Okunity Federal Credit Union

Headquarters: Stillwater, Oklahoma
Charter: Credit Union
Assets: $214.7M
Fed district: Kansas City

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

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

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Fees against the market

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

Monthly Maintenance
Standard Checking (new) $3 · DBA Checking Plus $5
Compared at $4, the middle of its prices
Okunity Federal Credit Union: $3 to $5
Okunity Federal Credit Union: $3 to $5
U.S. median: no median
Overdraft (OD)
Okunity Federal Credit Union: $25
Okunity Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Okunity Federal Credit Union: No fee
Okunity Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma 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 Okunity Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

DBA Checking Plus Monthly service charge (audience not stated, treated as personal)$5
per month
Standard Checking (new) Monthly service charge (audience not stated, treated as personal)$3
per month
Account Closure within 60 days$10
Inactive Account Fee$5
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Money Market & High Yield Money Market Excessive Transfer$5
per item
Money Market & High Yield Money Market Excessive Withdrawal$5
per item
Reg D Excessive Withdrawal$2
per item
Returned Mail Fee (bad address)$5
per month

Overdraft & NSF

Overdrafts$25
per item
Overdraft Transfer FeeNo charge

ATM & Card

Non-proprietary ATM Withdrawal / TransferNo charge
Replacement of Faulty ATM/Debit CardNo charge
Replacement of Lost ATM/Debit Card$10
per item
ATM/Debit Card Rush$50
per item
International Service Assessment Fee (ISA)2%of the transaction

Wire Transfers

Domestic Wire Outgoing$20
per item
Wire Transfer (outgoing)$20
per item
Domestic Wire Incoming$10
per item
Wire Transfer (incoming)$10
per item

Check Services

Corporate Check$3
per item
Stop Payment$25
per item
Temporary Checks$3
per item
Cashing Checks On UsNo charge
Collection Item Fee (Foreign Collection)$35
per item
Domestic Collection Fee$10
per item
Copies of Checks$3
per item

Digital & Electronic

ACH Origination FeeNo charge
ACH Return Item Fee$10
per item

Cash & Deposit

Coin CountingNo charge
Deposited Item Return$10
per item

Account Services

Notary ServiceNo charge
Legal Process Fee (garnishment, etc.)$40
Account Verification Letter$3

Retirement & IRA

IRA Account AdministrationNo charge

Gift & Prepaid Cards

MasterCard Gift Card$3
per item

Other Fees

Certificate Copy of Lien Release$5
per item

Fee	Amount	Basis	Note
Account Maintenance
DBA Checking Plus Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Standard Checking (new) Monthly service charge (audience not stated, treated as personal)	$3	per month	None
Account Closure within 60 days	$10	Not stated	None
Inactive Account Fee	$5	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Money Market & High Yield Money Market Excessive Transfer	$5	per item	None
Money Market & High Yield Money Market Excessive Withdrawal	$5	per item	None
Reg D Excessive Withdrawal	$2	per item	None
Returned Mail Fee (bad address)	$5	per month	None
Overdraft & NSF
Overdrafts	$25	per item	None
Overdraft Transfer Fee	No charge	Not stated	None
ATM & Card
Non-proprietary ATM Withdrawal / Transfer	No charge	Not stated	None
Replacement of Faulty ATM/Debit Card	No charge	Not stated	None
Replacement of Lost ATM/Debit Card	$10	per item	None
ATM/Debit Card Rush	$50	per item	None
International Service Assessment Fee (ISA)	2%of the transaction	Not stated	None
Wire Transfers
Domestic Wire Outgoing	$20	per item	None
Wire Transfer (outgoing)	$20	per item	None
Domestic Wire Incoming	$10	per item	None
Wire Transfer (incoming)	$10	per item	None
Check Services
Corporate Check	$3	per item	None
Stop Payment	$25	per item	None
Temporary Checks	$3	per item	None
Cashing Checks On Us	No charge	Not stated	None
Collection Item Fee (Foreign Collection)	$35	per item	None
Domestic Collection Fee	$10	per item	None
Copies of Checks	$3	per item	None
Digital & Electronic
ACH Origination Fee	No charge	Not stated	None
ACH Return Item Fee	$10	per item	None
Cash & Deposit
Coin Counting	No charge	Not stated	None
Deposited Item Return	$10	per item	None
Account Services
Notary Service	No charge	Not stated	None
Legal Process Fee (garnishment, etc.)	$40	Not stated	None
Account Verification Letter	$3	Not stated	None
Retirement & IRA
IRA Account Administration	No charge	Not stated	None
Gift & Prepaid Cards
MasterCard Gift Card	$3	per item	None
Other Fees
Certificate Copy of Lien Release	$5	per item	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 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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