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, under $300M

Shell Western States Federal Credit Union

Martinez, CaliforniaCredit UnionSan Francisco Fed districtFees collected Feb 17, 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

Account Reconciliation/Research$30Above the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=account_research; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Account Reconciliation/Research | $30.00" · Source

Escheat Notification$2

$3 below the national median

Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=dormant_account; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Escheat Notification | $2.00" · Source

Holiday Club Early Withdrawal (prior to Disbursement on November 1)$5

$10 below the national median

per transaction · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=early_closure; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Holiday Club Early Withdrawal (prior to Disbursement on November 1) | $5.00 per withdrawal" · Source

Inactive Fee Dormant$10

$5 above the national median

Overdraft & NSFVerified

Courtesy Pay Fee$20Below the typical range ($25–$31 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=overdraft; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Courtesy Pay Fee | $20.00 per item" · Source
Non-Sufficient Funds (NSF) ACH, or Share Drafts (Checks)$20Below the typical range ($25–$31 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=nsf; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Non-Sufficient Funds (NSF) ACH, or Share Drafts (Checks) | $20.00 per item" · Source

ATM & CardVerified

Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=card_replacement; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Debit Card Replacement | $10.00" · Source
Debit Card Rush Replacement$50Within the typical range ($30–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=rush_card; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Debit Card Rush Replacement | $50.00" · Source
VISA Credit Card Replacement$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=card_replacement; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="VISA Credit Card Replacement | $20.00" · Source

Check ServicesVerified

ACH Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=stop_payment; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="ACH Stop Payment | $25.00 per item" · Source
Corporate Check (payable to Self)$0Below the typical range ($3–$6 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #6746. canonical_hint=cashiers_check; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Corporate Check (payable to Self) | No fee" · Source
Corporate Check (payable to Third Party)$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=cashiers_check; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Corporate Check (payable to Third Party) | $5.00" · Source
Corporate or Personal Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=check_image; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Corporate or Personal Check Copy | $5.00 per item" · Source
Visa Letter Check Stop Payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=stop_payment; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Visa Letter Check Stop Payment | $20.00 per item" · Source

Digital & ElectronicVerified

Bill Pay$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #6746. canonical_hint=bill_pay; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Bill Pay | Free" · Source
Bill Pay Investigation$25Above the typical range ($0–$10 nationally)
$20.05 above the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=bill_pay; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Bill Pay Investigation | $25.00" · Source

Cash & DepositVerified

Returned Deposit Item$20Within the typical range ($10–$25 nationally)
$5 above the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=deposited_item_return; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Returned Deposit Item | $20.00 per item" · Source

Account ServicesVerified

Levy Fee$30Within the typical range ($30–$75 nationally)
$20 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=garnishment_levy; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Levy Fee | $30.00 per item" · Source
Notary Service - Appointments Preferred (No Fee for CU Documents)$10Above the typical range ($0–$5 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=notary_fee; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Notary Service - Appointments Preferred (No Fee for CU Documents) | $10.00 per Signature" · Source
Verification of Deposit (Waived for HUD)$10Within the typical range ($10–$17.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=account_verification; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Verification of Deposit (Waived for HUD) | $10.00" · Source

Lending FeesVerified

Late Fee$20Within the typical range ($15–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=late_payment; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Late Fee | $20 or the amount of required minimum payment (whichever is less)" · Source

Retirement & IRAVerified

Individual Retirement Account (IRA) Closure Fee (No Fee for Beneficiary closure)$20Below the typical range ($25–$35 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=ira_termination; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Individual Retirement Account (IRA) Closure Fee (No Fee for Beneficiary closure) | $20.00" · Source

Other FeesVerified

Statement Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=document_reproduction; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Statement Copy | $2.00 per month" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation/Research	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=account_research; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Account Reconciliation/Research \| $30.00"	Source
Escheat Notification	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=dormant_account; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Escheat Notification \| $2.00"	Source
Holiday Club Early Withdrawal (prior to Disbursement on November 1)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=early_closure; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Holiday Club Early Withdrawal (prior to Disbursement on November 1) \| $5.00 per withdrawal"	Source
Inactive Fee Dormant	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=dormant_account; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Inactive Fee Dormant \| $10.00 per quarter"	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$20Below the typical range ($25–$31 nationally)	$10 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=overdraft; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Courtesy Pay Fee \| $20.00 per item"	Source
Non-Sufficient Funds (NSF) ACH, or Share Drafts (Checks)
ATM & CardVerified
Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=card_replacement; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Debit Card Replacement \| $10.00"	Source
Debit Card Rush Replacement	$50
Check ServicesVerified
ACH Stop Payment	$25Within the typical range ($20–$30 nationally)	$2 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=stop_payment; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="ACH Stop Payment \| $25.00 per item"	Source
Corporate Check (payable to Self)	$0
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$10 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #6746. canonical_hint=bill_pay; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Bill Pay \| Free"	Source
Bill Pay Investigation	$25
Cash & DepositVerified
Returned Deposit Item	$20Within the typical range ($10–$25 nationally)	$5 above the national median	per item	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=deposited_item_return; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Returned Deposit Item \| $20.00 per item"	Source
Account ServicesVerified
Levy Fee	$30Within the typical range ($30–$75 nationally)	$20 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=garnishment_levy; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Levy Fee \| $30.00 per item"	Source
Notary Service - Appointments Preferred (No Fee for CU Documents)
Lending FeesVerified
Late Fee	$20Within the typical range ($15–$25 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=late_payment; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Late Fee \| $20 or the amount of required minimum payment (whichever is less)"	Source
Retirement & IRAVerified
Individual Retirement Account (IRA) Closure Fee (No Fee for Beneficiary closure)	$20Below the typical range ($25–$35 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=ira_termination; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Individual Retirement Account (IRA) Closure Fee (No Fee for Beneficiary closure) \| $20.00"	Source
Other FeesVerified
Statement Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #6746. canonical_hint=document_reproduction; text_hash=dfa5fb6451023cf914924e565577a64592d4cdcd2a2fa61c231443eed9b072f8; excerpt="Statement Copy \| $2.00 per month"	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.

Overdraft

$20

Overdraft fee: $20

33% below the national median overdraft fee

Total fees: 23 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$66.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$66.0M

Total deposits

$58.3M

Service charge income (year to date)

$47K

Fee income ratio

3.2%

Return on assets

-0.13%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 27,539 verified fees from 2,277 institutions

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