Northern Illinois Federal Credit Union

Headquarters: Dekalb, Illinois
Charter: Credit Union
Assets: $18.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
Northern Illinois Federal Credit Union: $40
Northern Illinois Federal Credit Union: $40
U.S. median: no median
Non-Network ATM
Northern Illinois Federal Credit Union: $1
Northern Illinois Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Northern Illinois Federal Credit Union: $25
Northern Illinois 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 15, 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 Northern Illinois Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing a share savings (within 180 days of opening)$20
Dormant fee$10
Research fee (per hour: one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements (monthly: waived if younger than 18, older than 65 or if $1,500 is maintained in regular shares(savings))$3
per month
Returned mail (per item)$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non Sufficient Funds (NSF)/Courtesy Pay Fee (per each item: ACH, ATM/debit, share drafts)$40
per item
Auto overdraft transfer (Once per day when an overdraft transfer occurs)$7
Not compared: Daily charge, not per item
per day

ATM & Card

ATM foreign withdraw (per withdraw)$1
ATM/debit card replacement$10

Wire Transfers

Domestic wire fee$25
International wire fee$40

Check Services

Cashiers check fee (if payable to third-party)$2
Stop payment on check(s) or direct debit item (per item/continuous series)$30
per item
Non-member check cashing$10

Account Services

Garnishment/levy$35
Home equity subordination$100

Lending Fees

Loan payment late fee (9 days grace) (loans issued prior to February 1, 2015: late fee is $10)$25

Gift & Prepaid Cards

Gift cards ($10-$1,000)$4

Other Fees

Duplicate statements (fee covers 3 months)$7
Mini loan application fee$20
Return deposit:self/returned loan payment$35

Fee	Amount	Basis	Note
Account Maintenance
Closing a share savings (within 180 days of opening)	$20	Not stated	None
Dormant fee	$10	Not stated	None
Research fee (per hour: one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements (monthly: waived if younger than 18, older than 65 or if $1,500 is maintained in regular shares(savings))	$3	per month	None
Returned mail (per item)	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non Sufficient Funds (NSF)/Courtesy Pay Fee (per each item: ACH, ATM/debit, share drafts)	$40	per item	None
Auto overdraft transfer (Once per day when an overdraft transfer occurs)	$7Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM foreign withdraw (per withdraw)	$1	Not stated	None
ATM/debit card replacement	$10	Not stated	None
Wire Transfers
Domestic wire fee	$25	Not stated	None
International wire fee	$40	Not stated	None
Check Services
Cashiers check fee (if payable to third-party)	$2	Not stated	None
Stop payment on check(s) or direct debit item (per item/continuous series)	$30	per item	None
Non-member check cashing	$10	Not stated	None
Account Services
Garnishment/levy	$35	Not stated	None
Home equity subordination	$100	Not stated	None
Lending Fees
Loan payment late fee (9 days grace) (loans issued prior to February 1, 2015: late fee is $10)	$25	Not stated	None
Gift & Prepaid Cards
Gift cards ($10-$1,000)	$4	Not stated	None
Other Fees
Duplicate statements (fee covers 3 months)	$7	Not stated	None
Mini loan application fee	$20	Not stated	None
Return deposit:self/returned loan payment	$35	Not stated	None

Correct a fee source

Oct 15, 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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