Rancho Federal Credit Union

Headquarters: Downey, California
Charter: Credit Union
Assets: $108.8M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 20, 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
Rancho Federal Credit Union: $3
Rancho Federal Credit Union: $3
U.S. median: no median
Overdraft (OD)
Rancho Federal Credit Union: $29
Rancho Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Rancho Federal Credit Union: $29
Rancho Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

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.

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).
California: Banks and credit unions headquartered in California 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 Rancho Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service$3
per month
Account Closure Before 180 Days$25
Account Inactive 1 year$5
Dormant Account Locator$10
Escheat Notice$2
Account Research - hourly fee with 1 hour minimum$25
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address$5
Not compared: Per-occurrence charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$29
Non-Sufficient Funds (NSF) – ATM, ACH$29
Automatic Overdraft Transfer - 3 free per month$2

ATM & Card

Foreign ATM Withdrawal – 4 free per month$3

Wire Transfers

Wire – Outgoing Domestic$35
Wire – Incoming$10
Wire – Outgoing International$50

Check Services

Cashier’s Checks$5
Cashier’s Check Stop Payment$29
Stop Payment – Range (audience not stated, treated as personal)$40
Stop Payment or Revoke Stop (audience not stated, treated as personal)$29
Temporary Checks – 4 checks per sheet (audience not stated, treated as personal)$5
per item
Non-Member Check Cashing – and above$20
Non-Member Check Cashing – Below $100$10
Collection Item$35
Check Copy – 2 free per month$5

Cash & Deposit

Credit Card Cash Advance$25
Returned Deposit – Check or ACH$29
Returned Deposit from Self$35

Account Services

Notary – per signature$15
per item
Account Levy/Tax Liens/Subpoenas$50

Retirement & IRA

IRA Annual Maintenance$35
per year
IRA Termination$25

Other Fees

Duplicate Statement, per month$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service	$3	per month	None
Account Closure Before 180 Days	$25	Not stated	None
Account Inactive 1 year	$5	Not stated	None
Dormant Account Locator	$10	Not stated	None
Escheat Notice	$2	Not stated	None
Account Research - hourly fee with 1 hour minimum	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address	$5Not compared: Per-occurrence charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$29	Not stated	None
Non-Sufficient Funds (NSF) – ATM, ACH	$29	Not stated	None
Automatic Overdraft Transfer - 3 free per month	$2	Not stated	None
ATM & Card
Foreign ATM Withdrawal – 4 free per month	$3	Not stated	None
Wire Transfers
Wire – Outgoing Domestic	$35	Not stated	None
Wire – Incoming	$10	Not stated	None
Wire – Outgoing International	$50	Not stated	None
Check Services
Cashier’s Checks	$5	Not stated	None
Cashier’s Check Stop Payment	$29	Not stated	None
Stop Payment – Range (audience not stated, treated as personal)	$40	Not stated	None
Stop Payment or Revoke Stop (audience not stated, treated as personal)	$29	Not stated	None
Temporary Checks – 4 checks per sheet (audience not stated, treated as personal)	$5	per item	None
Non-Member Check Cashing – and above	$20	Not stated	None
Non-Member Check Cashing – Below $100	$10	Not stated	None
Collection Item	$35	Not stated	None
Check Copy – 2 free per month	$5	Not stated	None
Cash & Deposit
Credit Card Cash Advance	$25	Not stated	None
Returned Deposit – Check or ACH	$29	Not stated	None
Returned Deposit from Self	$35	Not stated	None
Account Services
Notary – per signature	$15	per item	None
Account Levy/Tax Liens/Subpoenas	$50	Not stated	None
Retirement & IRA
IRA Annual Maintenance	$35	per year	None
IRA Termination	$25	Not stated	None
Other Fees
Duplicate Statement, per month	$3Not compared: Monthly charge, not per item	per month	None

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

Correct a fee source

Oct 20, 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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