20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
MyOpportunity Checking Share Draft
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Gulf Winds Federal Credit Union’s own schedules, with a source for each figure.
per month
per item
per month
per hour · Account Research Fee | $25.00 per hour
per item
per item
per item
per item
per item
per item
per item · 4 checks for $3.00
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| MyOpportunity Checking Share Draft Monthly service charge (audience not stated, treated as personal) | $10.95 | per month | None |
| Primary Share Account Closure Fee (audience not stated, treated as personal) | $10 | per item | None |
| Dormant Account (audience not stated, treated as personal) | $10 | per month | None |
| Account Research Fee (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee | $25.00 per hour |
| Returned Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege Fee (audience not stated, treated as personal) | $29.50 | per item | None |
| Returned Item NSF Fee (Non-Sufficient Funds) (audience not stated, treated as personal) | $30 | per item | None |
ATM & Card | |||
| Non-Proprietary ATM Transaction Fees: Cash Withdrawals (audience not stated, treated as personal) | $1 | per item | None |
| VISA Debit Card Replacement Fee | $5 | per item | None |
| VISA Foreign Transaction Fee | 1%of the transaction | Not stated | None |
| VISA Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Outgoing | $20 | Not stated | None |
| Wire Transfer Fees: Incoming | $10 | Not stated | None |
Check Services | |||
| Cashier’s Check Fee/Third Party Check Withdrawal Fee (audience not stated, treated as personal) | $3 | per item | None |
| Bill Payment Stop Payment Fee | $15 | per item | None |
| Stop Payment Fee | $30 | per item | None |
| Temporary Checks | $3 | per item | 4 checks for $3.00 |
| Check Cashing Fee - Members (audience not stated, treated as personal) | No charge | Not stated | None |
| Check Cashing Fee - Non-members (audience not stated, treated as personal) | $5 | per item | None |
| Collection Item Fee (audience not stated, treated as personal) | $15 | per item | None |
| Collection Item Return Fee (audience not stated, treated as personal) | $18 | per item | None |
| Check Copy Fee (audience not stated, treated as personal) | $3 | per item | None |
Cash & Deposit | |||
| Coin Machine Fee - Members (audience not stated, treated as personal) | 3% | Not stated | None |
| Coin Machine Fee - Non-members (audience not stated, treated as personal) | 7% | Not stated | None |
| VISA Credit Card Cash Advance Fee | 3%of the advance | Not stated | None |
| VISA Credit Card Cash Advance Fee (audience not stated, treated as personal) | 3%of the advance | Not stated | None |
| Returned Deposit Fee (audience not stated, treated as personal) | $10 | per item | None |
| Returned Deposit Fee for Item To & From Same Member (audience not stated, treated as personal) | $20 | per item | None |
Account Services | |||
| Rental - 10x10 | $80 | per year | None |
| Rental - 3x10 | $40 | per year | None |
| Rental - 3x5 | $20 | per year | None |
| Rental - 5x10 | $60 | per year | None |
| Rental - 5x5 | $30 | per year | None |
| Safe Deposit Box Rental - 10x10 (audience not stated, treated as personal) | $80 | per year | None |
| Safe Deposit Box Rental - 3x10 (audience not stated, treated as personal) | $40 | per year | None |
| Safe Deposit Box Rental - 3x5 (audience not stated, treated as personal) | $20 | per year | None |
| Safe Deposit Box Rental - 5x10 (audience not stated, treated as personal) | $60 | per year | None |
| Safe Deposit Box Rental - 5x5 (audience not stated, treated as personal) | $30 | per year | None |
| Levy & Garnishment Processing Fee (audience not stated, treated as personal) | $125 | per item | None |
Other Fees | |||
| Debit Card Fedex Fee (audience not stated, treated as personal) | $25 | Not stated | None |
| Document Copy Fee (audience not stated, treated as personal) | $2 | per item | None |
| Statement Copy Fee | $3 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Business Share Account Closure Fee | $10 | per item | None |
| Business Share Draft Account Reconciliation Fee | $25 | per item | None |
| Returned Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| VISA Debit Card Replacement Fee | $5 | per item | None |
| VISA Foreign Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Outgoing | $20 | Not stated | None |
| Wire Transfer Fees: Incoming | $10 | Not stated | None |
Check Services | |||
| Bill Payment Stop Payment Fee | $15 | per item | None |
| Stop Payment Fee | $30 | per item | None |
| Temporary Checks | $3 | per item | 4 checks for $3.00 |
Cash & Deposit | |||
| VISA Credit Card Cash Advance Fee | 3%of the advance | Not stated | None |
Account Services | |||
| Rental - 10x10 | $80 | per year | None |
| Rental - 3x10 | $40 | per year | None |
| Rental - 3x5 | $20 | per year | None |
| Rental - 5x10 | $60 | per year | None |
| Rental - 5x5 | $30 | per year | None |
Other Fees | |||
| Statement Copy Fee | $3 | per item | None |
Nov 2, 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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