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, under $300M

Northern Illinois Federal Credit Union

Dekalb, IllinoisCredit UnionChicago Fed districtFees collected Feb 17, 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

Research fee (per hour: one hour minimum)$30Above the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=account_research; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Research fee (per hour: one hour minimum) | $30" · Source

Returned mail (per item)$10

$15 below the national median

per item · Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=account_research; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Returned mail (per item) | $10" · Source

Overdraft & NSFVerified

Auto overdraft transfer (Once per day when an overdraft transfer occurs)$7Above the typical range ($3–$5 nationally)
$2 above the national median
per day · Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=od_protection_transfer; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Auto overdraft transfer (Once per day when an overdraft transfer occurs) | $7" · Source
Non Sufficient Funds (NSF)/Courtesy Pay Fee (per each item: ACH, ATM/debit, share drafts)$40Above the typical range ($25–$31 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=overdraft; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Non Sufficient Funds (NSF)/Courtesy Pay Fee (per each item: ACH, ATM/debit, share drafts) | $40" · Source

ATM & CardVerified

ATM foreign withdraw (per withdraw)$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=atm_non_network; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="ATM foreign withdraw (per withdraw) | $1" · Source
ATM/debit card replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=card_replacement; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="ATM/debit card replacement | $10" · Source

Check ServicesVerified

Cashiers check fee (if payable to third-party)$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=cashiers_check; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Cashiers check fee (if payable to third-party) | $2" · Source
Non-member check cashing$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=check_cashing; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Non-member check cashing | $10" · Source
Stop payment on check(s) or direct debit item (per item/continuous series)$30Within the typical range ($20–$30 nationally)
$4.50 above the national median
per item · Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=stop_payment; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Stop payment on check(s) or direct debit item (per item/continuous series) | $30" · Source

Account ServicesVerified

Garnishment/levy$35Within the typical range ($30–$75 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=garnishment_levy; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Garnishment/levy | $35" · Source
Home equity subordination$100Within the typical range ($30–$131.13 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=legal_process; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Home equity subordination | $100" · Source

Lending FeesVerified

Loan payment late fee (9 days grace) (loans issued prior to February 1, 2015: late fee is$10Below the typical range ($15–$25 nationally)
$14.25 below the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=late_payment; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Loan payment late fee (9 days grace) (loans issued prior to February 1, 2015: late fee is $10) | $25" · Source

Other FeesVerified

Duplicate statements (fee covers 3 months)$7Above the typical range ($2–$5 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=document_reproduction; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Duplicate statements (fee covers 3 months) | $7" · Source
Mini loan application fee$20Within the typical range ($20–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=other_lending_fee; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Mini loan application fee | $20" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research fee (per hour: one hour minimum)	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=account_research; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Research fee (per hour: one hour minimum) \| $30"	Source
Returned mail (per item)	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	per item	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=account_research; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Returned mail (per item) \| $10"	Source
Overdraft & NSFVerified
Auto overdraft transfer (Once per day when an overdraft transfer occurs)	$7Above the typical range ($3–$5 nationally)	$2 above the national median	per day	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=od_protection_transfer; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Auto overdraft transfer (Once per day when an overdraft transfer occurs) \| $7"	Source

ATM & CardVerified
ATM foreign withdraw (per withdraw)	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=atm_non_network; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="ATM foreign withdraw (per withdraw) \| $1"	Source
ATM/debit card replacement
Check ServicesVerified
Cashiers check fee (if payable to third-party)	$2Below the typical range ($3–$6 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=cashiers_check; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Cashiers check fee (if payable to third-party) \| $2"	Source
Non-member check cashing
Account ServicesVerified
Garnishment/levy	$35Within the typical range ($30–$75 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=garnishment_levy; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Garnishment/levy \| $35"	Source
Home equity subordination	$100
Lending FeesVerified
Loan payment late fee (9 days grace) (loans issued prior to February 1, 2015: late fee is	$10Below the typical range ($15–$25 nationally)	$14.25 below the national median	—	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=late_payment; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Loan payment late fee (9 days grace) (loans issued prior to February 1, 2015: late fee is $10) \| $25"	Source
Other FeesVerified
Duplicate statements (fee covers 3 months)	$7Above the typical range ($2–$5 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #5920. canonical_hint=document_reproduction; text_hash=a6edce78dd0a2936e0adb6b99585848085792aad85399df465f7a4697f7d061e; excerpt="Duplicate statements (fee covers 3 months) \| $7"	Source
Mini loan application fee

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$40

Overdraft fee: $40

33% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$18.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$18.0M

Total deposits

$15.1M

Service charge income (year to date)

$48K

Fee income ratio

7.6%

Return on assets

1.79%

Financial profile · Pro

Performance from regulator filings

Non Sufficient Funds (NSF)/Courtesy Pay Fee (per each item: ACH, ATM/debit, share drafts)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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