Educators Federal Credit Union

Headquarters: Racine, Wisconsin
Charter: Credit Union
Assets: $4.0B
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Monthly Maintenance
Can be waived with a balance of $1,000 or more.
Educators Federal Credit Union: $10
Educators Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Educators Federal Credit Union: $30
Educators Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $25, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Educators Federal Credit Union: $20 to $30
Educators Federal Credit Union: $20 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

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

Account Maintenance

Monthly fee$10
per month
Money Market Below Minimum Balance Fee (per month)$10
per month
Early Account Closure (Prime first 90 days after account opening)$20
Dormant or Inactive Account after 18 months (per month) (excludes accounts with Share Certificate, IRA, or active loan o$5
Not compared: CD/IRA fee
per month
Account Balancing or Research (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail or address (per month)$5
per month

Overdraft & NSF

Courtesy Overdraft Privilege (OD Privilege Fee)$30

ATM & Card

Replacement of Credit Card or Debit Card$5

Wire Transfers

Premium Package (per month) (includes ACH & Domestic Wire access) (audience not stated, treated as personal)$30
Not compared: Monthly charge, not per item
per month
Wire Transfer (Domestic Out) (audience not stated, treated as personal)$30
Wire Transfer (outgoing estic)$20
Wire Transfer (incoming)$10
Not compared: Monthly charge, not per item
per month
Wire Transfer (outgoing international) (audience not stated, treated as personal)$50

Check Services

ACH Stop Payment$25
Stop Payment on Lost Check/Money Order$25
per item
Stop Payment Order$25
Ca Check/Check Collection Fee$10
per item
Copy of Draft/Charge Slip (Debit/Credit Card)$5
Copy of Paid Check$5

Digital & Electronic

Bill Pay Unlimited Transactions (per month) (audience not stated, treated as personal)$15
per month

Cash & Deposit

Coin Machine (limited details on coin machines)No charge

Account Services

Drilling Fee$225
Not compared: Box drilling or key fee
Lost Key (one key)$20
Not compared: Box drilling or key fee
Garnishment/Levy Fee (per order)$30
per item
Mortgage Subordination Agreement$150

Lending Fees

Late Fee (30 days past due date)$10

Other Fees

Statement Copies (per month)$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Money Market Below Minimum Balance Fee (per month)	$10	per month	None
Early Account Closure (Prime first 90 days after account opening)	$20	Not stated	None
Dormant or Inactive Account after 18 months (per month) (excludes accounts with Share Certificate, IRA, or active loan o	$5Not compared: CD/IRA fee	per month	None
Account Balancing or Research (per hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail or address (per month)	$5	per month	None
Overdraft & NSF
Courtesy Overdraft Privilege (OD Privilege Fee)	$30	Not stated	None
ATM & Card
Replacement of Credit Card or Debit Card	$5	Not stated	None
Wire Transfers
Premium Package (per month) (includes ACH & Domestic Wire access) (audience not stated, treated as personal)	$30Not compared: Monthly charge, not per item	per month	None
Wire Transfer (Domestic Out) (audience not stated, treated as personal)	$30	Not stated	None
Wire Transfer (outgoing estic)	$20	Not stated	None
Wire Transfer (incoming)	$10Not compared: Monthly charge, not per item	per month	None
Wire Transfer (outgoing international) (audience not stated, treated as personal)	$50	Not stated	None
Check Services
ACH Stop Payment	$25	Not stated	None
Stop Payment on Lost Check/Money Order	$25	per item	None
Stop Payment Order	$25	Not stated	None
Ca Check/Check Collection Fee	$10	per item	None
Copy of Draft/Charge Slip (Debit/Credit Card)	$5	Not stated	None
Copy of Paid Check	$5	Not stated	None
Digital & Electronic
Bill Pay Unlimited Transactions (per month) (audience not stated, treated as personal)	$15	per month	None
Cash & Deposit
Coin Machine (limited details on coin machines)	No charge	Not stated	None
Account Services
Drilling Fee	$225Not compared: Box drilling or key fee	Not stated	None
Lost Key (one key)	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee (per order)	$30	per item	None
Mortgage Subordination Agreement	$150	Not stated	None
Lending Fees
Late Fee (30 days past due date)	$10	Not stated	None
Other Fees
Statement Copies (per month)	$5Not compared: Monthly charge, not per item	per month	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 12, 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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