Oceanair Federal Credit Union

Headquarters: Oxnard, California
Charter: Credit Union
Assets: $882.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 4, 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
Epic Student Checking $4 · Aspiria Checking $5 · Epic Checking $8 · Epic Premium Checking $10
Compared at $6.50, the middle of its prices
Oceanair Federal Credit Union: $4 to $10
Oceanair Federal Credit Union: $4 to $10
U.S. median: no median
Overdraft (OD)
Oceanair Federal Credit Union: $30
Oceanair Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Oceanair Federal Credit Union: $35
Oceanair Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 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 Oceanair Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Aspiria Checking Monthly service charge$5
per month
Epic Checking Monthly service charge$8
per month
Epic Premium Checking Monthly service charge$10
per month
Epic Student Checking Monthly service charge$4
per month
Early Account Closure$10
Escheatment Due Diligence Notice$2
Inactive Dormant Account$10
per month
Account Research$60
Not compared: Charged per hour; comparison unavailable
per hour
Excess Transaction Fee An excess transaction fee on Savings & Money Market accounts that exceeds the 6-transaction limit$10
per item

Overdraft & NSF

Overdraft Privilege (Courtesy Pay Program)$30
per item
NSF – Non-Sufficient Funds$35
per item

ATM & Card

Foreign ATM & Non-CO-OP Network ATM$3
per item
Debit Card Replacement$5
per item
Debit Card Replacement (Rush Order)$50
per item

Wire Transfers

Domestic Wire Transfer Outgoing$30
per item
Domestic Wire Transfer Incoming$10
per item
Foreign Wire Transfer$70
per item

Check Services

Cashier’s Check & Corporate Check Purchases$15
per item
Money Order$5
per item
Stop Payment$25
Temporary Checks$10
per item · For each page of temporary checks printed on more than 2 sheets of paper per year
Temporary Checks A fee of $10.00 for each page of temporary checks printed on more than 2 sheets of paper per year$10
per item
Check Cashing$10
per item
Foreign Item & Cash Letter Processing$35
per item
Collection Item$25
per item

Cash & Deposit

Coin Machine Redemption10%
Phone Cash Advance$10
per transaction

Account Services

Notary Service$15
Legal Attachments, Levies, and Garnishment Fee A fee of $60.00 for each notice we process$60
per item

Retirement & IRA

Annual fee$10
per year
IRA Direct Transfer$25
per item

Other Fees

Skip-a-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Aspiria Checking Monthly service charge	$5	per month	None
Epic Checking Monthly service charge	$8	per month	None
Epic Premium Checking Monthly service charge	$10	per month	None
Epic Student Checking Monthly service charge	$4	per month	None
Early Account Closure	$10	Not stated	None
Escheatment Due Diligence Notice	$2	Not stated	None
Inactive Dormant Account	$10	per month	None
Account Research	$60Not compared: Charged per hour; comparison unavailable	per hour	None
Excess Transaction Fee An excess transaction fee on Savings & Money Market accounts that exceeds the 6-transaction limit	$10	per item	None
Overdraft & NSF
Overdraft Privilege (Courtesy Pay Program)	$30	per item	None
NSF – Non-Sufficient Funds	$35	per item	None
ATM & Card
Foreign ATM & Non-CO-OP Network ATM	$3	per item	None
Debit Card Replacement	$5	per item	None
Debit Card Replacement (Rush Order)	$50	per item	None
Wire Transfers
Domestic Wire Transfer Outgoing	$30	per item	None
Domestic Wire Transfer Incoming	$10	per item	None
Foreign Wire Transfer	$70	per item	None
Check Services
Cashier’s Check & Corporate Check Purchases	$15	per item	None
Money Order	$5	per item	None
Stop Payment	$25	Not stated	None
Temporary Checks	$10	per item	For each page of temporary checks printed on more than 2 sheets of paper per year
Temporary Checks A fee of $10.00 for each page of temporary checks printed on more than 2 sheets of paper per year	$10	per item	None
Check Cashing	$10	per item	None
Foreign Item & Cash Letter Processing	$35	per item	None
Collection Item	$25	per item	None
Cash & Deposit
Coin Machine Redemption	10%	Not stated	None
Phone Cash Advance	$10	per transaction	None
Account Services
Notary Service	$15	Not stated	None
Legal Attachments, Levies, and Garnishment Fee A fee of $60.00 for each notice we process	$60	per item	None
Retirement & IRA
Annual fee	$10	per year	None
IRA Direct Transfer	$25	per item	None
Other Fees
Skip-a-Payment	$35	Not stated	None

Correct a fee source

Oct 4, 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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