Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Santa Barbara Teachers Federal Credit Union

Santa Barbara, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Research and Reconciliation of Accounts$10Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Returned Item (Check or "Electronic" Debit)$15Below the typical range ($25–$31 nationally)
$15 below the national median
Source

Wire TransfersVerified

Incoming Wire Transfers$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source
Outgoing Wire Transfers (Domestic)$18Below the typical range ($20–$25 nationally)
$7 below the national median
Source

Check ServicesVerified

Cashiers Check Fee$5Within the typical range ($3–$6 nationally)
At the national median
Source
Copy of Check$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research and Reconciliation of Accounts	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Overdraft & NSFVerified
Returned Item (Check or "Electronic" Debit)	$15Below the typical range ($25–$31 nationally)	$15 below the national median	—	—	Source
ATM & CardVerified
Replacement of Lost Debit Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Incoming Wire Transfers	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	—	Source
Outgoing Wire Transfers (Domestic)	$18
Check ServicesVerified
Cashiers Check Fee	$5Within the typical range ($3–$6 nationally)	At the national median	—	—	Source
Copy of Check	$2
Cash & DepositVerified
Deposited Item Return	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Other FeesVerified
Copy of Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $15

50% below the national median NSF fee

Total fees: 9 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$308.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$308.5M

Total deposits

$264.3M

Service charge income (year to date)

$25K

Fee income ratio

0.39%

Return on assets

0.91%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,468 published fee entries from 2,882 institutions

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