18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 31, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Compared at $30, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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 Farmers Insurance Federal Credit Union’s own schedules, with a source for each figure.
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per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statement, Disclosure | $3 | per item | None |
| Excess Withdrawals | $20 | per item | None |
| Returned Mail (audience not stated, treated as personal) | $5 | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds Charge (Paid) Privilege Pay | $23 | per item | None |
| Insufficient Funds Charge — Returned | $23 | per item | None |
| Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | $23 | Not stated | None |
ATM & Card | |||
| Other Fees Sales Draft Replacement Card | $10 | Not stated | None |
| Replacement Card | $5 | Not stated | None |
| Visa Foreign Transaction (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $40 | per item | None |
| Outgoing Wire Transfer — Domestic (audience not stated, treated as personal) | $20 | per item | None |
| Outgoing Wire Transfer – International | $40 | per item | None |
Check Services | |||
| Cashier’s Check (audience not stated, treated as personal) | $3 | per item | None |
| Money Order (audience not stated, treated as personal) | $2.50 | per item | None |
| Bill Pay Stop Payment (audience not stated, treated as personal) | $25 | per item | None |
| Stop Payment (each check or ACH transfer) | $10 | per item | None |
| Non-member Check Cashing (audience not stated, treated as personal) | $20 | per item | None |
| Payment as Collection Item (audience not stated, treated as personal) | $23 | per item | None |
| Copy of a Paid Check | $3 | per item | None |
| Copy of a Paid Check | No charge | Not stated | None |
Digital & Electronic | |||
| Bill Pay — Overnight Paper Payment (audience not stated, treated as personal) | $20 | Not stated | None |
Cash & Deposit | |||
| Cash Advance | 2%of the advance | Not stated | None |
Lending Fees | |||
| Late Payment | $30 | per transaction | None |
Other Fees | |||
| Overnight Mail (Federal Express, UPS, or USPS) | $25 | per item | None |
| Copy of an Electronically | $3 | per item | None |
| Sales Draft | $10 | 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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Paper Statement Fee | $5 | per month | None |
| Returned Mail | $15Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Protection | $15 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer — Domestic | $30 | per item | None |
| Incoming Wire Transfer — Domestic | $10 | per item | None |
| Outgoing Wire Transfer — International | $60 | per item | None |
| Incoming Wire Transfer — International | $15 | per item | None |
Other Fees | |||
| Copy of an Electronically | $5 | per item | None |
Oct 31, 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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