vs. U.S. typical range:LowerTypicalHigher
$5 above the national median$6.50 above the California median
per month · Source
$32.50 above the national median$30 above the California median
$3 above the national median$8 above the California median
per item · Source
$3 above the national median$10 above the California median
per item · Source
At the national median$2 above the California median
per item · Source
At the national medianAt the California median
per item · Source
$60 above the national median$55 above the California median
per item · Source
At the national medianAt the California median
per transaction · Source
$5 below the national median$5 below the California median
per transaction · Source
$5 below the national medianAt the California median
per transaction · Source
$5 above the national median$5 above the California median
per item · Source
At the national medianAt the California median
per item · Source
$3 above the national median$2 above the California median
$2.50 below the national median$2.50 above the California median
per item · Source
$3 above the national median$2 above the California median
per item · Source
$2 above the national median$2 above the California median
per item · Source
$3 below the national median$3 below the California median
$2.50 below the national median$5 below the California median
$15 above the national median$12 above the California median
per item · Source
$12.50 above the national medianAt the California median
per item · Source
$2.50 below the national median$15 below the California median
per item · Source
$15 below the national median$10 below the California median
per item · Source
At the national medianAt the California median
per item · Source
$5 above the national median$5 above the California median
per item · Source
$20 above the national median$25 above the California median
per item · Source
$2 above the national median$0.50 above the California median
per item · Source
$12.50 above the national median$25 below the California median
one time · Source
$157.50 above the national median$120 above the California median
one time · Source
$7.50 above the national median$30 below the California median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant/Inactive Fee (Monthly) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$6.50 above the California median | per month | — | Source |
| Account Research | $50Above the typical range ($12–$25 nationally) | $32.50 above the national median$30 above the California median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fee Charge | $33Within the typical range ($25–$33 nationally) | $3 above the national median$8 above the California median | per item | — | Source |
| Debits reversed/returned due to insufficient funds | $33 | ||||
ATM & CardVerified | |||||
| Replacement Card (Each), Reissue or Lost/Stolen (each) | $10Within the typical range ($5–$10 nationally) | At the national medianAt the California median | per item | — | Source |
| Express Card Order(2 day RUSH) | $100 | ||||
Wire TransfersVerified | |||||
| Wire – Domestic | $25Within the typical range ($20–$25 nationally) | At the national medianAt the California median | per transaction | — | Source |
| Wire – Incoming | $5 | ||||
Check ServicesVerified | |||||
| Cashier’s Check | $10Above the typical range ($3–$6 nationally) | $5 above the national median$5 above the California median | per item | — | Source |
| Cashiers Checks - Cash or from funds on deposit with CFCU | $5 | ||||
Digital & ElectronicVerified | |||||
| Bill Pay Service | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$5 below the California median | — | — | Source |
Cash & DepositVerified | |||||
| ATM Deposit Returned Item Fee, per item | $30Above the typical range ($8–$25 nationally) | $15 above the national median$12 above the California median | per item | — | Source |
Account ServicesVerified | |||||
| Notary | $15Above the typical range ($0–$5 nationally) | $12.50 above the national medianAt the California median | per item | — | Source |
| Notary Fees - CFCU Document | $0 | ||||
Lending FeesVerified | |||||
| Late Fee | $25Within the typical range ($10–$25 nationally) | $5 above the national median$5 above the California median | per item | — | Source |
Other FeesVerified | |||||
| Fed Ex (2 Business Day) | $50Above the typical range ($20–$40 nationally) | $20 above the national median$25 above the California median | per item | — | Source |
| Statement Copy Fee | $5 | ||||
Overdraft
$33.00
Of 79 others that publish it, 79 lower and 0 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$33
Headline fees published
10 of 15
Published fees
29
Under review
0
Assets
$31.9M
Work at Capstone Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$31.9M
Total deposits
$27.9M
Service charge income (year to date)
$73K
Fee income ratio
10.1%
Return on assets
-0.03%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $3 above the national median$10 above the California median |
| per item |
| — |
| Source |
| Automatic Overdraft from eligible account | $5Within the typical range ($2.50–$5 nationally) | At the national median$2 above the California median | per item | — | Source |
| $60 above the national median$55 above the California median |
| per item |
| — |
| Source |
| $5 below the national median$5 below the California median |
| per transaction |
| — |
| Source |
| Wire – International | $45Within the typical range ($40–$50 nationally) | $5 below the national medianAt the California median | per transaction | — | Source |
| At the national medianAt the California median |
| per item |
| — |
| Source |
| Money Order | $5Above the typical range ($1.50–$3 nationally) | $3 above the national median$2 above the California median | — | — | Source |
| ACH Stop Payment Fee, Each Occurance | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$2.50 above the California median | per item | — | Source |
| Temporary Checks (10 pack) | $5Above the typical range ($1–$4 nationally) | $3 above the national median$2 above the California median | per item | — | Source |
| Copies of Checks (CU assisted) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the California median | per item | — | Source |
| Copies of Checks (online) | $0Below the typical range ($2–$5 nationally) | $3 below the national median$3 below the California median | — | — | Source |
| $2.50 below the national median$15 below the California median |
| per item |
| — |
| Source |
| Levies, i.e. Child Support, IRS, EDD, Liens | $35Within the typical range ($30–$87.50 nationally) | $15 below the national median$10 below the California median | per item | — | Source |
| Verification of Depost (VOD’s) by lender | $10Within the typical range ($5–$15 nationally) | At the national medianAt the California median | per item | — | Source |
| $2 above the national median$0.50 above the California median |
| per item |
| — |
| Source |
| Loan Modification Fee (No Advance Requirement) | $50Within the typical range ($25–$100 nationally) | $12.50 above the national median$25 below the California median | one time | — | Source |
| ReConveyance Fee (Mortgages) | $195Above the typical range ($25–$100 nationally) | $157.50 above the national median$120 above the California median | one time | — | Source |
| Skip Payment Fee (CFCU Loans Only) | $45Within the typical range ($25–$100 nationally) | $7.50 above the national median$30 below the California median | per item | — | Source |