Illinois State Police Federal Credit Union

Headquarters: Springfield, Illinois
Charter: Credit Union
Assets: $126.9M
Fed district: Chicago

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

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

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Fees against the market

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

Monthly Maintenance
Illinois State Police Federal Credit Union: No fee
Illinois State Police Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
Compared at $30, the middle of its prices
Illinois State Police Federal Credit Union: $30 to $35
Illinois State Police Federal Credit Union: $30 to $35
U.S. median: no median
Wire Transfer (Domestic Out)
Illinois State Police Federal Credit Union: $15
Illinois State Police Federal Credit Union: $15
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 Illinois, the Chicago 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).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Illinois State Police Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly FeeNo charge
per month
Minimum Balance FeeNo charge
Dormant Account Fee (total share balances less than $1,000)$5
Account Balancing Fee (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5

Overdraft & NSF

E-Pay Insufficient Funds Fee$35
Insufficient Funds Fee$30
Non-sufficient Payment Fee$30

ATM & Card

Card Replacement Fee$10
Debit Card Replacement Fee$10
Debit Card Replacement Fee for Heritage Account HoldersNo charge
Debit Card Rush Fee$50

Wire Transfers

Outgoing Domestic Wire Transfers$15
Incoming Domestic Wire TransfersNo charge

Check Services

Cashier’s Check/Official Check$2
Stop Payment on a Check$20
Stop Payment on a Check for Heritage Account Holders$10
Stop Payment on ACH Item for Heritage Account Holders$10
Stop Payment on an ACH Item$20
Stop Payment on E-Pay Item$20
Non-Member Check Cashing Fee$10
Foreign Check Collection Fee$20

Digital & Electronic

One-Time Same Day ACH Loan Payment Fee$5
one time
E-Pay Online Bill PaymentNo charge

Account Services

NotaryNo charge
Notary for Non-Member (per item)$5
per item
Garnishment/Lien/Levy Processing Fee$100

Lending Fees

FREE Mortgage Loan Late Fee (audience not stated, treated as personal)4%
Late Fee$25
Late Fee (audience not stated, treated as personal)5%

Gift & Prepaid Cards

ISPFCU Visa Gift Card$5

Other Fees

Statement Copy$2
ISPFCU Debit Card: Skip-a-Pay$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Minimum Balance Fee	No charge	Not stated	None
Dormant Account Fee (total share balances less than $1,000)	$5	Not stated	None
Account Balancing Fee (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
E-Pay Insufficient Funds Fee	$35	Not stated	None
Insufficient Funds Fee	$30	Not stated	None
Non-sufficient Payment Fee	$30	Not stated	None
ATM & Card
Card Replacement Fee	$10	Not stated	None
Debit Card Replacement Fee	$10	Not stated	None
Debit Card Replacement Fee for Heritage Account Holders	No charge	Not stated	None
Debit Card Rush Fee	$50	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfers	$15	Not stated	None
Incoming Domestic Wire Transfers	No charge	Not stated	None
Check Services
Cashier’s Check/Official Check	$2	Not stated	None
Stop Payment on a Check	$20	Not stated	None
Stop Payment on a Check for Heritage Account Holders	$10	Not stated	None
Stop Payment on ACH Item for Heritage Account Holders	$10	Not stated	None
Stop Payment on an ACH Item	$20	Not stated	None
Stop Payment on E-Pay Item	$20	Not stated	None
Non-Member Check Cashing Fee	$10	Not stated	None
Foreign Check Collection Fee	$20	Not stated	None
Digital & Electronic
One-Time Same Day ACH Loan Payment Fee	$5	one time	None
E-Pay Online Bill Payment	No charge	Not stated	None
Account Services
Notary	No charge	Not stated	None
Notary for Non-Member (per item)	$5	per item	None
Garnishment/Lien/Levy Processing Fee	$100	Not stated	None
Lending Fees
FREE Mortgage Loan Late Fee (audience not stated, treated as personal)	4%	Not stated	None
Late Fee	$25	Not stated	None
Late Fee (audience not stated, treated as personal)	5%	Not stated	None
Gift & Prepaid Cards
ISPFCU Visa Gift Card	$5	Not stated	None
Other Fees
Statement Copy	$2	Not stated	None
ISPFCU Debit Card: Skip-a-Pay	$30	Not stated	None

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

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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