Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Garden Island Federal Credit Union

Lihue, HawaiiCredit UnionSan Francisco Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive/Dormant Account | Per quarter (inactive for 1 year or more)$5Within the typical range ($5–$10 nationally)

Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=dormant_account; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Inactive/Dormant Account | Per quarter (inactive for 1 year or more) | $5.00" · Source

Māla Checking | Account Maintenance Fee (monthly)$6

$0.13 below the national median

per month · Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=monthly_maintenance; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Māla Checking | Account Maintenance Fee (monthly) | $6.00" · Source

Overdraft & NSFVerified

Overdraft/NSF (non-sufficient funds) | Per item$20Within the typical range ($20–$30 nationally)
$8 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=overdraft; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Overdraft/NSF (non-sufficient funds) | Per item | $20.00" · Source

ATM & CardVerified

Expedited VISA® Debit Card Replacement | Per card$20Below the typical range ($30–$50 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=rush_card; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Expedited VISA® Debit Card Replacement | Per card | $20.00" · Source
VISA® Debit Card Replacement | Per card$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=card_replacement; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="VISA® Debit Card Replacement | Per card | $5.00" · Source

Wire TransfersVerified

Incoming Domestic Wire Transfer | Per transfer$10Within the typical range ($7.75–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=wire_domestic_incoming; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Incoming Domestic Wire Transfer | Per transfer | $10.00" · Source
Incoming International Wire Transfer | Per transfer$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=wire_intl_incoming; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Incoming International Wire Transfer | Per transfer | $10.00" · Source
Outgoing Domestic Wire Transfer | Per transfer$35Above the typical range ($20–$25 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=wire_domestic_outgoing; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Outgoing Domestic Wire Transfer | Per transfer | $35.00" · Source
Outgoing International Wire Transfer | Per transfer$50Within the typical range ($40–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=wire_intl_outgoing; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Outgoing International Wire Transfer | Per transfer | $50.00" · Source

Check ServicesVerified

Stop Payment | Per item$15Below the typical range ($20–$30 nationally)
$12 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=stop_payment; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Stop Payment | Per item | $15.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive/Dormant Account \| Per quarter (inactive for 1 year or more)	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=dormant_account; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Inactive/Dormant Account \| Per quarter (inactive for 1 year or more) \| $5.00"	Source
Māla Checking \| Account Maintenance Fee (monthly)	$6Within the typical range ($4–$12.63 nationally)	$0.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=monthly_maintenance; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Māla Checking \| Account Maintenance Fee (monthly) \| $6.00"	Source
Overdraft & NSFVerified
Overdraft/NSF (non-sufficient funds) \| Per item	$20Within the typical range ($20–$30 nationally)	$8 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=overdraft; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Overdraft/NSF (non-sufficient funds) \| Per item \| $20.00"	Source
ATM & CardVerified
Expedited VISA® Debit Card Replacement \| Per card	$20Below the typical range ($30–$50 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=rush_card; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Expedited VISA® Debit Card Replacement \| Per card \| $20.00"	Source
VISA® Debit Card Replacement \| Per card
Wire TransfersVerified
Incoming Domestic Wire Transfer \| Per transfer	$10Within the typical range ($7.75–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=wire_domestic_incoming; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Incoming Domestic Wire Transfer \| Per transfer \| $10.00"	Source
Incoming International Wire Transfer \| Per transfer
Check ServicesVerified
Stop Payment \| Per item	$15Below the typical range ($20–$30 nationally)	$12 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3421. canonical_hint=stop_payment; text_hash=e807f63c13d28b8c180d6ed1aa68fdbc8c7c78faf8bf28b78acb649fe5ae7362; excerpt="Stop Payment \| Per item \| $15.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$20

Overdraft fee: $20

29% below the national median overdraft fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$126.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$126.2M

Total deposits

$110.5M

Service charge income (year to date)

$112K

Fee income ratio

3.4%

Return on assets

0.39%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 58 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 20,792 verified fees from 2,117 institutions

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