24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $34.50, its standard fee, the highest of its prices
NSF / Returned Item
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 Texas, the Dallas 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.
Capitol Federal Credit Union · $234M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Capitol Federal Credit Union(this institution) | Austin, TX | $234M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bull Dog Federal Credit Union | Hagerstown, MD | $238M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cal-Com Federal Credit Union | Port Lavaca, TX | $226M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campco Federal Credit Union | Gillette, WY | $228M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Carolina Foothills Federal Credit Union | Spartanburg, SC | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chaffey Federal Credit Union | Upland, CA | $230M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearpath Federal Credit Union | Burbank, CA | $229M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Guam Federal Credit Union | Hagatna, GU | $233M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Federal Credit Union | Groveport, OH | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fort Mcclellan Federal Credit Union | Anniston, AL | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Midwest Members Federal Credit Union | Wood River, IL | $227M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Cumberland Federal Credit Union | New Cumberland, PA | $229M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern Skies Federal Credit Union | Anchorage, AK | $232M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pantex Federal Credit Union | Borger, TX | $233M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sabine Federal Credit Union | Orange, TX | $235M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The People'S Federal Credit Union | Amarillo, TX | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True North Federal Credit Union | Juneau, AK | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westex Community Federal Credit Union | Kermit, TX | $231M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 11 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
Capitol Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 Capitol Federal Credit Union’s own schedules, with a source for each figure.
per month
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per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Capitol Business Plus Checking Account Average Daily Balance below $2,500 | $25 | per month | None |
| Capitol Plus Money Market Account Average Daily Balance below $2,500 | $10 | per month | None |
| Account Closed within 6 Months | $5 | Not stated | None |
| Inactive Account Processing Fee | $5 | per month | None |
| Research (per hour, min. 1 hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Processing Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| ATM/Debit Card Overdraft Fee | $34.50 | per item | None |
| Overdraft Privilege Fee for paid items greater than Avail Balance of negative | $31 | per item | None |
| Overdraft Privilege Fee for paid items up to an Avail Balances of negative | $12.50 | per item | None |
| Overdrawn NSF Fee | $34.50 | per item | None |
| Overdraft Protection link to another deposit account | No charge | per transaction | None |
ATM & Card | |||
| Fee for Non-CCU owned/affiliated machine transactions | $2 | Not stated | None |
| Replacement of ATM or VISA® | $5 | Not stated | None |
| Rushed Card Mailer | $60 | per item | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfers (outgoing domestic) | $15 | Not stated | None |
Check Services | |||
| Official Check | $3 | Not stated | None |
| Money Order Fee | $2 | Not stated | None |
| Check Reorder without Reorder Form | $3 | Not stated | None |
| Official Check Stop Payment | $30 | Not stated | None |
| Stop Payment | $30 | Not stated | None |
| Stop Payment Fee - In person/Phone | $30 | per item | None |
| Stop Payment Fee - Online | $20 | per item | None |
| Temporary Checks (Set of 8) | $5 | Not stated | None |
| Collection Item | $10 | Not stated | None |
| Fax Copy of Paid Item | $5 | Not stated | None |
| Photocopy of Paid Item (after 2 per month) | $3 | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee | 1%of the advance | Not stated | None |
| Cash Advance Fee (audience not stated, treated as personal) | 1%of the advance | Not stated | None |
Account Services | |||
| All notarial acts not provided | $10 | per item | None |
| Lost Safe Deposit Box Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $70 | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $70 | Not stated | None |
| Safe Deposit Box 3 x 10 | $30 | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $30 | Not stated | None |
| Safe Deposit Box 3 x 5 | $15 | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $15 | Not stated | None |
| Safe Deposit Box 5 x 10 | $45 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $45 | Not stated | None |
| Safe Deposit Box 5 x 5 | $25 | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box Drilling | $100Not compared: Box drilling or key fee | Not stated | None |
Lending Fees | |||
| Late Payment | $25 | Not stated | None |
| Late Payment Fee | 5% | Not stated | None |
| Late Payment Fee (audience not stated, treated as personal) | 5% | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card (not re-loadable) | $3.50 | Not stated | None |
Other Fees | |||
| FedEx® Mail Fee | $40 | Not stated | None |
| Copy of History, Per Month (Statement) | $3Not compared: Charged per statement; comparison unavailable | per statement | Copy of History, Per Month (Statement) | $3.00 |
| Copy of History, Per Month (Statement) | $3Not compared: Monthly charge, not per item | per month | None |
| Skip-a-Payment Fee | $25 | 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
Nov 4, 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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