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.

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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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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.

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