Cinfed Federal Credit Union

Headquarters: Cincinnati, Ohio
Charter: Credit Union
Assets: $863.2M
Fed district: Cleveland

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Fresh Start Checking Account
Cinfed Federal Credit Union: $10
Cinfed Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Cinfed Federal Credit Union: $18
Cinfed Federal Credit Union: $18
U.S. median: no median
Wire Transfer (Domestic Out)
Cinfed Federal Credit Union: $30
Cinfed Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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

Account Maintenance

Fresh Start Checking Account Monthly Fee$10
per month
Inactive Monthly Fee$10
per month
Bad Address Monthly Fee$5
Not compared: Monthly charge, not per item
per month
Research Fee$33
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee | $33.00/hour
Monthly Paper Statement Fees (Excluding Minors & 65+)$2
per month
Bad Address Monthly Fee$5
per month

Overdraft & NSF

Overdraft, Non-sufficient Funds$18

ATM & Card

Instant Issue Replacement Debit Card$25
Mailed Replacement Debit Card$15

Wire Transfers

Domestic Outgoing Wire (audience not stated, treated as personal)$30
Incoming Wire (audience not stated, treated as personal)$10
Outgoing International Wire (audience not stated, treated as personal)$50

Check Services

Official Checks$5
Money Orders (Age 65+ = $2.00)$4
Stop Payment Order$33
Counter Checks (4 per sheet)$5
per item
Copies of Statements or Paid Checks$3

Digital & Electronic

ACH Origination Fee (audience not stated, treated as personal)$20
Online Bill Pay Monthly Service FeeNo charge
per month
Mobile Deposit FeeNo charge

Cash & Deposit

Coin Machine Usage (Excluding Minors)10%
Deposited Item Returned$33

Account Services

Box Lock Drilling Fee$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$115
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$115
Safe Deposit Box 3 x 10$50
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$50
Safe Deposit Box 3 x 5$35
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$35
Safe Deposit Box 5 x 10$80
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$80
Safe Deposit Box 5 x 5$40
per year
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$40
Legal Garnishment/Tax Levy$50
Loan Subordination Fee$250

Lending Fees

Consumer Loan Late Fee$33
Mortgage Loan Late Fee (audience not stated, treated as personal)$50

Retirement & IRA

IRA Early Distribution$33

Other Fees

Research Copy Fee$3
Not compared: Charged per page; comparison unavailable
per page · Research Copy Fee | $3.00/page
Overdraft from RCA Line of Credit$5

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Account Monthly Fee	$10	per month	None
Inactive Monthly Fee	$10	per month	None
Bad Address Monthly Fee	$5Not compared: Monthly charge, not per item	per month	None
Research Fee	$33Not compared: Charged per hour; comparison unavailable	per hour	Research Fee \| $33.00/hour
Monthly Paper Statement Fees (Excluding Minors & 65+)	$2	per month	None
Bad Address Monthly Fee	$5	per month	None
Overdraft & NSF
Overdraft, Non-sufficient Funds	$18	Not stated	None
ATM & Card
Instant Issue Replacement Debit Card	$25	Not stated	None
Mailed Replacement Debit Card	$15	Not stated	None
Wire Transfers
Domestic Outgoing Wire (audience not stated, treated as personal)	$30	Not stated	None
Incoming Wire (audience not stated, treated as personal)	$10	Not stated	None
Outgoing International Wire (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Money Orders (Age 65+ = $2.00)	$4	Not stated	None
Stop Payment Order	$33	Not stated	None
Counter Checks (4 per sheet)	$5	per item	None
Copies of Statements or Paid Checks	$3	Not stated	None
Digital & Electronic
ACH Origination Fee (audience not stated, treated as personal)	$20	Not stated	None
Online Bill Pay Monthly Service Fee	No charge	per month	None
Mobile Deposit Fee	No charge	Not stated	None
Cash & Deposit
Coin Machine Usage (Excluding Minors)	10%	Not stated	None
Deposited Item Returned	$33	Not stated	None
Account Services
Box Lock Drilling Fee	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$115	per year	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$115	Not stated	None
Safe Deposit Box 3 x 10	$50	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3 x 5	$35	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 5 x 10	$80	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$80	Not stated	None
Safe Deposit Box 5 x 5	$40	per year	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$40	Not stated	None
Legal Garnishment/Tax Levy	$50	Not stated	None
Loan Subordination Fee	$250	Not stated	None
Lending Fees
Consumer Loan Late Fee	$33	Not stated	None
Mortgage Loan Late Fee (audience not stated, treated as personal)	$50	Not stated	None
Retirement & IRA
IRA Early Distribution	$33	Not stated	None
Other Fees
Research Copy Fee	$3Not compared: Charged per page; comparison unavailable	per page	Research Copy Fee \| $3.00/page
Overdraft from RCA Line of Credit	$5	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

Nov 1, 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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