Arapahoe Federal Credit Union

Headquarters: Littleton, Colorado
Charter: Credit Union
Assets: $154.0M
Fed district: Kansas City

23 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)
Arapahoe Federal Credit Union: $30
Arapahoe Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Arapahoe Federal Credit Union: $4
Arapahoe Federal Credit Union: $4
U.S. median: no median
OD Protection Transfer
Arapahoe Federal Credit Union: $2
Arapahoe 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 9, 2026View sources

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

Account Maintenance

Inactive Account Fee$10
per month
Account Reconciliation and/ or Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Card Transaction Dispute Processing Fee$30
per item
Paper Statement by Mail$9
Money Market Account Excessive Withdrawal$10
per item
Return Mail/ Bad Address$10
per month

Overdraft & NSF

Insufficient/ Uncollected Funds, Courtesy Pay, Overdrawn, Stop Payments$30
per item
Overdraft Transfers from Savings$2
per item

ATM & Card

ATM Excessive Usage$4
Card Replacement$12
per item
2 Day/ 3 Day Rush Order Card/ PIN$75
2 Day/ 3 Day Rush Order PIN$45

Check Services

Check Cashing Fee (audience not stated, treated as personal)3%($20 minimum)
Foreign Item Collection/ Return or Incoming Collection Items$50
per item
Check Copy$5
per item

Digital & Electronic

Bill Pay Inactive$5
per month

Cash & Deposit

Cash Advance (Non-ACU Card)$10
per item
Returned Deposit Item$40
per item

Account Services

Garnishment/ Levy Processing$50
Loan Subordination$250

Lending Fees

2nd Mortgage/ HELOC Late Fee5%
2nd Mortgage/ HELOC Late Fee (audience not stated, treated as personal)5%
Credit Card Late Payment$15
Loan Late Payment$15
Consumer Loan Modification$50

Retirement & IRA

IRA Administration$25
per year

Other Fees

FedEx Shipment$50
Statement Copy$3
per item
Consumer Loan Modification$50
Consumer Loan Refinance$100
Lien Release Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee	$10	per month	None
Account Reconciliation and/ or Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Card Transaction Dispute Processing Fee	$30	per item	None
Paper Statement by Mail	$9	Not stated	None
Money Market Account Excessive Withdrawal	$10	per item	None
Return Mail/ Bad Address	$10	per month	None
Overdraft & NSF
Insufficient/ Uncollected Funds, Courtesy Pay, Overdrawn, Stop Payments	$30	per item	None
Overdraft Transfers from Savings	$2	per item	None
ATM & Card
ATM Excessive Usage	$4	Not stated	None
Card Replacement	$12	per item	None
2 Day/ 3 Day Rush Order Card/ PIN	$75	Not stated	None
2 Day/ 3 Day Rush Order PIN	$45	Not stated	None
Check Services
Check Cashing Fee (audience not stated, treated as personal)	3%($20 minimum)	Not stated	None
Foreign Item Collection/ Return or Incoming Collection Items	$50	per item	None
Check Copy	$5	per item	None
Digital & Electronic
Bill Pay Inactive	$5	per month	None
Cash & Deposit
Cash Advance (Non-ACU Card)	$10	per item	None
Returned Deposit Item	$40	per item	None
Account Services
Garnishment/ Levy Processing	$50	Not stated	None
Loan Subordination	$250	Not stated	None
Lending Fees
2nd Mortgage/ HELOC Late Fee	5%	Not stated	None
2nd Mortgage/ HELOC Late Fee (audience not stated, treated as personal)	5%	Not stated	None
Credit Card Late Payment	$15	Not stated	None
Loan Late Payment	$15	Not stated	None
Consumer Loan Modification	$50	Not stated	None
Retirement & IRA
IRA Administration	$25	per year	None
Other Fees
FedEx Shipment	$50	Not stated	None
Statement Copy	$3	per item	None
Consumer Loan Modification	$50	Not stated	None
Consumer Loan Refinance	$100	Not stated	None
Lien Release Fee	$25	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 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 Arapahoe Federal Credit Union's safe deposit box changes in our data

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