Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Elca Federal Credit Union

Chicago, IllinoisCredit UnionChicago Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee$10Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

ACH/Check NSF$32Within the typical range ($25–$32 nationally)
$2 above the national median$2 above the Illinois median
per item · Source
Overdraft Protection (checking)$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$5 below the Illinois median
Source

ATM & CardVerified

Card Replacement$10Within the typical range ($5–$10 nationally)
At the national medianAt the Illinois median
Source
Expedited Card Fee$45Within the typical range ($30–$50 nationally)
$5 above the national medianAt the Illinois median
Source

Check ServicesVerified

Corporate Checks$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Illinois median
Source
Stop Payment of Check or ACH$32Above the typical range ($20–$30 nationally)
$4.50 above the national median$2.50 above the Illinois median
per item · Source

Lending FeesVerified

Late Payment Fee$35Above the typical range ($10–$25 nationally)
$15 above the national median$15 above the Illinois median
per month · Source
Late Payment Fee$27Above the typical range ($10–$25 nationally)
$7 above the national median$7 above the Illinois median
per month · Source

Other FeesVerified

Copy of Statement$5Within the typical range ($2–$5 nationally)
$2 above the national median$3 above the Illinois median
per item · Source
Skip-a-Payment (subject to approval)$20Below the typical range ($25–$100 nationally)
$17.50 below the national median$15 below the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Illinois median	per month	—	Source
Paper Statement Fee	$1Below the typical range ($2–$4.85 nationally)	$2 below the national median$2 below the Illinois median	—	—	Source
Overdraft & NSFVerified
ACH/Check NSF	$32Within the typical range ($25–$32 nationally)	$2 above the national median$2 above the Illinois median	per item	—	Source
Overdraft Protection (checking)	$0
ATM & CardVerified
Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Illinois median	—	—	Source
Expedited Card Fee	$45
Wire TransfersVerified
Wire Transfer: Domestic	$30Above the typical range ($20–$25 nationally)	$5 above the national median$5 above the Illinois median	—	—	Source
Check ServicesVerified
Corporate Checks	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Illinois median	—	—	Source
Stop Payment of Check or ACH	$32
Cash & DepositVerified
Deposited Checks Returned NSF	$32Above the typical range ($8–$25 nationally)	$17 above the national median$17 above the Illinois median	per item	—	Source
Account ServicesVerified
Levies/Citations/Garnishments/Etc.	$75Within the typical range ($30–$89.38 nationally)	$25 above the national medianAt the Illinois median	—	—	Source
Lending FeesVerified
Late Payment Fee	$35Above the typical range ($10–$25 nationally)	$15 above the national median$15 above the Illinois median	per month	—	Source
Late Payment Fee	$27
Other FeesVerified
Copy of Statement	$5Within the typical range ($2–$5 nationally)	$2 above the national median$3 above the Illinois median	per item	—	Source
Skip-a-Payment (subject to approval)	$20

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Headline fees published

8 of 15

Published fees

Under review

Assets

$30.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$30.1M

Total deposits

$26.6M

Service charge income (year to date)

$90K

Fee income ratio

10.4%

Return on assets

0.30%

Financial profile · Pro

Performance from regulator filings

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Published fees

Get an email when Elca Federal Credit Union changes its collection items

How the headline fees compare

Size and fee revenue

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings