Cornerstone Federal Credit Union

Headquarters: Freeport, Illinois
Charter: Credit Union
Assets: $176.6M
Fed district: Chicago

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

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

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

Overdraft (OD)
Cornerstone Federal Credit Union: $30
Cornerstone Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $30.50, the middle of its prices
Cornerstone Federal Credit Union: $30 to $31
Cornerstone Federal Credit Union: $30 to $31
U.S. median: no median
Non-Network ATM
Cornerstone Federal Credit Union: $2
Cornerstone Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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.

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Published fee schedule

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

Account Maintenance

Closure (audience not stated, treated as personal)$25
Inactive Account (audience not stated, treated as personal)$15
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Original Paper Statement Fee (audience not stated, treated as personal)$3
Bad Address (audience not stated, treated as personal)$15
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdraft (audience not stated, treated as personal)$30
NSF Fee$30
Returned Item (audience not stated, treated as personal)$31

ATM & Card

Foreign ATM (audience not stated, treated as personal)$2
per item
Debit Card Replacement (audience not stated, treated as personal)$35

Wire Transfers

Domestic Wire (outgoing) (audience not stated, treated as personal)$40
Domestic Wire (Incoming) (audience not stated, treated as personal)$3
International Wire (Outgoing) (audience not stated, treated as personal)$50

Check Services

Cashiers Check (audience not stated, treated as personal)$5
per item
Stop Payment (audience not stated, treated as personal)$35
per item
Temporary Checks (audience not stated, treated as personal)$2
Check Cashing (audience not stated, treated as personal)$5
Copy of check$3
Copy of Personal Check$3
per item

Digital & Electronic

BillPay & Popmoney (audience not stated, treated as personal)No charge
Mobile Check DepositNo charge

Account Services

Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$65
Safe Deposit Box 10 x 10$65
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$25
Safe Deposit Box 3 x 10$25
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 3 x 5$15
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$40
Safe Deposit Box 5 x 10$40
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$20
Safe Deposit Box 5 x 5$20
Subpoena/Tax Levy/Garnishment (audience not stated, treated as personal)$100
per item
Deposit Verification$15
per item

Other Fees

UPS: 2nd day$65
Fax$2
Lien Release Letter$15
Refinance - Indirect Loan$125
Skip A Pay$40

Fee	Amount	Basis	Note
Account Maintenance
Closure (audience not stated, treated as personal)	$25	Not stated	None
Inactive Account (audience not stated, treated as personal)	$15Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Original Paper Statement Fee (audience not stated, treated as personal)	$3	Not stated	None
Bad Address (audience not stated, treated as personal)	$15Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdraft (audience not stated, treated as personal)	$30	Not stated	None
NSF Fee	$30	Not stated	None
Returned Item (audience not stated, treated as personal)	$31	Not stated	None
ATM & Card
Foreign ATM (audience not stated, treated as personal)	$2	per item	None
Debit Card Replacement (audience not stated, treated as personal)	$35	Not stated	None
Wire Transfers
Domestic Wire (outgoing) (audience not stated, treated as personal)	$40	Not stated	None
Domestic Wire (Incoming) (audience not stated, treated as personal)	$3	Not stated	None
International Wire (Outgoing) (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Cashiers Check (audience not stated, treated as personal)	$5	per item	None
Stop Payment (audience not stated, treated as personal)	$35	per item	None
Temporary Checks (audience not stated, treated as personal)	$2	Not stated	None
Check Cashing (audience not stated, treated as personal)	$5	Not stated	None
Copy of check	$3	Not stated	None
Copy of Personal Check	$3	per item	None
Digital & Electronic
BillPay & Popmoney (audience not stated, treated as personal)	No charge	Not stated	None
Mobile Check Deposit	No charge	Not stated	None
Account Services
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 10 x 10	$65	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 3 x 10	$25	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 3 x 5	$15	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$40	Not stated	None
Safe Deposit Box 5 x 10	$40	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 5 x 5	$20	Not stated	None
Subpoena/Tax Levy/Garnishment (audience not stated, treated as personal)	$100	per item	None
Deposit Verification	$15	per item	None
Other Fees
UPS: 2nd day	$65	Not stated	None
Fax	$2	Not stated	None
Lien Release Letter	$15	Not stated	None
Refinance - Indirect Loan	$125	Not stated	None
Skip A Pay	$40	Not stated	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 14, 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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