26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 20, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Illinois, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Siu Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per hour
per hour
per month
per month
per item
per item
per month
per item
per item
per item
per item
per item
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Service Charges (Consumer) Fresh Start Checking Charges Monthly service charge | $5 | per month | None |
| Account Service Charges (Consumer) Membership Service Charge (re-established within 6 months): Charges | $10 | Not stated | None |
| General Service (Consumer) Signature Guarantee Service Charge: Charges | $10 | Not stated | None |
| Account Service Charges (Consumer) Inactive Account Service Charge (after 1 year): Charges | $5 | per month | None |
| General Service (Consumer) Escheat Service Charge: Charges | $25 | Not stated | None |
| Account Service Charges (Consumer) Account Balancing Assistance Service Charge: Charges | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Service Charges (Consumer) Account Research Service Charge: Charges | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Service Charges (Consumer) Bad Address Service Charge: Charges | $5Not compared: Monthly charge, not per item | per month | None |
| Account Service Charges (Consumer) Paper Statement on Checking Accounts: Charges | $1 | per month | None |
| Excess Withdrawal Custom Daily Share Savings Account: Charges | $5 | per item | None |
| Excess Withdrawal Holiday Savings Account: Charges | $5 | per item | None |
| Account Service Charges (Consumer) Bad Address Service Charge: Charges | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Service Charges (Consumer) Courtesy Pay Reinstatement: Charges | $25 | Not stated | None |
| Overdraft Service Charges (Consumer) Insufficient Funds (NSF): Charges | $10 | Not stated | None |
| Overdraft Service Charges (Consumer) Paid Overdraft: Charges | $25 | per item | None |
| Overdraft Service Charges (Consumer) Overdraft Transfer: Charges | $1 | per item | None |
ATM & Card | |||
| Card Services Allpoint & CO-OP Network ATM Transactions | No charge | Not stated | None |
| Card Services Card Replacement Service Charge: Charges | $10 | per item | None |
Check Services | |||
| General Service (Consumer) Cashier's Check Service Charge: Charges | $3 | per item | None |
| General Service (Consumer) Certified Mail Charge for Cashier's Checks over: Charges | $5 | Not stated | None |
| General Service (Consumer) Non-Member Converting Check to Cashiers Check | $5 | Not stated | None |
| General Service (Consumer) Money Order Service Charge: Charges | $1.50 | per item | None |
| Account Service Charges (Consumer) Stop Payment Service Charge (Check/ACH item): Charges | $29 | per item | None |
| Account Service Charges (Consumer) Counter Check Service Charge: Charges | $2 | per item | None |
| General Service (Consumer) Check Cashing Service Charge (non-member): Charges | $5 | Not stated | None |
| Account Service Charges (Consumer) Check Copy Service Charge: Charges | $2 | per item | None |
Digital & Electronic | |||
| Electronic Services Online Bill Pay: Charges (audience not stated, treated as personal) | No charge | Not stated | None |
| Electronic Services Mobile Deposit: Charges (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counting | 8% | Not stated | None |
| Coin Counting (audience not stated, treated as personal) | 8% | Not stated | None |
Account Services | |||
| Notary Public Service: Charges | No charge | Not stated | None |
| Safe Deposit Boxes 10 x 10: Charges | $50 | per year | None |
| Safe Deposit Boxes 3 x 10: Charges | $20 | per year | None |
| Safe Deposit Boxes 3 x 5: Charges | $15 | per year | None |
| Safe Deposit Boxes 5 x 10: Charges | $30 | per year | None |
| Garnishment/Levy | $50 | Not stated | None |
| General Service (Consumer) Levy Processing Service Charge: Charges | $50 | Not stated | None |
| General Service (Consumer) Non-Wage Garnishment Processing Service Charge: Charges | $50 | Not stated | None |
| General Service (Consumer) Subordination/Modification Agreement Service Charge: Charges | $75 | Not stated | None |
| Account Service Charges (Consumer) Verification of Deposit: Charges | $5 | Not stated | None |
Retirement & IRA | |||
| Account Service Charges (Consumer) IRA Closure Service Charge: Charges | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Card Services Chip (EMV) Visa® Prepaid Travel Money Card: Charges | $8 | Not stated | None |
| Card Services Visa® Gift Cards: Charges | $2 | Not stated | None |
Other Fees | |||
| Account Service Charges (Consumer) Statement Copy Service Charge: Charges | $2 | per item | None |
| General Service (Consumer) Fax: Charges | $1 | per item | None |
| General Service (Consumer) Loan Payment Over the Phone From External Account: Charges | $7.95 | Not stated | None |
| General Service (Consumer) Skip-A-Pay Loan Deferral - completed in-branch or by phone: Charges | $25 | Not stated | None |
| General Service (Consumer) Skip-A-Pay Loan Deferral - completed online or with self-serve kiosk: Charges | $20 | 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
per month
per hour · Account Balancing Assistance ........................................... $25/hour
per hour · Account Research ............................................................... $25/hour
per hour
per hour
per month
per item
per item
per month
per item
per item
per item
