Strata Federal Credit Union

Headquarters: Bakersfield, California
Charter: Credit Union
Assets: $344.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 22, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Strata Federal Credit Union: $5
Strata Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Strata Federal Credit Union: $15
Strata Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Strata Federal Credit Union: $15
Strata Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 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 Strata Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service fee (audience not stated, treated as personal)$5
per month
Below Minimum Balance Fee (Money Market) (minimum balance $2,500.00) monthly$5
per month
Inactive Account Fee – Monthly Fee$5
per month
Account Balancing and Research 1 Hour$25
Return Mail Fee$5

Overdraft & NSF

Courtesy Pay Fee – Per Item ( charges not to exceed $90 per day)$15
per item
Insufficient Funds Fee – Per Item$15
per item
Returned Item Fee$15
Overdraft Transfer (Share)$5

ATM & Card

Replacement Debit/Credit Card$10
Debit/Credit Card Rush Fee$25
International Service Assessment Fee (Debit and Credit Cards)1%

Wire Transfers

Wire Transfer Fee – Outgoing Domestic$25
Wire Transfer Fee – Incoming$10

Check Services

Cashier Check Written to 3rd Party$3
Money Order$3
Stop Payment Fee – Share Draft and ACH$20
Starter Checks$2

Cash & Deposit

Coin Counter2%

Account Services

Levy$30
Subordination Fee$100
Verification of Deposit$10

Gift & Prepaid Cards

Visa Gift Card$4

Other Fees

Account Activity Printout/Statement Copy$2
Check or Document Copy$2
Instant Loan Application Fee (Approved or Declined)$20
Right Now Loan Application Fee (Approved or Declined)$20
Skip-A-Pay Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee (audience not stated, treated as personal)	$5	per month	None
Below Minimum Balance Fee (Money Market) (minimum balance $2,500.00) monthly	$5	per month	None
Inactive Account Fee – Monthly Fee	$5	per month	None
Account Balancing and Research 1 Hour	$25	Not stated	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee – Per Item ( charges not to exceed $90 per day)	$15	per item	None
Insufficient Funds Fee – Per Item	$15	per item	None
Returned Item Fee	$15	Not stated	None
Overdraft Transfer (Share)	$5	Not stated	None
ATM & Card
Replacement Debit/Credit Card	$10	Not stated	None
Debit/Credit Card Rush Fee	$25	Not stated	None
International Service Assessment Fee (Debit and Credit Cards)	1%	Not stated	None
Wire Transfers
Wire Transfer Fee – Outgoing Domestic	$25	Not stated	None
Wire Transfer Fee – Incoming	$10	Not stated	None
Check Services
Cashier Check Written to 3rd Party	$3	Not stated	None
Money Order	$3	Not stated	None
Stop Payment Fee – Share Draft and ACH	$20	Not stated	None
Starter Checks	$2	Not stated	None
Cash & Deposit
Coin Counter	2%	Not stated	None
Account Services
Levy	$30	Not stated	None
Subordination Fee	$100	Not stated	None
Verification of Deposit	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4	Not stated	None
Other Fees
Account Activity Printout/Statement Copy	$2	Not stated	None
Check or Document Copy	$2	Not stated	None
Instant Loan Application Fee (Approved or Declined)	$20	Not stated	None
Right Now Loan Application Fee (Approved or Declined)	$20	Not stated	None
Skip-A-Pay Fee	$30	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

Oct 22, 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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