21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 23, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
First Northern Federal Credit Union · $333M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Northern Federal Credit Union(this institution) | Chicago, IL | $333M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 360 Federal Credit Union | Windsor Locks, CT | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Actors Federal Credit Union | New York, NY | $331M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downeast Federal Credit Union | Baileyville, ME | $330M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downey Federal Credit Union | Downey, CA | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Families And Schools Together Federal Credit Union | Hanford, CA | $330M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Worth City Federal Credit Union | Fort Worth, TX | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Glass City Federal Credit Union | Maumee, OH | $326M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Library Of Congress Federal Credit Union | Washington, DC | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnesota Valley Federal Credit Union | Mankato, MN | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nassau Financial Federal Credit Union | East Meadow, NY | $334M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nebraska Energy Federal Credit Union | Columbus, NE | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Hampshire Federal Credit Union | Concord, NH | $332M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Oregonians Federal Credit Union | Milwaukie, OR | $339M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pinal County Federal Credit Union | Casa Grande, AZ | $339M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prince George'S Community Federal Credit Union | Bowie, MD | $337M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sag-Aftra Federal Credit Union | Burbank, CA | $336M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Soo Co-Op Federal Credit Union | Sault Sainte Marie, MI | $324M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Synergy Federal Credit Union | San Antonio, TX | $334M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Telcomm Federal Credit Union | Springfield, MO | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucoemas Federal Credit Union | Visalia, CA | $332M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ume Federal Credit Union | Burbank, CA | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Teletech Financial Federal Credit Union | Tinton Falls, NJ | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vacationland Federal Credit Union | Sandusky, OH | $327M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| West Virginia Central Federal Credit Union | Parkersburg, WV | $341M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $2, against a peer median of $6.25 among 16 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from First Northern Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $2 | per month | None |
| Annual Average Daily Balance Below Minimum | $20Not compared: Annual charge, not monthly | per year | None |
| Minimum Balance (audience not stated, treated as personal) | $15 | Not stated | None |
| Minimum balance fee | $7 | per month | None |
| Early Closure of Membership Account (account closed within 90 days of opening) | $15 | Not stated | None |
| Fee for an inactive account | $9 | per month | None |
| Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (each monthly or quarterly statement issued) | $5 | per month | None |
| Paper Statement Fee | $5 | per item | None |
| Excessive Withdrawal from Share Savings (in person) | $6 | Not stated | None |
| Excessive withdrawal/transfer fee | $9 | per item | None |
Overdraft & NSF | |||
| Courtesy Pay (per occurrence) | $29 | per item | None |
| NSF (Non-Sufficient Funds) for the following: ACH Share Draft, Debit Card Overdraft, Loan Payment (each presentment) | $29 | per item | None |
| Overdraft Transfer from Share Savings Account or other account sources (each occurrence) | $5 | per item | None |
ATM & Card | |||
| ATM Balance Inquiry (performed at a non-FNCU ATM) | $1 | Not stated | None |
| ATM Transfers (performed at a non-FNCU ATM) | $1 | Not stated | None |
| Visa Debit Card Replacement F | $25 | per item | None |
| Visa Debit Card PIN or card rush (each item, each request) | $50 | per item | None |
| International Service Assessment | 1% | Not stated | None |
| International transaction fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Request Form: Domestic | $40 | Not stated | None |
| Wire Transfers - Outgoing (per individual wire) | $25 | Not stated | None |
Check Services | |||
| Cashier Check | $5 | Not stated | None |
| Teller Check Withdrawal (per check, made payable to a third party) | $2 | per item | None |
| Money Order | $2 | Not stated | None |
| Stop Payment of Check or ACH (each check or ACH) | $29 | per item | None |
| Temporary Checks (8-check pack) | $5 | Not stated | None |
| Special Order Copy of Check | $5 | Not stated | None |
Digital & Electronic | |||
| ACH Origination (one time originations, each origination, non-recurring originations) | $10 | Not stated | None |
Account Services | |||
| Drill Fee | $250Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" x 10" x 22" | $96 | per year | None |
| Safe Deposit Box 3" x 10" x 22" | $24 | per year | None |
| Safe Deposit Box 5" x 10" x 22" | $48 | per year | None |
| Safe Deposit Box 5" x 5" x 22" | $36 | per year | None |
| Verification of Deposit Fee | $10 | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card Cost of Purchase | $2.75 | 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 23, 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.
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