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, $300M to $1B

Oceanair Federal Credit Union

Oxnard, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 4, 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 Research A fee of$60Above the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=account_research; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Account Research A fee of $60.00 per hour we spend to process your request for research, which will be chaged in 15-minute increments after the first hour. The minimum charge is on" · Source

Early Account Closure A fee of$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=early_closure; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Early Account Closure A fee of $10.00 for closing your account within six months of opening date | $10.00" · Source

Escheatment Due Diligence Notice Notice of property escheatment on dormant accounts will incur a$2

$3 below the national median

Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=dormant_account; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Escheatment Due Diligence Notice* Notice of property escheatment on dormant accounts will incur a $2.00 fee per notice | $2.00" · Source

Inactive Dormant Account A fee of$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=dormant_account; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Inactive Dormant Account A fee of $10.00 per month if your account has no activity over a 12-month period | $10.00" · Source

Overdraft & NSFVerified

NSF – Non-Sufficient Funds A fee of$35Above the typical range ($25–$31 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=nsf; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="NSF – Non-Sufficient Funds A fee of $35.00 for any items returned unpaid due to insufficient or unavailable funds posted to your account | $35.00/Item" · Source
Overdraft Daily Cap$150Above the typical range ($47.50–$143.75 nationally)
$37.50 above the national median
per day · Maximum 5 overdraft fees per day · Source
Overdraft Privilege (Courtesy Pay Program) A fee of$30Within the typical range ($25–$30 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=overdraft; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Overdraft Privilege (Courtesy Pay Program) A fee of $30.00 for each check, ACH payment, recurring debit card payment, everyday debit card and ATM transaction, and other items Ocean" · Source

ATM & CardVerified

Debit Card Replacement A fee of$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=card_replacement; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Debit Card Replacement A fee of $5.00 for each replacement card | $5.00" · Source
Foreign ATM & Non-CO-OP Network ATM A fee of$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=atm_non_network; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Foreign ATM & Non-CO-OP Network ATM A fee of $3.00 for each ATM transaction at a non-OceanAir or non-CO-OP Network ATM | $3.00" · Source

Wire TransfersVerified

Domestic Wire Transfer Incoming A fee of$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=wire_domestic_incoming; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Domestic Wire Transfer Incoming A fee of $10.00 for each incoming wire transfer transaction | $10.00" · Source
Domestic Wire Transfer Outgoing A fee of$30Above the typical range ($20–$25 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=wire_domestic_outgoing; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Domestic Wire Transfer Outgoing A fee of $30.00 for each outgoing wire transfer transaction | $30.00" · Source

Check ServicesVerified

Cashier’s Check & Corporate Check Purchases A fee of$15Above the typical range ($3–$5.50 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=cashiers_check; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Cashier’s Check & Corporate Check Purchases* A fee of $15.00 per check purchased. | $15.00" · Source
Money Order A fee of$5Above the typical range ($2–$3.50 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=money_order; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Money Order A fee of $5.00 for each money order | $5.00" · Source
Non-member Check Cashing A non-member will be charged$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=check_cashing; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Non-member Check Cashing A non-member will be charged $10.00 for each OceanAir check cashed | $10.00" · Source
Stop Payment A fee of$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=stop_payment; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Stop Payment A fee of $25.00 for one (1) stopped item or a sequential range of items processed in branch or by phone. Items include checks, cashier’s checks, credit card convenienc" · Source
Temporary Checks$10Above the typical range ($1–$4 nationally)
$8 above the national median
per item · For each page of temporary checks printed on more than 2 sheets of paper per year · Source

Cash & DepositVerified

Phone Cash Advance A fee of$10Within the typical range ($3.38–$10 nationally)
$5 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=cash_advance; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Phone Cash Advance A fee of $10.00 for each transaction processed over the phone using a debit or credit card | $10.00" · Source

Account ServicesVerified

Legal Attachments, Levies, and Garnishment Fee A fee of$60Within the typical range ($30–$75 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=garnishment_levy; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Legal Attachments, Levies, and Garnishment Fee A fee of $60.00 for each notice we process | $60.00" · Source

Retirement & IRAVerified

IRA Share Savings$10Within the typical range ($10–$25 nationally)
$5 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=ira_administration; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="IRA Share Savings | $10.00/Annual" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research A fee of	$60Above the typical range ($17.50–$25 nationally)	$35 above the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=account_research; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Account Research A fee of $60.00 per hour we spend to process your request for research, which will be chaged in 15-minute increments after the first hour. The minimum charge is on"	Source
Early Account Closure A fee of	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=early_closure; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Early Account Closure A fee of $10.00 for closing your account within six months of opening date \| $10.00"	Source
Escheatment Due Diligence Notice Notice of property escheatment on dormant accounts will incur a	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=dormant_account; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Escheatment Due Diligence Notice* Notice of property escheatment on dormant accounts will incur a $2.00 fee per notice \| $2.00"	Source
Inactive Dormant Account A fee of	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=dormant_account; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Inactive Dormant Account A fee of $10.00 per month if your account has no activity over a 12-month period \| $10.00"	Source
Overdraft & NSFVerified
NSF – Non-Sufficient Funds A fee of	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=nsf; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="NSF – Non-Sufficient Funds A fee of $35.00 for any items returned unpaid due to insufficient or unavailable funds posted to your account \| $35.00/Item"	Source

ATM & CardVerified
Debit Card Replacement A fee of	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=card_replacement; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Debit Card Replacement A fee of $5.00 for each replacement card \| $5.00"	Source
Foreign ATM & Non-CO-OP Network ATM A fee of
Wire TransfersVerified
Domestic Wire Transfer Incoming A fee of	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=wire_domestic_incoming; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Domestic Wire Transfer Incoming A fee of $10.00 for each incoming wire transfer transaction \| $10.00"	Source
Domestic Wire Transfer Outgoing A fee of
Check ServicesVerified
Cashier’s Check & Corporate Check Purchases A fee of	$15Above the typical range ($3–$5.50 nationally)	$10 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=cashiers_check; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Cashier’s Check & Corporate Check Purchases* A fee of $15.00 per check purchased. \| $15.00"	Source
Money Order A fee of
Cash & DepositVerified
Phone Cash Advance A fee of	$10Within the typical range ($3.38–$10 nationally)	$5 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=cash_advance; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Phone Cash Advance A fee of $10.00 for each transaction processed over the phone using a debit or credit card \| $10.00"	Source
Account ServicesVerified
Legal Attachments, Levies, and Garnishment Fee A fee of	$60Within the typical range ($30–$75 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=garnishment_levy; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="Legal Attachments, Levies, and Garnishment Fee A fee of $60.00 for each notice we process \| $60.00"	Source
Retirement & IRAVerified
IRA Share Savings	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per year	Knox deterministic extraction from Rosetta artifact #2784. canonical_hint=ira_administration; text_hash=46ddcd5c9155db52c5cd3684e8ae68cfa74b0f4cb19f1e00e521e5629b3a89d0; excerpt="IRA Share Savings \| $10.00/Annual"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 19 — leaner than most institutions

Published fees

Under review

Assets

$882.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$882.5M

Total deposits

$692.6M

Service charge income (year to date)

$1.5M

Fee income ratio

5.7%

Return on assets

0.12%

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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