9 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 10, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Options Federal Credit Union · $5M in assets
Banks and credit unions in the Denver-Aurora-Centennial, CO metro
Banks and credit unions with branches in the Denver-Aurora-Centennial, CO metro: the local competitors for deposits and customers. They range from $11M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 83 peers; medians use all 83.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Options Federal Credit Union(this institution) | Littleton, CO | $5M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Affidian Federal Credit Union | Denver, CO | $360M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arapahoe Federal Credit Union | Littleton, CO | $154M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Blue Federal Credit Union | Cheyenne, WY | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canvas Federal Credit Union | Lone Tree, CO | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Clean Energy Federal Credit Union | Englewood, CO | $130M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Colorado Federal Credit Union | Littleton, CO | $442M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Savings Bank | Greenwood Village, CO | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Columbine Federal Credit Union | Centennial, CO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Denver | Lakewood, CO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of The Rockies | Golden, CO | $113M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Electrical Federal Credit Union | Arvada, CO | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elevations Federal Credit Union | Boulder, CO | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank of Colby | Colby, KS | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank of Calhan | Calhan, CO | $416M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fidelis Catholic Federal Credit Union | Arvada, CO | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Fidelity Bank | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| High Plains Bank | Flagler, CO | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizons North Federal Credit Union | Westminster, CO | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| InBank | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kirkpatrick Bank | Edmond, OK | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metrum Community Federal Credit Union | Centennial, CO | $112M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| NewBank | Flushing, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Space Age Federal Credit Union | Aurora, CO | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star Tech Federal Credit Union | Greenwood Village, CO | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TBK BANK, SSB | Dallas, TX | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The District Federal Credit Union | Aurora, CO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Fidelity Bank, fsb | Evansville, IN | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westerra Federal Credit Union | Denver, CO | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Westminster Federal Credit Union | Westminster, CO | $55M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Young Americans Bank | Denver, CO | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Zing Credit Union | Denver, CO | $406M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
83 peers selected · 50 publish this fee(monthly maintenance)
33 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.50 among 50 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Options Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Amounts from Options Federal Credit Union’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant and Inactive Accounts (per month) | $10 | per month | None |
| Invalid Address (per month) | $10 | per month | None |
| Returned Mail (per item) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (per presentment) | $35 | per item | None |
ATM & Card | |||
| Plastics Rush Order | $63 | Not stated | None |
Wire Transfers | |||
| Domestic Wire | $30 | Not stated | None |
Check Services | |||
| Cashier’s Check | $5 | Not stated | None |
| Stop Payment Request (per item) | $35 | per item | None |
| Check Cashing (audience not stated, treated as personal) | 3% | Not stated | None |
Account Services | |||
| Notary Service (per document) | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Legal Processing | $75 | Not stated | None |
Lending Fees | |||
| Loan Modification Sub Agreement | $50 | 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
Oct 10, 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
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