National J. A. C. L. Federal Credit Union

Headquarters: Salt Lake City, Utah
Charter: Credit Union
Assets: $38.6M
Fed district: San Francisco

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

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
National J. A. C. L. Federal Credit Union: $22
National J. A. C. L. Federal Credit Union: $22
U.S. median: no median
Wire Transfer (Domestic Out)
National J. A. C. L. Federal Credit Union: $15
National J. A. C. L. Federal Credit Union: $15
U.S. median: no median
Stop Payment
National J. A. C. L. Federal Credit Union: $15
National J. A. C. L. Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco 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).
Utah: Banks and credit unions headquartered in Utah that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 National J. A. C. L. Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

New Account Close Fee (90 days from open date)$25
12 Month Inactive Account Fee (w/ less than $50.00)$15
Not compared: Annual charge, not monthly
per year
Account Reconciliation Assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-Sufficient Funds$22
per item

ATM & Card

Card Replacement$25
Debit Card Replacement$20
per item
Card Replacement Rush$40

Wire Transfers

Outgoing Wire (Domestic)$15
per item
Outgoing Wire (International)$35
per item

Check Services

Stop Payment$15
per item
Counter Checks (Subsequent to new account)$1
per item
Cleared Draft Copies – Mail, Fax$10
per item
Document Copy (Sales Draft or Statement)$12

Digital & Electronic

ACH Return$22
per item

Cash & Deposit

Cash Advance Fee (Non-Credit Union card) (audience not stated, treated as personal)1%of the advance
Deposited Item Return$22
per item

Lending Fees

Late Fee$22

Retirement & IRA

IRA Administration (Speak with credit union representative for details)$8.50
per year

Gift & Prepaid Cards

VISA Gift Card$3.50
per item

Fee	Amount	Basis	Note
Account Maintenance
New Account Close Fee (90 days from open date)	$25	Not stated	None
12 Month Inactive Account Fee (w/ less than $50.00)	$15Not compared: Annual charge, not monthly	per year	None
Account Reconciliation Assistance	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-Sufficient Funds	$22	per item	None
ATM & Card
Card Replacement	$25	Not stated	None
Debit Card Replacement	$20	per item	None
Card Replacement Rush	$40	Not stated	None
Wire Transfers
Outgoing Wire (Domestic)	$15	per item	None
Outgoing Wire (International)	$35	per item	None
Check Services
Stop Payment	$15	per item	None
Counter Checks (Subsequent to new account)	$1	per item	None
Cleared Draft Copies – Mail, Fax	$10	per item	None
Document Copy (Sales Draft or Statement)	$12	Not stated	None
Digital & Electronic
ACH Return	$22	per item	None
Cash & Deposit
Cash Advance Fee (Non-Credit Union card) (audience not stated, treated as personal)	1%of the advance	Not stated	None
Deposited Item Return	$22	per item	None
Lending Fees
Late Fee	$22	Not stated	None
Retirement & IRA
IRA Administration (Speak with credit union representative for details)	$8.50	per year	None
Gift & Prepaid Cards
VISA Gift Card	$3.50	per item	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

Nov 2, 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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