Options Federal Credit Union

Headquarters: Littleton, Colorado
Charter: Credit Union
Assets: $5.5M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

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

NSF / Returned Item
Options Federal Credit Union: $35
Options Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Options Federal Credit Union: $30
Options Federal Credit Union: $30
U.S. median: no median
Stop Payment
Options Federal Credit Union: $35
Options Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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.

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Published fee schedule

Amounts from Options Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant and Inactive Accounts (per month)$10
per month
Invalid Address (per month)$10
per month
Returned Mail (per item)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds (per presentment)$35
per item

ATM & Card

Plastics Rush Order$63

Wire Transfers

Domestic Wire$30

Check Services

Cashier’s Check$5
Stop Payment Request (per item)$35
per item
Check Cashing (audience not stated, treated as personal)3%

Account Services

Notary Service (per document)$5
Not compared: Charged per document; comparison unavailable
per document
Legal Processing$75

Lending Fees

Loan Modification Sub Agreement$50

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

Correct a fee source

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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