Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Central Illinois Federal Credit Union

Champaign, IllinoisCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing Assistance (per hour)$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=account_research; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Account Balancing Assistance (per hour) – $10.00" · Source

Account Closed within the First 60 Days$5

$10 below the national median

Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=early_closure; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Account Closed within the First 60 Days – $5.00" · Source

Dormant Account Fees (per month)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=dormant_account; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Dormant Account Fees (per month) – $5.00" · Source

Overdraft & NSFVerified

3rd Party Returned Item$20Below the typical range ($25–$31 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=nsf; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="3rd Party Returned Item – $20.00" · Source
Courtesy Pay Coverage (per item)$29Within the typical range ($25–$31 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=overdraft; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Courtesy Pay Coverage (per item) – $29.00" · Source
Non-Sufficient Funds Item (each)$29Within the typical range ($25–$31 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=nsf; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Non-Sufficient Funds Item (each) – $29.00" · Source

ATM & CardVerified

2nd ATM/Debit Card or Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=card_replacement; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="2nd ATM/Debit Card or Replacement – $10.00" · Source
Auto Transfer Between Accounts for ATM/Debit Card Posting (per transfer)$5Above the typical range ($1–$2.50 nationally)
$3.50 above the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=atm_non_network; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Auto Transfer Between Accounts for ATM/Debit Card Posting (per transfer) – $5.00" · Source

Wire TransfersVerified

Wire Out – Domestic (international wire service not available)$25Below the typical range ($40–$50 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=wire_intl_outgoing; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Wire Out – Domestic (international wire service not available) – $25.00" · Source

Check ServicesVerified

Check Cashing Fee for UNFI Checks or to Cash Checks Under without Matching Funds$3Below the typical range ($5–$10 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=check_cashing; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Check Cashing Fee for UNFI Checks or to Cash Checks Under $100 without Matching Funds – $3.00" · Source
Money Orders or CICU Checks (per item)$2Within the typical range ($1.75–$3 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=money_order; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Money Orders or CICU Checks (per item) – $2.00" · Source
Stop Payment on Draft$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=stop_payment; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Stop Payment on Draft – $25.00" · Source

Gift & Prepaid CardsVerified

Gift Cards – Non-reloadable$2.50Below the typical range ($3–$4.50 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=gift_card_purchase; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Gift Cards – Non-reloadable – $2.50" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance (per hour)	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=account_research; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Account Balancing Assistance (per hour) – $10.00"	Source
Account Closed within the First 60 Days	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=early_closure; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Account Closed within the First 60 Days – $5.00"	Source
Dormant Account Fees (per month)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=dormant_account; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Dormant Account Fees (per month) – $5.00"	Source
Overdraft & NSFVerified
3rd Party Returned Item	$20Below the typical range ($25–$31 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=nsf; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="3rd Party Returned Item – $20.00"	Source
Courtesy Pay Coverage (per item)	$29
ATM & CardVerified
2nd ATM/Debit Card or Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=card_replacement; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="2nd ATM/Debit Card or Replacement – $10.00"	Source
Auto Transfer Between Accounts for ATM/Debit Card Posting (per transfer)
Wire TransfersVerified
Wire Out – Domestic (international wire service not available)	$25Below the typical range ($40–$50 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=wire_intl_outgoing; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Wire Out – Domestic (international wire service not available) – $25.00"	Source
Check ServicesVerified
Check Cashing Fee for UNFI Checks or to Cash Checks Under without Matching Funds	$3Below the typical range ($5–$10 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=check_cashing; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Check Cashing Fee for UNFI Checks or to Cash Checks Under $100 without Matching Funds – $3.00"	Source
Money Orders or CICU Checks (per item)
Gift & Prepaid CardsVerified
Gift Cards – Non-reloadable	$2.50Below the typical range ($3–$4.50 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #5923. canonical_hint=gift_card_purchase; text_hash=dbea9743281e805814cb1d1446304217ac556537adce86f3d215c47f676b33a3; excerpt="Gift Cards – Non-reloadable – $2.50"	Source

Fee change alerts

Get an email when Central Illinois Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Central Illinois Federal Credit Union? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 13 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$26.1M

Work at Central Illinois Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$26.1M

Total deposits

$22.8M

Service charge income (year to date)

$140K

Fee income ratio

18.5%

Return on assets

1.25%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 28,880 verified fees from 2,290 institutions

See pricing