Idaho Central Federal Credit Union

Headquarters: Chubbuck, Idaho
Charter: Credit Union
Assets: $15.5B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7, the middle of its prices
Idaho Central Federal Credit Union: $2.50 to $15
Idaho Central Federal Credit Union: $2.50 to $15
U.S. median: no median
Overdraft (OD)
Idaho Central Federal Credit Union: $24.94
Idaho Central Federal Credit Union: $24.94
U.S. median: no median
NSF / Returned Item
Idaho Central Federal Credit Union: $31.94
Idaho Central Federal Credit Union: $31.94
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Idaho, the San Francisco 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).
Idaho: Banks and credit unions headquartered in Idaho that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Idaho Central Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account Monthly fee$15
per month
Monthly fee$2.50
per month
Monthly Maintenance (audience not stated, treated as personal)$7
per month
Monthly Service Fees$7
per month
Service charge fee$10
Account balancing assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account research$20
Not compared: Charged per hour; comparison unavailable
per hour
Excess withdrawal fee$1
per item
Excess withdrawal fee$10
per item
Excess withdrawal fee$5
per item
Excess withdrawal fee$25
per item
Excess withdrawal fee$2
per item
Annual locator fee$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Overdraft - each overdraft paid$24.94
per item
Nonsufficient funds item$31.94
per item
Account owner is receiving a Required Minimum Distribution (RMD): Overdraft protection transfer from savings$2.50

ATM & Card

Out-of-Network ATM Withdrawal Fee$1.50
Visa Check Card reissue fee$10

Check Services

Cashier’s check$4
Money order$2.50
Stop payments$30
per item
Starter checks$1
per item
Collection items$30
per item
Copy of check 25 free per year$2
per item

Cash & Deposit

Deposited checks (and other items) returned unpaid$5

Account Services

Garnishments$10
Levies$25

Other Fees

Copy of VISA transaction (credit or debit)$3

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account Monthly fee	$15	per month	None
Monthly fee	$2.50	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$7	per month	None
Monthly Service Fees	$7	per month	None
Service charge fee	$10	Not stated	None
Account balancing assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excess withdrawal fee	$1	per item	None
Excess withdrawal fee	$10	per item	None
Excess withdrawal fee	$5	per item	None
Excess withdrawal fee	$25	per item	None
Excess withdrawal fee	$2	per item	None
Annual locator fee	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Overdraft - each overdraft paid	$24.94	per item	None
Nonsufficient funds item	$31.94	per item	None
Account owner is receiving a Required Minimum Distribution (RMD): Overdraft protection transfer from savings	$2.50	Not stated	None
ATM & Card
Out-of-Network ATM Withdrawal Fee	$1.50	Not stated	None
Visa Check Card reissue fee	$10	Not stated	None
Check Services
Cashier’s check	$4	Not stated	None
Money order	$2.50	Not stated	None
Stop payments	$30	per item	None
Starter checks	$1	per item	None
Collection items	$30	per item	None
Copy of check 25 free per year	$2	per item	None
Cash & Deposit
Deposited checks (and other items) returned unpaid	$5	Not stated	None
Account Services
Garnishments	$10	Not stated	None
Levies	$25	Not stated	None
Other Fees
Copy of VISA transaction (credit or debit)	$3	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 21, 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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