Ume Federal Credit Union

Headquarters: Burbank, California
Charter: Credit Union
Assets: $327.9M
Fed district: San Francisco

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

Source: its fee schedule, read Apr 2, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $8.50, the middle of its prices
Ume Federal Credit Union: $5 to $12
Ume Federal Credit Union: $5 to $12
U.S. median: no median
NSF / Returned Item
Ume Federal Credit Union: $30
Ume Federal Credit Union: $30
U.S. median: no median
Stop Payment
Ume Federal Credit Union: $25
Ume Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 2, 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 Ume Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly service charge (audience not stated, treated as personal)$12
per month
Personal Checking Monthly service charge$5
per month
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF ACH Debit (audience not stated, treated as personal)$30
NSF Check Debit Card$30

ATM & Card

Replacement Cards$5
per item

Wire Transfers

Incoming Wire$10
per item

Check Services

Cashier’s Check$6
per item
Money Order$2
per item
ACH Stop Payment (audience not stated, treated as personal)$25
per item
Check Stop Payment$25
per item
Stop Payment/CU (audience not stated, treated as personal)$25
per item
Handling of Member Account: Temporary Checks$2
Foreign Check Collection$30
per item
Check CopyNo charge

Account Services

Processing Levies$50
per item
Verification of Deposit$10
Not compared: Monthly charge, not per item
per month

Lending Fees

Loan Late Payment Fee (audience not stated, treated as personal)$25
Visa Late Payment Fee$25
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Maintenance$15
per year
4 checks: IRA Account Transfer$10
per item

Other Fees

Copy of Debit$7
per item
NSF ACH Loan Payment$25

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly service charge (audience not stated, treated as personal)	$12	per month	None
Personal Checking Monthly service charge	$5	per month	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF ACH Debit (audience not stated, treated as personal)	$30	Not stated	None
NSF Check Debit Card	$30	Not stated	None
ATM & Card
Replacement Cards	$5	per item	None
Wire Transfers
Incoming Wire	$10	per item	None
Check Services
Cashier’s Check	$6	per item	None
Money Order	$2	per item	None
ACH Stop Payment (audience not stated, treated as personal)	$25	per item	None
Check Stop Payment	$25	per item	None
Stop Payment/CU (audience not stated, treated as personal)	$25	per item	None
Handling of Member Account: Temporary Checks	$2	Not stated	None
Foreign Check Collection	$30	per item	None
Check Copy	No charge	Not stated	None
Account Services
Processing Levies	$50	per item	None
Verification of Deposit	$10Not compared: Monthly charge, not per item	per month	None
Lending Fees
Loan Late Payment Fee (audience not stated, treated as personal)	$25	Not stated	None
Visa Late Payment Fee	$25Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Maintenance	$15	per year	None
4 checks: IRA Account Transfer	$10	per item	None
Other Fees
Copy of Debit	$7	per item	None
NSF ACH Loan Payment	$25	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

Apr 2, 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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