Bakersfield City Employees Federal Credit Union

Headquarters: Bakersfield, California
Charter: Credit Union
Assets: $30.1M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Bakersfield City Employees Federal Credit Union: $25
Bakersfield City Employees Federal Credit Union: $25
U.S. median: no median
Stop Payment
Compared at $12.50, the middle of its prices
Bakersfield City Employees Federal Credit Union: $5 to $20
Bakersfield City Employees Federal Credit Union: $5 to $20
U.S. median: no median
OD Protection Transfer
Bakersfield City Employees Federal Credit Union: $5
Bakersfield City Employees Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Bakersfield City Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$5
per month
Account Reconciliation / Research Fee$50
Car Fax$15
Invalid Address Fee$3.50
per month

Overdraft & NSF

NSF Per Item (ATM, ACH, & SD)$25
per item
Automatic Overdraft Transfer (Share)$5
per item

ATM & Card

ATM Replacement Card (audience not stated, treated as personal)$5
VISA Replacement Card$5

Check Services

Stop Payment on Official Credit Union Check$5
Stop Payment Order$20
per item
Copy of Credit Union Paid Check or Check Deposited$3.50
per item
Share Draft Copy Fee$7
per item

Account Services

Levy / Garnishment Processing$15
Real Estate Subordination Agreement$200

Retirement & IRA

IRA Maintenance Fee$15
per year

Gift & Prepaid Cards

Gift Card Fee$3.50

Other Fees

Statement Copy Fee$7
Loan Extension$15
Loan Modification (Real Estate) 1st$495
Loan Modification (Real Estate) 2nd$100

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$5	per month	None
Account Reconciliation / Research Fee	$50	Not stated	None
Car Fax	$15	Not stated	None
Invalid Address Fee	$3.50	per month	None
Overdraft & NSF
NSF Per Item (ATM, ACH, & SD)	$25	per item	None
Automatic Overdraft Transfer (Share)	$5	per item	None
ATM & Card
ATM Replacement Card (audience not stated, treated as personal)	$5	Not stated	None
VISA Replacement Card	$5	Not stated	None
Check Services
Stop Payment on Official Credit Union Check	$5	Not stated	None
Stop Payment Order	$20	per item	None
Copy of Credit Union Paid Check or Check Deposited	$3.50	per item	None
Share Draft Copy Fee	$7	per item	None
Account Services
Levy / Garnishment Processing	$15	Not stated	None
Real Estate Subordination Agreement	$200	Not stated	None
Retirement & IRA
IRA Maintenance Fee	$15	per year	None
Gift & Prepaid Cards
Gift Card Fee	$3.50	Not stated	None
Other Fees
Statement Copy Fee	$7	Not stated	None
Loan Extension	$15	Not stated	None
Loan Modification (Real Estate) 1st	$495	Not stated	None
Loan Modification (Real Estate) 2nd	$100	Not stated	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 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.

Fee change alerts

Get an email when Bakersfield City Employees Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.