Capstone Federal Credit Union

Headquarters: Aliso Viejo, California
Charter: Credit Union
Assets: $31.9M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Capstone Federal Credit Union: $33
Capstone Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Capstone Federal Credit Union: $33
Capstone Federal Credit Union: $33
U.S. median: no median
Wire Transfer (Domestic Out)
Capstone Federal Credit Union: $25
Capstone Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 Capstone Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant/Inactive Fee (Monthly)$10
per month
Account Research$50
Returned Mail with no return address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee Charge$33
per item
Debits reversed/returned due to insufficient funds$33
per item
Automatic Overdraft from eligible account$5
per transaction

ATM & Card

Replacement Card (Each), Reissue or Lost/Stolen (each)$10
per item
Express Card Order(2 day RUSH)$100
per item

Wire Transfers

Wire – Domestic$25
per transaction
Wire – Incoming$5
per transaction
Wire – International$45
per transaction

Check Services

Cashier’s Check$10
per item
Cashiers Checks - Cash or from funds on deposit with CFCU$5
per item
Money Order$5
Money Orders (Up to $1,000.00)$5
per item
ACH Stop Payment Fee, Each Occurance$25
per item
Stop Payment Request (Good for 6 months)$25
per item
Temporary Checks (10 pack)$5
per item
Collection Item (Foreign or Domestic)$35
per item
Copies of Checks (CU assisted)$5
per item
Copies of Checks (online)No charge

Digital & Electronic

Bill Pay ServiceNo charge

Cash & Deposit

Cash Advance Fee1%of the advance ($1 minimum)
Cash Advance Fee (audience not stated, treated as personal)1%of the advance ($1 minimum)
ATM Deposit Returned Item Fee, per item$30
per item
Returned Deposited Item Fee$30
per item

Account Services

Notary$15
per item
Notary Fees - CFCU DocumentNo charge
per item
Levies, i.e. Child Support, IRS, EDD, Liens$35
per item
Verification of Depost (VOD’s) by lender$10
per item

Lending Fees

Late Fee$25
per item

Other Fees

Fed Ex (2 Business Day)$50
per item
Statement Copy Fee$5
per item
Auto Loan tracking fee( one time fee)$10
one time
Lien Satisfied$5
one time
Loan Modification Fee (No Advance Requirement)$50
one time
ReConveyance Fee (Mortgages)$195
one time
Returned Check Fee on loan payments$30
per item
Skip Payment Fee (CFCU Loans Only)$45
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactive Fee (Monthly)	$10	per month	None
Account Research	$50	Not stated	None
Returned Mail with no return address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee Charge	$33	per item	None
Debits reversed/returned due to insufficient funds	$33	per item	None
Automatic Overdraft from eligible account	$5	per transaction	None
ATM & Card
Replacement Card (Each), Reissue or Lost/Stolen (each)	$10	per item	None
Express Card Order(2 day RUSH)	$100	per item	None
Wire Transfers
Wire – Domestic	$25	per transaction	None
Wire – Incoming	$5	per transaction	None
Wire – International	$45	per transaction	None
Check Services
Cashier’s Check	$10	per item	None
Cashiers Checks - Cash or from funds on deposit with CFCU	$5	per item	None
Money Order	$5	Not stated	None
Money Orders (Up to $1,000.00)	$5	per item	None
ACH Stop Payment Fee, Each Occurance	$25	per item	None
Stop Payment Request (Good for 6 months)	$25	per item	None
Temporary Checks (10 pack)	$5	per item	None
Collection Item (Foreign or Domestic)	$35	per item	None
Copies of Checks (CU assisted)	$5	per item	None
Copies of Checks (online)	No charge	Not stated	None
Digital & Electronic
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Cash Advance Fee	1%of the advance ($1 minimum)	Not stated	None
Cash Advance Fee (audience not stated, treated as personal)	1%of the advance ($1 minimum)	Not stated	None
ATM Deposit Returned Item Fee, per item	$30	per item	None
Returned Deposited Item Fee	$30	per item	None
Account Services
Notary	$15	per item	None
Notary Fees - CFCU Document	No charge	per item	None
Levies, i.e. Child Support, IRS, EDD, Liens	$35	per item	None
Verification of Depost (VOD’s) by lender	$10	per item	None
Lending Fees
Late Fee	$25	per item	None
Other Fees
Fed Ex (2 Business Day)	$50	per item	None
Statement Copy Fee	$5	per item	None
Auto Loan tracking fee( one time fee)	$10	one time	None
Lien Satisfied	$5	one time	None
Loan Modification Fee (No Advance Requirement)	$50	one time	None
ReConveyance Fee (Mortgages)	$195	one time	None
Returned Check Fee on loan payments	$30	per item	None
Skip Payment Fee (CFCU Loans Only)	$45	per item	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 26, 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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