Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Illiana Financial Federal Credit Union

Calumet City, IllinoisCredit UnionChicago Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Christmas Club early withdrawal fee (per occurence)$5Below the typical range ($10–$25 nationally)

$12.50 below the national median$15 below the Illinois median

Low Balance Inactivity fee monthly$10

$5 above the national median$5 above the Illinois median

per month · Source

Bad Address$10

$7.50 below the national median$10 below the Illinois median

Source

Overdraft & NSFVerified

Courtesy Pay per item fee$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Illinois median
per item · Source
ATM NSF fee (each transaction)$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Illinois median
per transaction · Source
NSF Item$35Above the typical range ($25–$32 nationally)
$5 above the national median$5 above the Illinois median
Source

ATM & CardVerified

ATM Transaction fee (each transaction)$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.25 below the Illinois median
per transaction · Source
Card replacement 1st request$0Below the typical range ($5–$10 nationally)
$10 below the national median$10 below the Illinois median
Source

Wire TransfersVerified

VISA Credit Cards: International Wire Transfer (each)$40Within the typical range ($40–$50 nationally)
$10 below the national median$10 below the Illinois median
per item · Source

Check ServicesVerified

Certified Checks (each)$10Above the typical range ($3–$6 nationally)
$5 above the national median$5 above the Illinois median
per item · Source
Money Orders (each)$2Within the typical range ($1.50–$3 nationally)
At the national median$0.25 below the Illinois median
per item · Source
Photo copy of check (per copy)$5Within the typical range ($2–$5 nationally)
$2 above the national median$1 above the Illinois median
per item · Source

Cash & DepositVerified

Deposit item Returned$35Above the typical range ($8–$25 nationally)
$20 above the national median$20 above the Illinois median
Source

Account ServicesVerified

Tax levy, garnishment or subpoena processing$100Above the typical range ($30–$90 nationally)
$50 above the national median$25 above the Illinois median
Source

Lending FeesVerified

Late payment fee$30Above the typical range ($10–$25 nationally)
$10 above the national median$10 above the Illinois median
Source
Late Payment Fee$25Within the typical range ($10–$25 nationally)
$5 above the national median$5 above the Illinois median
Source

Retirement & IRAVerified

IRA closing or transfer fee$30Within the typical range ($25–$35 nationally)
$5 above the national median$3.50 above the Illinois median
Source

Gift & Prepaid CardsVerified

Gift Cards (Free with checking account)$5Above the typical range ($3–$4.95 nationally)
$1.50 above the national median$1.50 above the Illinois median
Source
Reload fee$4.95Within the typical range ($3–$4.95 nationally)
$1.45 above the national median$1.45 above the Illinois median
Source

Other FeesVerified

Statement Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$3 above the Illinois median
Source
Preparation of subordination agreement$175Above the typical range ($25–$100 nationally)
$137.50 above the national median$140 above the Illinois median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Christmas Club early withdrawal fee (per occurence)	$5Below the typical range ($10–$25 nationally)	$12.50 below the national median$15 below the Illinois median	per item	—	Source
Low Balance Inactivity fee monthly	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the Illinois median	per month	—	Source
Bad Address	$10Below the typical range ($11.75–$25 nationally)	$7.50 below the national median$10 below the Illinois median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay per item fee	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Illinois median	per item	—	Source
ATM NSF fee (each transaction)	$35
ATM & CardVerified
ATM Transaction fee (each transaction)	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.25 below the Illinois median	per transaction	—	Source
Card replacement 1st request	$0
Wire TransfersVerified
VISA Credit Cards: International Wire Transfer (each)	$40Within the typical range ($40–$50 nationally)	$10 below the national median$10 below the Illinois median	per item	—	Source
Check ServicesVerified
Certified Checks (each)	$10Above the typical range ($3–$6 nationally)	$5 above the national median$5 above the Illinois median	per item	—	Source
Money Orders (each)	$2
Cash & DepositVerified
Deposit item Returned	$35Above the typical range ($8–$25 nationally)	$20 above the national median$20 above the Illinois median	—	—	Source
Account ServicesVerified
Tax levy, garnishment or subpoena processing	$100Above the typical range ($30–$90 nationally)	$50 above the national median$25 above the Illinois median	—	—	Source
Lending FeesVerified
Late payment fee	$30Above the typical range ($10–$25 nationally)	$10 above the national median$10 above the Illinois median	—	—	Source
Late Payment Fee	$25
Retirement & IRAVerified
IRA closing or transfer fee	$30Within the typical range ($25–$35 nationally)	$5 above the national median$3.50 above the Illinois median	—	—	Source
Gift & Prepaid CardsVerified
Gift Cards (Free with checking account)	$5Above the typical range ($3–$4.95 nationally)	$1.50 above the national median$1.50 above the Illinois median	—	—	Source
Reload fee	$4.95
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median$3 above the Illinois median	—	—	Source
Preparation of subordination agreement	$175

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

21 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$264.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$264.2M

Total deposits

$227.5M

Service charge income (year to date)

$804K

Fee income ratio

11.1%

Return on assets

0.35%

Financial profile · Pro

Performance from regulator filings

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