Essential Federal Credit Union

Headquarters: Baton Rouge, Louisiana
Charter: Credit Union
Assets: $434.2M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
Essential Federal Credit Union: $34
Essential Federal Credit Union: $34
U.S. median: no median
NSF / Returned Item
Essential Federal Credit Union: $34
Essential Federal Credit Union: $34
U.S. median: no median
Non-Network ATM
Compared at $3.50, the middle of its prices
Essential Federal Credit Union: $2 to $5
Essential Federal Credit Union: $2 to $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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

Account Maintenance

Dormant Account Fee (after 12 months of no activity)$5
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$2
per month
Printed Paper Statement in branch$1
per item
Undeliverable Mail$5

Overdraft & NSF

Overdraft Fee$34
NSF Fee$34
Transfers using Overdraft Protection$5

ATM & Card

ATM Foreign Transaction Fee$2
Non-Network ATM$5
Other Replacement Cards$25
per item

Wire Transfers

Outgoing Wire$20
Incoming Wire$10
Outgoing Wire (International)$40

Check Services

Cashier’s Checks$10
Money Orders$0.75
Stop Payment$35
per item
Starter ChecksNo charge
Check Cashing for Non-member$10
Check Copies$5
per item

Cash & Deposit

Coin Counting7.5%
Chargeback Fee$10

Account Services

10 x 10 (Siegen & Plaquemine Branch)$60
per year
3 x 10 (Siegen & Plaquemine Branch)$40
per year
3 x 5 (Siegen & Plaquemine Branch)$30
per year
5 x 10 (Siegen, Plaquemine & Walker Branch)$45
per year
5 x 5 (Walker Branch)$35
per year
7 x 10 (Walker Branch)$50
per year
Garnishment, Subpoena or Escheatment$50
Tax Levy$50

Lending Fees

Late Payment Charges$25

Vehicle & Title

DMV Processing Fee$23

Other Fees

Fax Service Fee$5
Photocopy Fee$5
Loan Payments from External Institutions via Telephone$10
Stock Purchase Loan Application$25

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (after 12 months of no activity)	$5	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$2	per month	None
Printed Paper Statement in branch	$1	per item	None
Undeliverable Mail	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$34	Not stated	None
NSF Fee	$34	Not stated	None
Transfers using Overdraft Protection	$5	Not stated	None
ATM & Card
ATM Foreign Transaction Fee	$2	Not stated	None
Non-Network ATM	$5	Not stated	None
Other Replacement Cards	$25	per item	None
Wire Transfers
Outgoing Wire	$20	Not stated	None
Incoming Wire	$10	Not stated	None
Outgoing Wire (International)	$40	Not stated	None
Check Services
Cashier’s Checks	$10	Not stated	None
Money Orders	$0.75	Not stated	None
Stop Payment	$35	per item	None
Starter Checks	No charge	Not stated	None
Check Cashing for Non-member	$10	Not stated	None
Check Copies	$5	per item	None
Cash & Deposit
Coin Counting	7.5%	Not stated	None
Chargeback Fee	$10	Not stated	None
Account Services
10 x 10 (Siegen & Plaquemine Branch)	$60	per year	None
3 x 10 (Siegen & Plaquemine Branch)	$40	per year	None
3 x 5 (Siegen & Plaquemine Branch)	$30	per year	None
5 x 10 (Siegen, Plaquemine & Walker Branch)	$45	per year	None
5 x 5 (Walker Branch)	$35	per year	None
7 x 10 (Walker Branch)	$50	per year	None
Garnishment, Subpoena or Escheatment	$50	Not stated	None
Tax Levy	$50	Not stated	None
Lending Fees
Late Payment Charges	$25	Not stated	None
Vehicle & Title
DMV Processing Fee	$23	Not stated	None
Other Fees
Fax Service Fee	$5	Not stated	None
Photocopy Fee	$5	Not stated	None
Loan Payments from External Institutions via Telephone	$10	Not stated	None
Stock Purchase Loan Application	$25	Not stated	None

Correct a fee source

Oct 15, 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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