Ottawa Hiway Federal Credit Union

Headquarters: Ottawa, Illinois
Charter: Credit Union
Assets: $16.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 9, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Ottawa Hiway Federal Credit Union: $25
Ottawa Hiway Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Ottawa Hiway Federal Credit Union: $30
Ottawa Hiway Federal Credit Union: $30
U.S. median: no median
Stop Payment
Ottawa Hiway Federal Credit Union: $25
Ottawa Hiway Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Ottawa Hiway Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$7

Overdraft & NSF

COP (Courtesy Pay) per item$25
per item
NSF ACH$30
NSF ATM/Visa Debit$30
NSF Draft$30
NSF Fee$30
per item
Overdraft Transfer (w/o agreement)$2

Check Services

Stop Payment$25

Account Services

Legal-Levy/Garnishment/Citation$50

Lending Fees

Loan Late Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$7	Not stated	None
Overdraft & NSF
COP (Courtesy Pay) per item	$25	per item	None
NSF ACH	$30	Not stated	None
NSF ATM/Visa Debit	$30	Not stated	None
NSF Draft	$30	Not stated	None
NSF Fee	$30	per item	None
Overdraft Transfer (w/o agreement)	$2	Not stated	None
Check Services
Stop Payment	$25	Not stated	None
Account Services
Legal-Levy/Garnishment/Citation	$50	Not stated	None
Lending Fees
Loan Late Fee	$25	Not stated	None

Correct a fee source

Oct 9, 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 Ottawa Hiway Federal Credit Union's nsf / returned item changes in our data

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