Illiana Financial Federal Credit Union

Headquarters: Calumet City, Illinois
Charter: Credit Union
Assets: $264.2M
Fed district: Chicago

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

Source: its fee schedule, read Oct 16, 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)
Illiana Financial Federal Credit Union: $35
Illiana Financial Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Illiana Financial Federal Credit Union: $35
Illiana Financial Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Illiana Financial Federal Credit Union: $1
Illiana Financial Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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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Among its peers

Illiana Financial Federal Credit Union · $264M 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 18 states.

Credit unions only
$257M to $271M in assets
Headquartered in 18 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
Illiana Financial Federal Credit Union(this institution)	Calumet City, IL	$264M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Auburn University Federal Credit Union	Auburn, AL	$268M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central State Federal Credit Union	Stockton, CA	$258M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Department Of The Interior Federal Credit Union	Washington, DC	$268M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elevate Federal Credit Union	Brigham City, UT	$260M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Energy Capital Federal Credit Union	Houston, TX	$261M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Filer Federal Credit Union	Manistee, MI	$262M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gerber Federal Credit Union	Fremont, MI	$260M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gold Coast Federal Credit Union	Palm Springs, FL	$270M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Federal Credit Union	Corpus Christi, TX	$260M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hidden River Federal Credit Union	Pottsville, PA	$259M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Highmark Federal Credit Union	Rapid City, SD	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Landings Federal Credit Union	Tempe, AZ	$263M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Long Beach City Employees Federal Credit Union	Signal Hill, CA	$271M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midcoast Federal Credit Union	Freeport, ME	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midwest Community Federal Credit Union	Defiance, OH	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Moog Employees Federal Credit Union	East Aurora, NY	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mygeorgia Federal Credit Union	Gainesville, GA	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Niagara'S Choice Federal Credit Union	Niagara Falls, NY	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
One Federal Credit Union	Springfield, VT	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
People'S Community Federal Credit Union	Vancouver, WA	$269M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Service One Federal Credit Union	Bowling Green, KY	$269M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Southwest Heritage Federal Credit Union	Odessa, TX	$261M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spc Federal Credit Union	Hartsville, SC	$266M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truchoice Federal Credit Union	Portland, ME	$257M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Usx Federal Credit Union	Cranberry Twp, PA	$258M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Illiana Financial Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.75 among 10 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

Illiana Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Illiana Financial Federal…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Illiana Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low Balance Inactivity fee monthly$10
per month
Bad Address$10

Overdraft & NSF

Courtesy Pay per item fee$35
per item
ATM NSF fee (each transaction)$35
per transaction
NSF Item$35

ATM & Card

ATM Transaction fee (each transaction)$1
per transaction
Card replacement 1st requestNo charge
3 day rush plastic issue fee$5
Overnight plastic issue fee$55

Wire Transfers

International Wire Transfer (each)$40
per item

Check Services

Certified Checks (each)$10
per item
Money Orders (each)$2
per item
Copy of sales draft$5
Credit card copy of sales draft$5
Photo copy of check (per copy)$5
per item

Cash & Deposit

ATM Deposit Item Returned$35
Deposit item Returned$35

Account Services

Tax levy, garnishment or subpoena processing$100
Preparation of subordination agreement$175

Lending Fees

Late payment fee$30
Late Payment Fee$25

Retirement & IRA

IRA closing or transfer fee$30

Gift & Prepaid Cards

Gift Cards (Free with checking account)$5
Reload fee$4.95

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Low Balance Inactivity fee monthly	$10	per month	None
Bad Address	$10	Not stated	None
Overdraft & NSF
Courtesy Pay per item fee	$35	per item	None
ATM NSF fee (each transaction)	$35	per transaction	None
NSF Item	$35	Not stated	None
ATM & Card
ATM Transaction fee (each transaction)	$1	per transaction	None
Card replacement 1st request	No charge	Not stated	None
3 day rush plastic issue fee	$5	Not stated	None
Overnight plastic issue fee	$55	Not stated	None
Wire Transfers
International Wire Transfer (each)	$40	per item	None
Check Services
Certified Checks (each)	$10	per item	None
Money Orders (each)	$2	per item	None
Copy of sales draft	$5	Not stated	None
Credit card copy of sales draft	$5	Not stated	None
Photo copy of check (per copy)	$5	per item	None
Cash & Deposit
ATM Deposit Item Returned	$35	Not stated	None
Deposit item Returned	$35	Not stated	None
Account Services
Tax levy, garnishment or subpoena processing	$100	Not stated	None
Preparation of subordination agreement	$175	Not stated	None
Lending Fees
Late payment fee	$30	Not stated	None
Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA closing or transfer fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Cards (Free with checking account)	$5	Not stated	None
Reload fee	$4.95	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 16, 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 Illiana Financial Federal Credit Union's foreign transaction 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.

