Sea Air Federal Credit Union

Headquarters: Seal Beach, California
Charter: Credit Union
Assets: $118.8M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 9, 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
SHARE DRAFT (CHECKING) ACCOUNT FEES
Sea Air Federal Credit Union: $20
Sea Air Federal Credit Union: $20
U.S. median: no median
Cashier's Check
Sea Air Federal Credit Union: $5
Sea Air Federal Credit Union: $5
U.S. median: no median
Account Verification
Sea Air Federal Credit Union: $30
Sea Air Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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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Among its peers

Sea Air Federal Credit Union · $119M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$115M to $122M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sea Air Federal Credit Union(this institution)	Seal Beach, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
A.A.E.C. Federal Credit Union	Arlington Heights, IL	$119M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brewer Federal Credit Union	Brewer, ME	$118M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Casco Federal Credit Union	Gorham, ME	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centex Citizens Federal Credit Union	Mexia, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cgr Federal Credit Union	Macon, GA	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Circle Federal Credit Union	Niles, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Federal Credit Union	Lewiston, ME	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Estacado Federal Credit Union	Hobbs, NM	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First American Federal Credit Union	Casa Grande, AZ	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Governmental Employees Federal Credit Union	La Crosse, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hancock Federal Credit Union	Findlay, OH	$118M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Marquette Community Federal Credit Union	Marquette, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Federal Credit Union	Charlotte, NC	$121M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Omaha Federal Credit Union	Omaha, NE	$118M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Prestige Community Federal Credit Union	Dallas, TX	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Richland Federal Credit Union	Sidney, MT	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sound Federal Credit Union	Norwalk, CT	$116M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Local Federal Credit Union	Fresno, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valley Federal Credit Union	Brownsville, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Salem, OR	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
White Rose Federal Credit Union	York, PA	$115M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wichita Falls Teachers Federal Credit Union	Wichita Falls, TX	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $13 (186%) above the median of similar-sized credit unions.

Its published price is $20, against a peer median of $7 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sea Air Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Sea Air Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge for Second Chance Checking$20
per month
Inactive Account Fee (per quarter)$25
Not compared: Quarterly charge, not monthly
per quarter
Research Fee (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour

Check Services

Each additional corporate check$5
per item
Foreign Item Collection (per item)$30
per item
Merchant Collection Item$45

Digital & Electronic

Mobile Deposit Adjustment$5

Cash & Deposit

Coin Machine5%

Account Services

Subordination Fee$100
Verification of Deposit/Mortgage$30

Retirement & IRA

IRA Trustee Transfer$25

Other Fees

Account History or Statement Reproduction: Each additional$2
per item
Loan Document Copy (per copy)$5
per item
Loan Modification$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge for Second Chance Checking	$20	per month	None
Inactive Account Fee (per quarter)	$25Not compared: Quarterly charge, not monthly	per quarter	None
Research Fee (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Check Services
Each additional corporate check	$5	per item	None
Foreign Item Collection (per item)	$30	per item	None
Merchant Collection Item	$45	Not stated	None
Digital & Electronic
Mobile Deposit Adjustment	$5	Not stated	None
Cash & Deposit
Coin Machine	5%	Not stated	None
Account Services
Subordination Fee	$100	Not stated	None
Verification of Deposit/Mortgage	$30	Not stated	None
Retirement & IRA
IRA Trustee Transfer	$25	Not stated	None
Other Fees
Account History or Statement Reproduction: Each additional	$2	per item	None
Loan Document Copy (per copy)	$5	per item	None
Loan Modification	$50	Not stated	None

Account Maintenance

Average daily balance is less than $2,500$10
Escheat Notice Mailing Fee$10

Overdraft & NSF

Overdraft (OD)$35
Return Item/NSF Fee (per Item)$35
per item

ATM & Card

Replacement Cards .$5
Debit Card Rush$25

Wire Transfers

Outgoing Wire Transfer$30
Incoming Wire Transfer$10
Outgoing Wire Transfer (International)$50
Incoming Wire Transfer (International)$30

Check Services

Money Order$5
Stop Payment$35
Copy of Deposit Item$5

Account Services

Executions or Attachments (per response)$60
State Levies (per response)$60

Fee	Amount	Basis	Note
Account Maintenance
Average daily balance is less than $2,500	$10	Not stated	None
Escheat Notice Mailing Fee	$10	Not stated	None
Overdraft & NSF
Overdraft (OD)	$35	Not stated	None
Return Item/NSF Fee (per Item)	$35	per item	None
ATM & Card
Replacement Cards .	$5	Not stated	None
Debit Card Rush	$25	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$30	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Outgoing Wire Transfer (International)	$50	Not stated	None
Incoming Wire Transfer (International)	$30	Not stated	None
Check Services
Money Order	$5	Not stated	None
Stop Payment	$35	Not stated	None
Copy of Deposit Item	$5	Not stated	None
Account Services
Executions or Attachments (per response)	$60	Not stated	None
State Levies (per response)	$60	Not stated	None

Correct a fee source

Oct 9, 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

Get an email when Sea Air Federal Credit Union's wire transfer changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
SHARE DRAFT (CHECKING) ACCOUNT FEES
Sea Air Federal Credit Union: $20
Sea Air Federal Credit Union: $20
U.S. median: no median
Cashier's Check
Sea Air Federal Credit Union: $5
Sea Air Federal Credit Union: $5
U.S. median: no median
Account Verification
Sea Air Federal Credit Union: $30
Sea Air Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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.

