8 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 8, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Non-Network ATM
Minimum Balance
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Altaone Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | No charge | per month | None |
| Below Minimum Balance | $5 | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry | $0.50 | Not stated | None |
Check Services | |||
| Collection Item - (plus fees charged by receiving bank) | $15 | Not stated | None |
| Foreign Check Collection | $30 | Not stated | None |
Lending Fees | |||
| Loan Late Fee | $25 | Not stated | None |
| Real Estate Mortgage Processing Fee | $1,750 | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maintenance | $15 | per year | None |
| IRA Transfer | $20 | Not stated | None |
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Account Closure Within 90 Days of Opening Date | $25 | Not stated | None |
| Dormant Account Fee | $5 | Not stated | None |
| Inactivity Fee | $2.95 | Not stated | None |
| Notice of Escheat | $10 | Not stated | None |
| AltaAdvantage Excess Withdrawal | $25 | Not stated | None |
| Returned Mail Address Correction | $5 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft Protection | $17 | per item | None |
| NSF / Insufficient Funds | $17 | per item | None |
| Return Items | No charge | Not stated | None |
| Visa NSF / Insufficient Funds Payment Fee | $25 | Not stated | None |
ATM & Card | |||
| ATM Withdrawal - International | $3 | Not stated | None |
| Lost or Stolen Replacement Card | $5 | Not stated | None |
| Visa® Lost Card and Reissue - (fee waived for stolen cards) | $5 | Not stated | None |
Wire Transfers | |||
| Wire - U.S. (Outgoing) | $25 | Not stated | None |
| Wire - (Incoming) | No charge | Not stated | None |
| Wire - International (Outgoing) | $45 | Not stated | None |
Check Services | |||
| Official Checks | $5 | Not stated | None |
| Stop Payment Requests | $25 | per item | None |
| Temporary Checks | $2 | per item | None |
Digital & Electronic | |||
| ACH 3rd Party Origination Monthly Fee | $35Not compared: Monthly charge, not per item | per month | None |
| ACH Batch | $5 | Not stated | None |
| Business Bill Pay | No charge | Not stated | None |
Cash & Deposit | |||
| Cash Advance | $5 | Not stated | None |
| Non-Member Cash Advance Processing Fee | $10Not compared: Monthly charge, not per item | per month | None |
| Invalid Charge Back | $15 | Not stated | None |
Account Services | |||
| Key Replacement | $5Not compared: Box drilling or key fee | Not stated | None |
| Levy/Garnishment Processing | $40Not compared: Monthly charge, not per item | per month | None |
| Legal Processing - (1 hour minimum) | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
Gift & Prepaid Cards | |||
| Visa Non-Reloadable Gift Cards: Members | $3 | Not stated | None |
| Visa Non-Reloadable Gift Cards: Non-Members | $5 | Not stated | None |
| Visa Non-Reloadable Gift Cards: Non-Members | $9 | Not stated | None |
Other Fees | |||
| Copy of Statement or Transaction Receipt | $3 | per item | None |
Oct 8, 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
We check once a day and send one email covering every change.