Overdraft (OD)
Illiana Financial Federal Credit Union: $35
Illiana Financial Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Illiana Financial Federal Credit Union: $35
Illiana Financial Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Illiana Financial Federal Credit Union: $1
Illiana Financial Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, 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).
Illinois: Banks and credit unions headquartered in Illinois 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.

Among its peers

Illiana Financial Federal Credit Union · $264M 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 18 states.

Credit unions only
$257M to $271M in assets
Headquartered in 18 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
Illiana Financial Federal Credit Union(this institution)	Calumet City, IL	$264M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Auburn University Federal Credit Union	Auburn, AL	$268M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central State Federal Credit Union	Stockton, CA	$258M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Department Of The Interior Federal Credit Union	Washington, DC	$268M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elevate Federal Credit Union	Brigham City, UT	$260M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Energy Capital Federal Credit Union	Houston, TX	$261M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Filer Federal Credit Union	Manistee, MI	$262M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gerber Federal Credit Union	Fremont, MI	$260M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gold Coast Federal Credit Union	Palm Springs, FL	$270M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Federal Credit Union	Corpus Christi, TX	$260M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hidden River Federal Credit Union	Pottsville, PA	$259M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Highmark Federal Credit Union	Rapid City, SD	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Landings Federal Credit Union	Tempe, AZ	$263M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Long Beach City Employees Federal Credit Union	Signal Hill, CA	$271M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midcoast Federal Credit Union	Freeport, ME	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midwest Community Federal Credit Union	Defiance, OH	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Moog Employees Federal Credit Union	East Aurora, NY	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mygeorgia Federal Credit Union	Gainesville, GA	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Niagara'S Choice Federal Credit Union	Niagara Falls, NY	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
One Federal Credit Union	Springfield, VT	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
People'S Community Federal Credit Union	Vancouver, WA	$269M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Service One Federal Credit Union	Bowling Green, KY	$269M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Southwest Heritage Federal Credit Union	Odessa, TX	$261M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spc Federal Credit Union	Hartsville, SC	$266M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truchoice Federal Credit Union	Portland, ME	$257M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Usx Federal Credit Union	Cranberry Twp, PA	$258M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Illiana Financial Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.75 among 10 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

Illiana Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Illiana Financial Federal…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Illiana Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low Balance Inactivity fee monthly$10
per month
Bad Address$10

Overdraft & NSF

Courtesy Pay per item fee$35
per item
ATM NSF fee (each transaction)$35
per transaction
NSF Item$35

ATM & Card

ATM Transaction fee (each transaction)$1
per transaction
Card replacement 1st requestNo charge
3 day rush plastic issue fee$5
Overnight plastic issue fee$55

Wire Transfers

International Wire Transfer (each)$40
per item

Check Services

Certified Checks (each)$10
per item
Money Orders (each)$2
per item
Copy of sales draft$5
Credit card copy of sales draft$5
Photo copy of check (per copy)$5
per item

Cash & Deposit

ATM Deposit Item Returned$35
Deposit item Returned$35

Account Services

Tax levy, garnishment or subpoena processing$100
Preparation of subordination agreement$175

Lending Fees

Late payment fee$30
Late Payment Fee$25

Retirement & IRA

IRA closing or transfer fee$30

Gift & Prepaid Cards

Gift Cards (Free with checking account)$5
Reload fee$4.95

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Low Balance Inactivity fee monthly	$10	per month	None
Bad Address	$10	Not stated	None
Overdraft & NSF
Courtesy Pay per item fee	$35	per item	None
ATM NSF fee (each transaction)	$35	per transaction	None
NSF Item	$35	Not stated	None
ATM & Card
ATM Transaction fee (each transaction)	$1	per transaction	None
Card replacement 1st request	No charge	Not stated	None
3 day rush plastic issue fee	$5	Not stated	None
Overnight plastic issue fee	$55	Not stated	None
Wire Transfers
International Wire Transfer (each)	$40	per item	None
Check Services
Certified Checks (each)	$10	per item	None
Money Orders (each)	$2	per item	None
Copy of sales draft	$5	Not stated	None
Credit card copy of sales draft	$5	Not stated	None
Photo copy of check (per copy)	$5	per item	None
Cash & Deposit
ATM Deposit Item Returned	$35	Not stated	None
Deposit item Returned	$35	Not stated	None
Account Services
Tax levy, garnishment or subpoena processing	$100	Not stated	None
Preparation of subordination agreement	$175	Not stated	None
Lending Fees
Late payment fee	$30	Not stated	None
Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA closing or transfer fee	$30	Not stated	None
Gift & Prepaid Cards
Gift Cards (Free with checking account)	$5	Not stated	None
Reload fee	$4.95	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 16, 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.