Gather Federal Credit Union

Headquarters: Lihue, Hawaii
Charter: Credit Union
Assets: $934.5M
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.

Overdraft (OD)
Gather Federal Credit Union: $12.50
Gather Federal Credit Union: $12.50
U.S. median: no median
NSF / Returned Item
Gather Federal Credit Union: $12.50
Gather Federal Credit Union: $12.50
U.S. median: no median
Wire Transfer (Domestic Out)
Gather Federal Credit Union: $40
Gather Federal Credit Union: $40
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.

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 Gather Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee (Accounts closed within 90 days) (audience not stated, treated as personal)$25
Early Closure Fee (closed within 90 days)$25
Dormant Account Fee (inactive for one (1) year or more)$5
Not compared: Quarterly charge, not monthly
per quarter
Research Fee/Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee/Account Reconciliation Fee | $25 per hour
Invalid Address Fee$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdraft Fee$12.50
per item
Return Fee (Non-Sufficient Funds)$12.50
per item
Overdraft Transfer Fee$1
per item

ATM & Card

If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle wi$4.99
Not compared: Monthly charge, not per item
per month
Replacement Fee$5
per item
Expedited Card Order Fee$25
per item

Wire Transfers

Outgoing Domestic Wire Transfer Fee$40
Incoming Domestic Wire Transfer Fee$10
per item
Incoming International Wire Transfer Fee$10
per item

Check Services

Teller Check Fee (after the 3rd check per day)$2
per item
Money Order Fee (after the 3rd money order per day)$2
per item
Credit Union Check Stop Payment / Declaration of Loss Fee$25
per item
Stop Payment Fee$20
per item
Teller Check Stop Payment/ Declaration of Loss Fee$25
per item
Temporary Checks (sheet of 4)$1
per item
Check copy / Copy Fee (audience not stated, treated as personal)$5
per item
Check Copy Fee$5
per item
Credit Union Check Copy Fee$5
per item
Teller Check Copy Fee$5
per item

Cash & Deposit

Deposited Checks Return Fee (all checks deposited) (audience not stated, treated as personal)$25
per item
Returned Check Deposit Fee$25
per item

Account Services

Legal Processing Fee (e.g. liens, levies, garnishments, or any form of legal attachment or execution)$50
per item
Legal Processing Fee$50
per item

Other Fees

Statement Copy Fee$5
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy Fee | $5 per statement

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (Accounts closed within 90 days) (audience not stated, treated as personal)	$25	Not stated	None
Early Closure Fee (closed within 90 days)	$25	Not stated	None
Dormant Account Fee (inactive for one (1) year or more)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Research Fee/Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	Research Fee/Account Reconciliation Fee \| $25 per hour
Invalid Address Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdraft Fee	$12.50	per item	None
Return Fee (Non-Sufficient Funds)	$12.50	per item	None
Overdraft Transfer Fee	$1	per item	None
ATM & Card
If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle wi	$4.99Not compared: Monthly charge, not per item	per month	None
Replacement Fee	$5	per item	None
Expedited Card Order Fee	$25	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$40	Not stated	None
Incoming Domestic Wire Transfer Fee	$10	per item	None
Incoming International Wire Transfer Fee	$10	per item	None
Check Services
Teller Check Fee (after the 3rd check per day)	$2	per item	None
Money Order Fee (after the 3rd money order per day)	$2	per item	None
Credit Union Check Stop Payment / Declaration of Loss Fee	$25	per item	None
Stop Payment Fee	$20	per item	None
Teller Check Stop Payment/ Declaration of Loss Fee	$25	per item	None
Temporary Checks (sheet of 4)	$1	per item	None
Check copy / Copy Fee (audience not stated, treated as personal)	$5	per item	None
Check Copy Fee	$5	per item	None
Credit Union Check Copy Fee	$5	per item	None
Teller Check Copy Fee	$5	per item	None
Cash & Deposit
Deposited Checks Return Fee (all checks deposited) (audience not stated, treated as personal)	$25	per item	None
Returned Check Deposit Fee	$25	per item	None
Account Services
Legal Processing Fee (e.g. liens, levies, garnishments, or any form of legal attachment or execution)	$50	per item	None
Legal Processing Fee	$50	per item	None
Other Fees
Statement Copy Fee	$5Not compared: Charged per statement; comparison unavailable	per statement	Statement Copy Fee \| $5 per statement

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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 Gather Federal Credit Union's early account closure changes in our data

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