Elca Federal Credit Union

Headquarters: Chicago, Illinois
Charter: Credit Union
Assets: $30.1M
Fed district: Chicago

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

Source: its fee schedule, read Oct 16, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Elca Federal Credit Union: $32
Elca Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Elca Federal Credit Union: $30
Elca Federal Credit Union: $30
U.S. median: no median
Stop Payment
Elca Federal Credit Union: $32
Elca Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Elca Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$10
Dormant Account Fee$10
per month
Paper Statement Fee$5
Paper Statement Fee$1

Overdraft & NSF

ACH/Check NSF$32
per item
Overdraft Protection (checking)No charge

ATM & Card

Card Replacement$10
Expedited Card Fee$45

Wire Transfers

Wire Transfer: Domestic$30

Check Services

Corporate Checks$2
Stop Payment of Check or ACH$32
per item

Cash & Deposit

Deposited Checks Returned NSF$32
per item

Account Services

Levies/Citations/Garnishments/Etc.$75

Lending Fees

Late Payment Fee$27
Not compared: Monthly charge, not per item
per month
Late Payment Fee$35
Not compared: Monthly charge, not per item
per month

Other Fees

Copy of Statement$5
per item
Skip-a-Payment (subject to approval)$20

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$10	Not stated	None
Dormant Account Fee	$10	per month	None
Paper Statement Fee	$5	Not stated	None
Paper Statement Fee	$1	Not stated	None
Overdraft & NSF
ACH/Check NSF	$32	per item	None
Overdraft Protection (checking)	No charge	Not stated	None
ATM & Card
Card Replacement	$10	Not stated	None
Expedited Card Fee	$45	Not stated	None
Wire Transfers
Wire Transfer: Domestic	$30	Not stated	None
Check Services
Corporate Checks	$2	Not stated	None
Stop Payment of Check or ACH	$32	per item	None
Cash & Deposit
Deposited Checks Returned NSF	$32	per item	None
Account Services
Levies/Citations/Garnishments/Etc.	$75	Not stated	None
Lending Fees
Late Payment Fee	$27Not compared: Monthly charge, not per item	per month	None
Late Payment Fee	$35Not compared: Monthly charge, not per item	per month	None
Other Fees
Copy of Statement	$5	per item	None
Skip-a-Payment (subject to approval)	$20	Not stated	None

Correct a fee source

Oct 16, 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.

Fee change alerts

Get an email when Elca Federal Credit Union's cashier's check changes in our data

We check once a day and send one email covering every change.