24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Fresh Start Checking Account
Overdraft (OD)
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Cinfed Federal Credit Union · $863M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cinfed Federal Credit Union(this institution) | Cincinnati, OH | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| All One Federal Credit Union | Leominster, MA | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ardent Federal Credit Union | Phila, PA | $869M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atomic Federal Credit Union | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Azura Federal Credit Union | Topeka, KS | $852M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boulder Dam Federal Credit Union | Boulder City, NV | $872M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central One Federal Credit Union | Shrewsbury, MA | $872M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communitywide Federal Credit Union | South Bend, IN | $874M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heritage Family Federal Credit Union | Rutland, VT | $870M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hope Federal Credit Union | Jackson, MS | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Savings Federal Credit Union | Hampden, ME | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merced School Employees Federal Credit Union | Merced, CA | $899M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oceanair Federal Credit Union | Oxnard, CA | $882M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pfcu Federal Credit Union | Portland, MI | $873M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sacramento Federal Credit Union | Sacramento, CA | $858M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Skyone Federal Credit Union | Hawthorne, CA | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Airlines Federal Credit Union | Dallas, TX | $861M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sun Community Federal Credit Union | El Centro, CA | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Triangle Federal Credit Union | Nashua, NH | $866M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7.50 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Cinfed Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
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per hour · Research Fee | $33.00/hour
per month
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per year
per year
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per year
| 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
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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