Our Community Federal Credit Union

Headquarters: Shelton, Washington
Charter: Credit Union
Assets: $638.3M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 27, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Elevation Checking $7 · Summit Checking $8
Compared at $7.50, the middle of its prices
Our Community Federal Credit Union: $7 to $8
Our Community Federal Credit Union: $7 to $8
U.S. median: no median
Overdraft (OD)
Our Community Federal Credit Union: $28
Our Community Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Our Community Federal Credit Union: $28
Our Community Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco 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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 Our Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elevation Checking monthly fee$7
per month
Monthly fee$7
per month
Monthly Service Fee$7
per month
Monthly Service Fee$8
per month
Summit Checking monthly fee$8
per month
Summit Checking monthly fee$8
per month
Account Closure$10
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Privilege Pay$28
per item
Non-Sufficient Funds (NSF)$28
per item

Check Services

Cashier’s Check$2
per item
ACH Stop Payment$10
per item
Bill Pay Stop Payment$20
per item
Cashier’s Check Stop Payment$10
per item
Check Stop Payment$10
per item

Cash & Deposit

Chargeback Payment Reversal$15
Deposit Item Return$10
per item
Night Drop Key$10

Account Services

2 X 11 N/A N/A$45
3 X 11 N/A N/A$55
3 X 5 N/A$20
4 X 11 N/A N/A$65
5 X 10 N/A$50
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$45
Safe Deposit Box 5 X 5$35
per year
Safe Deposit Box 6 X 10$60
per year
Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5$25
per year
Garnishment/Levy Processing$20

Other Fees

Fax$5
Statement Copy$1
per item
HELOC document preparation fee$800
one time
HELOC Government Fee$80
one time

Fee	Amount	Basis	Note
Account Maintenance
Elevation Checking monthly fee	$7	per month	None
Monthly fee	$7	per month	None
Monthly Service Fee	$7	per month	None
Monthly Service Fee	$8	per month	None
Summit Checking monthly fee	$8	per month	None
Summit Checking monthly fee	$8	per month	None
Account Closure	$10	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Privilege Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	per item	None
Check Services
Cashier’s Check	$2	per item	None
ACH Stop Payment	$10	per item	None
Bill Pay Stop Payment	$20	per item	None
Cashier’s Check Stop Payment	$10	per item	None
Check Stop Payment	$10	per item	None
Cash & Deposit
Chargeback Payment Reversal	$15	Not stated	None
Deposit Item Return	$10	per item	None
Night Drop Key	$10	Not stated	None
Account Services
2 X 11 N/A N/A	$45	Not stated	None
3 X 11 N/A N/A	$55	Not stated	None
3 X 5 N/A	$20	Not stated	None
4 X 11 N/A N/A	$65	Not stated	None
5 X 10 N/A	$50	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5 X 5	$35	per year	None
Safe Deposit Box 6 X 10	$60	per year	None
Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5	$25	per year	None
Garnishment/Levy Processing	$20	Not stated	None
Other Fees
Fax	$5	Not stated	None
Statement Copy	$1	per item	None
HELOC document preparation fee	$800	one time	None
HELOC Government Fee	$80	one time	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Service Fee$7
per month
Monthly Service Fee$8
per month
Account Closure$10
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Privilege Pay$28
per item
Non-Sufficient Funds (NSF)$28
per item

Check Services

Cashier’s Check$2
per item
ACH Stop Payment$10
per item
Bill Pay Stop Payment$20
per item
Cashier’s Check Stop Payment$10
per item
Check Stop Payment$10
per item

Digital & Electronic

ACH Origination Return$10
per item

Cash & Deposit

Chargeback Payment Reversal$15
Deposit Item Return$10
per item
Night Drop Key$10

Account Services

Garnishment/Levy Processing$20

Other Fees

Fax$5
Statement Copy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$7	per month	None
Monthly Service Fee	$8	per month	None
Account Closure	$10	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Privilege Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	per item	None
Check Services
Cashier’s Check	$2	per item	None
ACH Stop Payment	$10	per item	None
Bill Pay Stop Payment	$20	per item	None
Cashier’s Check Stop Payment	$10	per item	None
Check Stop Payment	$10	per item	None
Digital & Electronic
ACH Origination Return	$10	per item	None
Cash & Deposit
Chargeback Payment Reversal	$15	Not stated	None
Deposit Item Return	$10	per item	None
Night Drop Key	$10	Not stated	None
Account Services
Garnishment/Levy Processing	$20	Not stated	None
Other Fees
Fax	$5	Not stated	None
Statement Copy	$1	per item	None

Correct a fee source

Oct 27, 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 Our Community Federal Credit Union's nsf / returned item changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Elevation Checking $7 · Summit Checking $8
Compared at $7.50, the middle of its prices
Our Community Federal Credit Union: $7 to $8
Our Community Federal Credit Union: $7 to $8
U.S. median: no median
Overdraft (OD)
Our Community Federal Credit Union: $28
Our Community Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Our Community Federal Credit Union: $28
Our Community Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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.

