Independent Federal Credit Union

Headquarters: Anderson, Indiana
Charter: Credit Union
Assets: $93.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 11, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Independent Federal Credit Union: $35
Independent Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Independent Federal Credit Union: $2
Independent Federal Credit Union: $2
U.S. median: no median
Stop Payment
Independent Federal Credit Union: $35
Independent Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Minimum Balance Fee$3
per month
Early Account Closure Fee$5
Dormant Account Fee$10
per month
Account Reconciliation/Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Attorney Research Fee$50
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address$5
per month

Overdraft & NSF

Courtesy Pay/Overdraft Items$35
per item
Overdraft Privilege/Courtesy Pay Fee$35
Overdraft Protection Transfer$4
per transaction

ATM & Card

ATM Foreign Machine$2
per transaction
Instant Issue Replacement Card$10
Replacement Card Fee$5
per item

Check Services

Official Checks and Money Orders$5
per item
ACH Revoke/Stop Payment$35
Stop Payment [Add or Remove]$35
per item
Counter Checks - 4 per page$2
Not compared: Charged per page; comparison unavailable
per page
Collection Fee/Negative Accounts$15
per item
Check Copy$4
per item

Digital & Electronic

NSF Checks/ACH/Return Items$35
per item
Online BillPayNo charge

Account Services

Notary$2
per transaction
Levies, Carnishments$20
per item
Verification of Deposit$5
per item

Other Fees

Copy of Statement on Letterhead$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee	$3	per month	None
Early Account Closure Fee	$5	Not stated	None
Dormant Account Fee	$10	per month	None
Account Reconciliation/Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10	Not stated	None
Attorney Research Fee	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address	$5	per month	None
Overdraft & NSF
Courtesy Pay/Overdraft Items	$35	per item	None
Overdraft Privilege/Courtesy Pay Fee	$35	Not stated	None
Overdraft Protection Transfer	$4	per transaction	None
ATM & Card
ATM Foreign Machine	$2	per transaction	None
Instant Issue Replacement Card	$10	Not stated	None
Replacement Card Fee	$5	per item	None
Check Services
Official Checks and Money Orders	$5	per item	None
ACH Revoke/Stop Payment	$35	Not stated	None
Stop Payment [Add or Remove]	$35	per item	None
Counter Checks - 4 per page	$2Not compared: Charged per page; comparison unavailable	per page	None
Collection Fee/Negative Accounts	$15	per item	None
Check Copy	$4	per item	None
Digital & Electronic
NSF Checks/ACH/Return Items	$35	per item	None
Online BillPay	No charge	Not stated	None
Account Services
Notary	$2	per transaction	None
Levies, Carnishments	$20	per item	None
Verification of Deposit	$5	per item	None
Other Fees
Copy of Statement on Letterhead	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 11, 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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