Northern Kentucky Federal Credit Union

Headquarters: Highland Heights, Kentucky
Charter: Credit Union
Assets: $43.1M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 26, 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 Kentucky Federal Credit Union: $30
Northern Kentucky Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Northern Kentucky Federal Credit Union: $30
Northern Kentucky Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Northern Kentucky Federal Credit Union: $1
Northern Kentucky Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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

Account Maintenance

Dormant Account Fee$20
Not compared: Annual charge, not monthly
per year
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Fee$30
per item
NSF Return Fee$30

ATM & Card

Fee for ATM Transaction$1
per item
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Check Services

Teller Check Fee: 1 free per day, after$1
per item
Money Order Fee$1
per item
Stop Pay Fee$30
per item
Check Cashing Fee1%
Check Cashing Fee (audience not stated, treated as personal)1%
Copy of Share Draft$3
per item

Account Services

Safe Deposit Box Fee$35
per year
IRS Levy Processing Fee$20

Lending Fees

Late Fee for Loans$25
Late Fee for VISA credit cards$20

Other Fees

Statement Copies$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$20Not compared: Annual charge, not monthly	per year	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Fee	$30	per item	None
NSF Return Fee	$30	Not stated	None
ATM & Card
Fee for ATM Transaction	$1	per item	None
International Transaction Fee	1%of the transaction	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Teller Check Fee: 1 free per day, after	$1	per item	None
Money Order Fee	$1	per item	None
Stop Pay Fee	$30	per item	None
Check Cashing Fee	1%	Not stated	None
Check Cashing Fee (audience not stated, treated as personal)	1%	Not stated	None
Copy of Share Draft	$3	per item	None
Account Services
Safe Deposit Box Fee	$35	per year	None
IRS Levy Processing Fee	$20	Not stated	None
Lending Fees
Late Fee for Loans	$25	Not stated	None
Late Fee for VISA credit cards	$20	Not stated	None
Other Fees
Statement Copies	$1Not compared: Charged per page; comparison unavailable	per page	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 26, 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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