Among its peers

Sea Air Federal Credit Union · $119M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$115M to $122M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sea Air Federal Credit Union(this institution)	Seal Beach, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
A.A.E.C. Federal Credit Union	Arlington Heights, IL	$119M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brewer Federal Credit Union	Brewer, ME	$118M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Casco Federal Credit Union	Gorham, ME	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centex Citizens Federal Credit Union	Mexia, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cgr Federal Credit Union	Macon, GA	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Circle Federal Credit Union	Niles, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Federal Credit Union	Lewiston, ME	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Estacado Federal Credit Union	Hobbs, NM	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First American Federal Credit Union	Casa Grande, AZ	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Governmental Employees Federal Credit Union	La Crosse, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hancock Federal Credit Union	Findlay, OH	$118M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Marquette Community Federal Credit Union	Marquette, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Federal Credit Union	Charlotte, NC	$121M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Omaha Federal Credit Union	Omaha, NE	$118M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Prestige Community Federal Credit Union	Dallas, TX	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Richland Federal Credit Union	Sidney, MT	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sound Federal Credit Union	Norwalk, CT	$116M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Local Federal Credit Union	Fresno, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valley Federal Credit Union	Brownsville, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Salem, OR	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
White Rose Federal Credit Union	York, PA	$115M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wichita Falls Teachers Federal Credit Union	Wichita Falls, TX	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $13 (186%) above the median of similar-sized credit unions.

Its published price is $20, against a peer median of $7 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sea Air Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Sea Air Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge for Second Chance Checking$20
per month
Inactive Account Fee (per quarter)$25
Not compared: Quarterly charge, not monthly
per quarter
Research Fee (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour

Check Services

Each additional corporate check$5
per item
Foreign Item Collection (per item)$30
per item
Merchant Collection Item$45

Digital & Electronic

Mobile Deposit Adjustment$5

Cash & Deposit

Coin Machine5%

Account Services

Subordination Fee$100
Verification of Deposit/Mortgage$30

Retirement & IRA

IRA Trustee Transfer$25

Other Fees

Account History or Statement Reproduction: Each additional$2
per item
Loan Document Copy (per copy)$5
per item
Loan Modification$50

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge for Second Chance Checking	$20	per month	None
Inactive Account Fee (per quarter)	$25Not compared: Quarterly charge, not monthly	per quarter	None
Research Fee (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Check Services
Each additional corporate check	$5	per item	None
Foreign Item Collection (per item)	$30	per item	None
Merchant Collection Item	$45	Not stated	None
Digital & Electronic
Mobile Deposit Adjustment	$5	Not stated	None
Cash & Deposit
Coin Machine	5%	Not stated	None
Account Services
Subordination Fee	$100	Not stated	None
Verification of Deposit/Mortgage	$30	Not stated	None
Retirement & IRA
IRA Trustee Transfer	$25	Not stated	None
Other Fees
Account History or Statement Reproduction: Each additional	$2	per item	None
Loan Document Copy (per copy)	$5	per item	None
Loan Modification	$50	Not stated	None

Account Maintenance

Average daily balance is less than $2,500$10
Escheat Notice Mailing Fee$10

Overdraft & NSF

Overdraft (OD)$35
Return Item/NSF Fee (per Item)$35
per item

ATM & Card

Replacement Cards .$5
Debit Card Rush$25

Wire Transfers

Outgoing Wire Transfer$30
Incoming Wire Transfer$10
Outgoing Wire Transfer (International)$50
Incoming Wire Transfer (International)$30

Check Services

Money Order$5
Stop Payment$35
Copy of Deposit Item$5

Account Services

Executions or Attachments (per response)$60
State Levies (per response)$60

Fee	Amount	Basis	Note
Account Maintenance
Average daily balance is less than $2,500	$10	Not stated	None
Escheat Notice Mailing Fee	$10	Not stated	None
Overdraft & NSF
Overdraft (OD)	$35	Not stated	None
Return Item/NSF Fee (per Item)	$35	per item	None
ATM & Card
Replacement Cards .	$5	Not stated	None
Debit Card Rush	$25	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$30	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Outgoing Wire Transfer (International)	$50	Not stated	None
Incoming Wire Transfer (International)	$30	Not stated	None
Check Services
Money Order	$5	Not stated	None
Stop Payment	$35	Not stated	None
Copy of Deposit Item	$5	Not stated	None
Account Services
Executions or Attachments (per response)	$60	Not stated	None
State Levies (per response)	$60	Not stated	None

Correct a fee source

Oct 9, 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.