medianAt the Hawaii median	—	—	Source
Dormant Account Fee (inactive for one (1) year or more)	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Hawaii median	per quarter	—	Source
Invalid Address Fee	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$10 below the Hawaii median	per quarter	Knox extract.rules v33 categorized a line held for review from Rosetta artifact #116. canonical_hint=account_research; text_hash=c8ea20b76efb7401bb36c3c7a34de3cad814cff01e76da028d39eaec27fb0702; excerpt="Invalid Address Fee \| $5 per quarter"	Source
Research Fee/Account Reconciliation Fee	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$10 above the Hawaii median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee	$12.50Below the typical range ($25–$33 nationally)	$17.50 below the national median$12.50 below the Hawaii median	per item	—	Source
Return Fee (Non-Sufficient Funds)	$12.50
ATM & CardVerified
If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle wi	$4.99Above the typical range ($1–$2.25 nationally)	$3.49 above the national median$3.99 above the Hawaii median	per month	—	Source
Replacement Fee	$5
Wire TransfersVerified
Outgoing Domestic Wire Transfer Fee	$40Above the typical range ($20–$25 nationally)	$15 above the national median$15 above the Hawaii median	—	—	Source
Incoming Domestic Wire Transfer Fee	$10
Check ServicesVerified
Teller Check Fee (after the 3rd check per day)	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Hawaii median	per item	—	Source
Money Order Fee (after the 3rd money order per day)	$2
Cash & DepositVerified
Deposited Checks Return Fee (all checks deposited)	$25Within the typical range ($8–$25 nationally)	$10 above the national median$10 above the Hawaii median	per item	—	Source
Account ServicesVerified
Safe Deposit Box Key Deposit	$14Below the typical range ($30–$70 nationally)	$31 below the national median$39.75 below the Hawaii median	—	—	Source
Legal Processing Fee (e.g. liens, levies, garnishments, or any form of legal attachment or execution)	$50
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median$3 above the Hawaii median	—	—	Source

Against San Francisco Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$12.50
Of 187 others that publish it, 14 lower and 173 higher.
Monthly maintenance
$14.50
Of 144 others that publish it, 136 lower and 8 higher.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$934.5M

Total deposits

$841.5M

Service charge income (year to date)

$1.1M

Fee income ratio

4.2%

Return on assets

1.57%

Financial profile · Pro

Performance from regulator filings

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Based on 65,454 published fee entries from 3,597 institutions

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