Wailuku Federal Credit Union

Headquarters: Kahului, Hawaii
Charter: Credit Union
Assets: $135.4M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 5, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Wailuku Federal Credit Union: $10
Wailuku Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Wailuku Federal Credit Union: $25
Wailuku Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Wailuku Federal Credit Union: $25
Wailuku Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Wailuku Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Maintenance Fee (accounts below $50)$10
Account Early Closure Administration Fee (if closed within 6 months of opening)$25
Dormant Inactive Account (No activity for 12 months)No charge
Account Reconciliation Research (per hour)$50
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Invalid Address$10

Overdraft & NSF

Courtesy Pay (per item)$25
per item
Insufficient Funds Fee$25
Return Item Fee$25
Return Item Fee (per item)$25
per item

ATM & Card

Debit/ATM Card - Replacement$10
Debit Card - Expedited Shipping$50

Wire Transfers

Wire Transfer - Domestic Outgoing$25
Wire Transfer - Domestic IncomingNo charge

Check Services

Cashier's Check (to a third party)$3
ACH Stop Payment$25
Stop Payment of Share Draft (per item)$25
per item
Cleared Draft Copy (per item)$5
per item
Copy/Print out- Check, Statement$5

Cash & Deposit

Deposit Item ReturnNo charge

Account Services

Notary (Member)No charge
Notary (Non-Member)$5
Garnishment Processing (per order)$30
per item
Levy Processing (per notice)$30
per item
Other Legal Process$30

Other Fees

Photocopy Fee$2

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee (accounts below $50)	$10	Not stated	None
Account Early Closure Administration Fee (if closed within 6 months of opening)	$25	Not stated	None
Dormant Inactive Account (No activity for 12 months)	No charge	Not stated	None
Account Reconciliation Research (per hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Invalid Address	$10	Not stated	None
Overdraft & NSF
Courtesy Pay (per item)	$25	per item	None
Insufficient Funds Fee	$25	Not stated	None
Return Item Fee	$25	Not stated	None
Return Item Fee (per item)	$25	per item	None
ATM & Card
Debit/ATM Card - Replacement	$10	Not stated	None
Debit Card - Expedited Shipping	$50	Not stated	None
Wire Transfers
Wire Transfer - Domestic Outgoing	$25	Not stated	None
Wire Transfer - Domestic Incoming	No charge	Not stated	None
Check Services
Cashier's Check (to a third party)	$3	Not stated	None
ACH Stop Payment	$25	Not stated	None
Stop Payment of Share Draft (per item)	$25	per item	None
Cleared Draft Copy (per item)	$5	per item	None
Copy/Print out- Check, Statement	$5	Not stated	None
Cash & Deposit
Deposit Item Return	No charge	Not stated	None
Account Services
Notary (Member)	No charge	Not stated	None
Notary (Non-Member)	$5	Not stated	None
Garnishment Processing (per order)	$30	per item	None
Levy Processing (per notice)	$30	per item	None
Other Legal Process	$30	Not stated	None
Other Fees
Photocopy Fee	$2	Not stated	None

Correct a fee source

Oct 5, 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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