Published fee schedule

Amounts from Our Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elevation Checking monthly fee$7
per month
Monthly fee$7
per month
Monthly Service Fee$7
per month
Monthly Service Fee$8
per month
Summit Checking monthly fee$8
per month
Summit Checking monthly fee$8
per month
Account Closure$10
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Privilege Pay$28
per item
Non-Sufficient Funds (NSF)$28
per item

Check Services

Cashier’s Check$2
per item
ACH Stop Payment$10
per item
Bill Pay Stop Payment$20
per item
Cashier’s Check Stop Payment$10
per item
Check Stop Payment$10
per item

Cash & Deposit

Chargeback Payment Reversal$15
Deposit Item Return$10
per item
Night Drop Key$10

Account Services

2 X 11 N/A N/A$45
3 X 11 N/A N/A$55
3 X 5 N/A$20
4 X 11 N/A N/A$65
5 X 10 N/A$50
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$45
Safe Deposit Box 5 X 5$35
per year
Safe Deposit Box 6 X 10$60
per year
Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5$25
per year
Garnishment/Levy Processing$20

Other Fees

Fax$5
Statement Copy$1
per item
HELOC document preparation fee$800
one time
HELOC Government Fee$80
one time

Fee	Amount	Basis	Note
Account Maintenance
Elevation Checking monthly fee	$7	per month	None
Monthly fee	$7	per month	None
Monthly Service Fee	$7	per month	None
Monthly Service Fee	$8	per month	None
Summit Checking monthly fee	$8	per month	None
Summit Checking monthly fee	$8	per month	None
Account Closure	$10	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Privilege Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	per item	None
Check Services
Cashier’s Check	$2	per item	None
ACH Stop Payment	$10	per item	None
Bill Pay Stop Payment	$20	per item	None
Cashier’s Check Stop Payment	$10	per item	None
Check Stop Payment	$10	per item	None
Cash & Deposit
Chargeback Payment Reversal	$15	Not stated	None
Deposit Item Return	$10	per item	None
Night Drop Key	$10	Not stated	None
Account Services
2 X 11 N/A N/A	$45	Not stated	None
3 X 11 N/A N/A	$55	Not stated	None
3 X 5 N/A	$20	Not stated	None
4 X 11 N/A N/A	$65	Not stated	None
5 X 10 N/A	$50	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5 X 5	$35	per year	None
Safe Deposit Box 6 X 10	$60	per year	None
Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5	$25	per year	None
Garnishment/Levy Processing	$20	Not stated	None
Other Fees
Fax	$5	Not stated	None
Statement Copy	$1	per item	None
HELOC document preparation fee	$800	one time	None
HELOC Government Fee	$80	one time	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Service Fee$7
per month
Monthly Service Fee$8
per month
Account Closure$10
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Privilege Pay$28
per item
Non-Sufficient Funds (NSF)$28
per item

Check Services

Cashier’s Check$2
per item
ACH Stop Payment$10
per item
Bill Pay Stop Payment$20
per item
Cashier’s Check Stop Payment$10
per item
Check Stop Payment$10
per item

Digital & Electronic

ACH Origination Return$10
per item

Cash & Deposit

Chargeback Payment Reversal$15
Deposit Item Return$10
per item
Night Drop Key$10

Account Services

Garnishment/Levy Processing$20

Other Fees

Fax$5
Statement Copy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$7	per month	None
Monthly Service Fee	$8	per month	None
Account Closure	$10	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Privilege Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	per item	None
Check Services
Cashier’s Check	$2	per item	None
ACH Stop Payment	$10	per item	None
Bill Pay Stop Payment	$20	per item	None
Cashier’s Check Stop Payment	$10	per item	None
Check Stop Payment	$10	per item	None
Digital & Electronic
ACH Origination Return	$10	per item	None
Cash & Deposit
Chargeback Payment Reversal	$15	Not stated	None
Deposit Item Return	$10	per item	None
Night Drop Key	$10	Not stated	None
Account Services
Garnishment/Levy Processing	$20	Not stated	None
Other Fees
Fax	$5	Not stated	None
Statement Copy	$1	per item	None

Correct a fee source

Oct 27, 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.