Cu Hawaii Federal Credit Union

Headquarters: Hilo, Hawaii
Charter: Credit Union
Assets: $460.3M
Fed district: San Francisco

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

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

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Cu Hawaii Federal Credit Union: $10
Cu Hawaii Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Cu Hawaii Federal Credit Union: $25
Cu Hawaii Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Cu Hawaii Federal Credit Union: $25
Cu Hawaii 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 Hawaii, the San Francisco 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).
Hawaii: Banks and credit unions headquartered in Hawaii that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Cu Hawaii Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$10
per month
Accounts with balances below $50 on the last day of the month$2
per month
Account Closed within 90 days of opening$25
Abandoned Account Fee$10
per month
Inactive Membership (No activity for 12 months)$5
per month
Account Reconciliation (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Money Market Account Excessive Withdrawal$20
per transaction
Bad Address and/or Bad e-mail (one-time fee)$5
Not compared: One-time charge, not monthly
one time

Overdraft & NSF

Courtesy Pay$25
per item
Debit Card Overdraft (audience not stated, treated as personal)$25
per item
Insufficient Funds$25
per item
Online Bill Pay Insufficient Funds (NSF)$25

ATM & Card

ATM Transactions at ATMs Not Owned by the Credit Union$0.50
per transaction
ATM transactions at ATMs not owned by us$0.50
per item
0.80% to 1.00% Plastic Card Replacement$10
Plastic Card Replacement$10
Plastic Card Rush Order$50
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Domestic Outgoing$25
per item
Wire Transfers: International Outgoing$100
per item

Check Services

Cashier’s Checks (audience not stated, treated as personal)$5
per item
Money Order$1
per item
Stop Payments$25
per item
Temporary Checks or Deposit Slips$3
per item
Check Cashing$5
per item
Copy of Check$5
per item

Digital & Electronic

Bill Pay & Zelle$6.95
Not compared: Hourly charge, not monthly
per hour
Online Bill Pay Reactivation$5
Online Bill Pay Rush Payment Services - Overnight Check Fee (rush delivery)$34.95
Second Day Bill Pay Fee (ACH rush delivery)$6.95

Cash & Deposit

Deposit Item Returned$25
per item
Night Depository Key (audience not stated, treated as personal)$10

Account Services

Notary: Non-Members$5
per item
Garnishments$50
per item
Processing3 - Garnishments$50
per item
Tax Levies$50
per item
Subpoenas$50
per item

Other Fees

Photocopies$0.25
per item
Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$10	per month	None
Accounts with balances below $50 on the last day of the month	$2	per month	None
Account Closed within 90 days of opening	$25	Not stated	None
Abandoned Account Fee	$10	per month	None
Inactive Membership (No activity for 12 months)	$5	per month	None
Account Reconciliation (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Money Market Account Excessive Withdrawal	$20	per transaction	None
Bad Address and/or Bad e-mail (one-time fee)	$5Not compared: One-time charge, not monthly	one time	None
Overdraft & NSF
Courtesy Pay	$25	per item	None
Debit Card Overdraft (audience not stated, treated as personal)	$25	per item	None
Insufficient Funds	$25	per item	None
Online Bill Pay Insufficient Funds (NSF)	$25	Not stated	None
ATM & Card
ATM Transactions at ATMs Not Owned by the Credit Union	$0.50	per transaction	None
ATM transactions at ATMs not owned by us	$0.50	per item	None
0.80% to 1.00% Plastic Card Replacement	$10	Not stated	None
Plastic Card Replacement	$10	Not stated	None
Plastic Card Rush Order	$50	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$25	per item	None
Wire Transfers: International Outgoing	$100	per item	None
Check Services
Cashier’s Checks (audience not stated, treated as personal)	$5	per item	None
Money Order	$1	per item	None
Stop Payments	$25	per item	None
Temporary Checks or Deposit Slips	$3	per item	None
Check Cashing	$5	per item	None
Copy of Check	$5	per item	None
Digital & Electronic
Bill Pay & Zelle	$6.95Not compared: Hourly charge, not monthly	per hour	None
Online Bill Pay Reactivation	$5	Not stated	None
Online Bill Pay Rush Payment Services - Overnight Check Fee (rush delivery)	$34.95	Not stated	None
Second Day Bill Pay Fee (ACH rush delivery)	$6.95	Not stated	None
Cash & Deposit
Deposit Item Returned	$25	per item	None
Night Depository Key (audience not stated, treated as personal)	$10	Not stated	None
Account Services
Notary: Non-Members	$5	per item	None
Garnishments	$50	per item	None
Processing3 - Garnishments	$50	per item	None
Tax Levies	$50	per item	None
Subpoenas	$50	per item	None
Other Fees
Photocopies	$0.25	per item	None
Statement Copy	$3	per item	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 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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