Santa Barbara Teachers Federal Credit Union

Headquarters: Santa Barbara, California
Charter: Credit Union
Assets: $308.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

NSF / Returned Item
Santa Barbara Teachers Federal Credit Union: $15
Santa Barbara Teachers Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Santa Barbara Teachers Federal Credit Union: $18
Santa Barbara Teachers Federal Credit Union: $18
U.S. median: no median
Stop Payment
Santa Barbara Teachers Federal Credit Union: $8
Santa Barbara Teachers Federal Credit Union: $8
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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 Santa Barbara Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Research and Reconciliation of Accounts$10
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Due to Bad Address (first item no charge)$10

Overdraft & NSF

Returned Item (Check or "Electronic" Debit)$15

ATM & Card

Replacement of Lost Debit Card$5

Wire Transfers

Outgoing Wire Transfers (Domestic)$18
Incoming Wire TransfersNo charge

Check Services

Cashiers Check Fee$5
Stop Payment of Cashier's Check Issued$8
Copy of Check$2

Cash & Deposit

Deposited Item Return$15

Other Fees

Copy of Statement$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Research and Reconciliation of Accounts	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Due to Bad Address (first item no charge)	$10	Not stated	None
Overdraft & NSF
Returned Item (Check or "Electronic" Debit)	$15	Not stated	None
ATM & Card
Replacement of Lost Debit Card	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfers (Domestic)	$18	Not stated	None
Incoming Wire Transfers	No charge	Not stated	None
Check Services
Cashiers Check Fee	$5	Not stated	None
Stop Payment of Cashier's Check Issued	$8	Not stated	None
Copy of Check	$2	Not stated	None
Cash & Deposit
Deposited Item Return	$15	Not stated	None
Other Fees
Copy of Statement	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 18, 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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