per item
per page · Counter Check ...................................................................... $2/page
per item
per year
per year
per year
per year
per year
per year
per year
per year
per page · Fax..................................................................................... $1.00/page
per item
per statement · Statement Copy ............................................................$2/statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Membership Closure (within 6 months) | $20 | Not stated | None |
| Account Service Charges (Business) Inactive Account Service Charge (after 1 year): Charges | $5 | per month | None |
| General Service (Business) Escheat Service Charge: Charges | $25 | Not stated | None |
| Account Balancing Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Balancing Assistance ........................................... $25/hour |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research ............................................................... $25/hour |
| Account Service Charges (Business) Account Balancing Assistance Service Charge: Charges | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Service Charges (Business) Account Research Service Charge: Charges | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Service Charges (Business) Paper Statement on Checking Accounts: Charges | $1 | per month | None |
| Excess Withdrawal Custom Daily Share Savings Account: Charges | $5 | per item | None |
| Excess Withdrawal Holiday Savings Account: Charges | $5 | per item | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Service Charges (Business) Insufficient Funds (NSF): Charges | $10 | Not stated | None |
| Overdraft Service Charges (Business) Paid Overdraft: Charges | $25 | per item | None |
| Insufficient Funds (NSF) | $10 | Not stated | None |
| Overdraft Service Charges (Business) Overdraft Transfer: Charges | $1 | per item | None |
| Overdraft Transfer | $1 | Not stated | None |
ATM & Card | |||
| Card Services Allpoint & CO-OP Network ATM Transactions | No charge | Not stated | None |
| Card Services Card Replacement Service Charge: Charges | $10 | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer: Outgoing | $15 | per item | None |
| Domestic Wire Transfer: Incoming | $5 | per item | None |
Check Services | |||
| General Service (Business) Cashier's Check Service Charge: Charges | $3 | per item | None |
| General Service (Business) Certified Mail Charge for Cashier's Checks over: Charges | $5 | Not stated | None |
| General Service (Business) Money Order Service Charge: Charges | $1.50 | per item | None |
| Account Service Charges (Business) Stop Payment Service Charge (Check/ACH item): Charges | $29 | per item | None |
| Account Service Charges (Business) Counter Check Service Charge: Charges | $2 | per item | None |
| Counter Check | $2Not compared: Charged per page; comparison unavailable | per page | Counter Check ...................................................................... $2/page |
| General Service (Business) Check Cashing Service Charge (non-member): Charges | $5 | Not stated | None |
| Collection Item - Outgoing | $30 | Not stated | None |
| Account Service Charges (Business) Check Copy Service Charge: Charges | $2 | per item | None |
Digital & Electronic | |||
| Online Bill Pay | No charge | Not stated | None |
| Mobile Deposit | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counting (member w/active checking) | No charge | Not stated | None |
Account Services | |||
| Notary Public Service | No charge | Not stated | None |
| Safe Deposit Box 10 x 10 | $50 | per year | None |
| Safe Deposit Box 3 x 10 | $20 | per year | None |
| Safe Deposit Box 3 x 5 | $15 | per year | None |
| Safe Deposit Box 5 x 10 | $30 | per year | None |
| Safe Deposit Boxes 10 x 10: Charges | $50 | per year | None |
| Safe Deposit Boxes 3 x 10: Charges | $20 | per year | None |
| Safe Deposit Boxes 3 x 5: Charges | $15 | per year | None |
| Safe Deposit Boxes 5 x 10: Charges | $30 | per year | None |
| Garnishment/Levy | $50 | Not stated | None |
| General Service (Business) Levy Processing Service Charge: Charges | $50 | Not stated | None |
| General Service (Business) Non-Wage Garnishment Processing Service Charge: Charges | $50 | Not stated | None |
| Subordination/Modification Agreement | $75 | Not stated | None |
| Account Service Charges (Business) Verification of Deposit: Charges | $5 | Not stated | None |
| Verification of Deposit | $5 | Not stated | None |
Gift & Prepaid Cards | |||
| Card Services Chip (EMV) Visa® Prepaid Travel Money Card: Charges | $8 | Not stated | None |
| Card Services Visa® Gift Cards: Charges | $2 | Not stated | None |
| VISA Gift Cards with SIUCU checking account | $2 | Not stated | None |
Other Fees | |||
| Account Service Charges (Business) Statement Copy Service Charge: Charges | $2 | Not stated | None |
| Fax | $1Not compared: Charged per page; comparison unavailable | per page | Fax..................................................................................... $1.00/page |
| General Service (Business) Fax: Charges | $1 | per item | None |
| Statement Copy | $2Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy ............................................................$2/statement |
| General Service (Business) Loan Payment Over the Phone From External Account: Charges | $7.95 | Not stated | None |
Oct 20, 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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