Capitol Federal Credit Union

Headquarters: Austin, Texas
Charter: Credit Union
Assets: $233.9M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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
Capitol Federal Credit Union: $12.50 to $34.50
Capitol Federal Credit Union: $12.50 to $34.50
U.S. median: no median
NSF / Returned Item
Capitol Federal Credit Union: $34.50
Capitol Federal Credit Union: $34.50
U.S. median: no median
Non-Network ATM
Capitol Federal Credit Union: $2
Capitol Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Capitol Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Capitol Business Plus Checking Account Average Daily Balance below $2,500$25
per month
Capitol Plus Money Market Account Average Daily Balance below $2,500$10
per month
Account Closed within 6 Months$5
Inactive Account Processing Fee$5
per month
Research (per hour, min. 1 hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Statement Processing Fee$5

Overdraft & NSF

ATM/Debit Card Overdraft Fee$34.50
per item
Overdraft Privilege Fee for paid items greater than Avail Balance of negative$31
per item
Overdraft Privilege Fee for paid items up to an Avail Balances of negative$12.50
per item
Overdrawn NSF Fee$34.50
per item
Overdraft Protection link to another deposit accountNo charge
per transaction

ATM & Card

Fee for Non-CCU owned/affiliated machine transactions$2
Replacement of ATM or VISA®$5
Rushed Card Mailer$60
per item
Foreign Transaction Fee1%of the transaction
per transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Wire Transfers (outgoing domestic)$15

Check Services

Official Check$3
Money Order Fee$2
Check Reorder without Reorder Form$3
Official Check Stop Payment$30
Stop Payment$30
Stop Payment Fee - In person/Phone$30
per item
Stop Payment Fee - Online$20
per item
Temporary Checks (Set of 8)$5
Collection Item$10
Fax Copy of Paid Item$5
Photocopy of Paid Item (after 2 per month)$3

Cash & Deposit

Cash Advance Fee1%of the advance
Cash Advance Fee (audience not stated, treated as personal)1%of the advance

Account Services

All notarial acts not provided$10
per item
Lost Safe Deposit Box Key$10
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$70
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$70
Safe Deposit Box 3 x 10$30
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$30
Safe Deposit Box 3 x 5$15
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 5 x 10$45
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$45
Safe Deposit Box 5 x 5$25
per year
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box Drilling$100
Not compared: Box drilling or key fee

Lending Fees

Late Payment$25
Late Payment Fee5%
Late Payment Fee (audience not stated, treated as personal)5%

Gift & Prepaid Cards

VISA® Gift Card (not re-loadable)$3.50

Other Fees

FedEx® Mail Fee$40
Copy of History, Per Month (Statement)$3
Not compared: Charged per statement; comparison unavailable
per statement · Copy of History, Per Month (Statement) | $3.00
Copy of History, Per Month (Statement)$3
Not compared: Monthly charge, not per item
per month
Skip-a-Payment Fee$25

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

Correct a fee source

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.

Fee change alerts

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