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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Among its peers

National J. A. C. L. Federal Credit Union · $39M 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.

Credit unions only
$38M to $39M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
National J. A. C. L. Federal Credit Union(this institution)	Salt Lake City, UT	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
600 Atlantic Federal Credit Union	Boston, MA	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
A & S Federal Credit Union	Aliquippa, PA	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Aspire Federal Credit Union	Lufkin, TX	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Austin Federal Credit Union	Austin, TX	$38M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brightview Federal Credit Union	Ridgeland, MS	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Butte Community Federal Credit Union	Butte, MT	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City Of Firsts Community Federal Credit Union	Kokomo, IN	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Detour Drummond Community Federal Credit Union	Drummond Island, MI	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Graco Federal Credit Union	Alma, MI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gsa Federal Credit Union	Washington, DC	$38M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lakehurst Naval Federal Credit Union	Lakehurst Naec, NJ	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lutheran Federal Credit Union	Saint Louis, MO	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Materion Federal Credit Union	Elmore, OH	$39M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Maui Teachers Federal Credit Union	Wailuku, HI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members Financial Federal Credit Union	Midland, TX	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnesota Catholic Federal Credit Union	Little Canada, MN	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgantown A E S Federal Credit Union	Morgantown, WV	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nashville Firemen'S Federal Credit Union	Nashville, TN	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Norwin Teachers Federal Credit Union	North Huntingdon, PA	$39M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pahranagat Valley Federal Credit Union	Alamo, NV	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Port Arthur Teachers Federal Credit Union	Port Arthur, TX	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Settlers Federal Credit Union	Bruce Crossing, MI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
St. Anthony Of Padua Federal Credit Union	Fall River, MA	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Theory Federal Credit Union	Painesville, OH	$38M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Twin Rivers Federal Credit Union	Massena, NY	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(out-of-network atm)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

National J. A. C. L. Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1.25 among 8 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 Nov 2, 2026.

Out-of-network ATM fee in dollars, one mark per institution

National J. A. C. L. Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

National J. A. C. L. Fede…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when National J. A. C. L. Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

National J. A. C. L. Federal Credit Union · $39M 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.

Credit unions only
$38M to $39M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
National J. A. C. L. Federal Credit Union(this institution)	Salt Lake City, UT	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
600 Atlantic Federal Credit Union	Boston, MA	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
A & S Federal Credit Union	Aliquippa, PA	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Aspire Federal Credit Union	Lufkin, TX	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Austin Federal Credit Union	Austin, TX	$38M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brightview Federal Credit Union	Ridgeland, MS	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Butte Community Federal Credit Union	Butte, MT	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City Of Firsts Community Federal Credit Union	Kokomo, IN	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Detour Drummond Community Federal Credit Union	Drummond Island, MI	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Graco Federal Credit Union	Alma, MI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gsa Federal Credit Union	Washington, DC	$38M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lakehurst Naval Federal Credit Union	Lakehurst Naec, NJ	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lutheran Federal Credit Union	Saint Louis, MO	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Materion Federal Credit Union	Elmore, OH	$39M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Maui Teachers Federal Credit Union	Wailuku, HI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members Financial Federal Credit Union	Midland, TX	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnesota Catholic Federal Credit Union	Little Canada, MN	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgantown A E S Federal Credit Union	Morgantown, WV	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nashville Firemen'S Federal Credit Union	Nashville, TN	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Norwin Teachers Federal Credit Union	North Huntingdon, PA	$39M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pahranagat Valley Federal Credit Union	Alamo, NV	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Port Arthur Teachers Federal Credit Union	Port Arthur, TX	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Settlers Federal Credit Union	Bruce Crossing, MI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
St. Anthony Of Padua Federal Credit Union	Fall River, MA	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Theory Federal Credit Union	Painesville, OH	$38M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Twin Rivers Federal Credit Union	Massena, NY	$39M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(out-of-network atm)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

National J. A. C. L. Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1.25 among 8 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 Nov 2, 2026.

Out-of-network ATM fee in dollars, one mark per institution

National J. A. C. L. Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

National J. A. C. L. Fede…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.