Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Espeeco Federal Credit Union

Bakersfield, CaliforniaCredit UnionSan Francisco Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

SHARE AND SHAREDRAFT FEES | Sharedraft Monthly Service Fee$6Within the typical range ($4–$12.63 nationally)

per month · Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=monthly_maintenance; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES | Sharedraft Monthly Service Fee | $6.00 on the 1st of each month" · Source

Overdraft & NSFVerified

SHARE AND SHAREDRAFT FEES | Courtesy Pay$20Within the typical range ($20–$30 nationally)
$8 below the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=overdraft; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES | Courtesy Pay | $20.00" · Source
SHARE AND SHAREDRAFT FEES | Non-Sufficient-Funds (return)$30Within the typical range ($25–$32 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=nsf; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES | Non-Sufficient-Funds (return) | $30.00" · Source

ATM & CardVerified

ATM FEES | ATM Cash Withdrawal Fee$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=atm_non_network; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="ATM FEES | ATM Cash Withdrawal Fee | $1.00" · Source
ATM FEES | ATM Replacement Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=card_replacement; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="ATM FEES | ATM Replacement Card | $15.00" · Source

Check ServicesVerified

SHARE AND SHAREDRAFT FEES | Copy of Check$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=check_image; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES | Copy of Check | $3.00" · Source
SHARE AND SHAREDRAFT FEES | Stop Payment on Checks$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=stop_payment; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES | Stop Payment on Checks | $20.00" · Source

Account ServicesVerified

MISCELLANEOUS FEES | Account Verification$10Within the typical range ($5–$16.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=account_verification; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="MISCELLANEOUS FEES | Account Verification | $10.00" · Source
MISCELLANEOUS FEES | Legal Process (levies, garnishments)$30Within the typical range ($25–$75 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=garnishment_levy; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="MISCELLANEOUS FEES | Legal Process (levies, garnishments) | $30.00" · Source

Lending FeesVerified

MISCELLANEOUS FEES | Loan extension charge$25Within the typical range ($25–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=loan_origination; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="MISCELLANEOUS FEES | Loan extension charge | $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
SHARE AND SHAREDRAFT FEES \| Sharedraft Monthly Service Fee	$6Within the typical range ($4–$12.63 nationally)	$0.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=monthly_maintenance; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES \| Sharedraft Monthly Service Fee \| $6.00 on the 1st of each month"	Source
Overdraft & NSFVerified
SHARE AND SHAREDRAFT FEES \| Courtesy Pay	$20Within the typical range ($20–$30 nationally)	$8 below the national median	—	Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=overdraft; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES \| Courtesy Pay \| $20.00"	Source
SHARE AND SHAREDRAFT FEES \| Non-Sufficient-Funds (return)
ATM & CardVerified
ATM FEES \| ATM Cash Withdrawal Fee	$1Within the typical range ($1–$3 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=atm_non_network; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="ATM FEES \| ATM Cash Withdrawal Fee \| $1.00"	Source
ATM FEES \| ATM Replacement Card
Check ServicesVerified
SHARE AND SHAREDRAFT FEES \| Copy of Check	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=check_image; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="SHARE AND SHAREDRAFT FEES \| Copy of Check \| $3.00"	Source
SHARE AND SHAREDRAFT FEES \| Stop Payment on Checks
Account ServicesVerified
MISCELLANEOUS FEES \| Account Verification	$10Within the typical range ($5–$16.13 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=account_verification; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="MISCELLANEOUS FEES \| Account Verification \| $10.00"	Source
MISCELLANEOUS FEES \| Legal Process (levies, garnishments)
Lending FeesVerified
MISCELLANEOUS FEES \| Loan extension charge	$25Within the typical range ($25–$50 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #5626. canonical_hint=loan_origination; text_hash=20f05894918a5a9bdc6a3ab516cd4cb70816f6d00cca34b85e19975aceb67eb7; excerpt="MISCELLANEOUS FEES \| Loan extension charge \| $25.00"	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

$20

Overdraft fee: $20

29% below the national median overdraft fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$12.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$12.0M

Total deposits

$11.3M

Service charge income (year to date)

$31K

Fee income ratio

9.5%

Return on assets

-0.86%

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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Based on 20,792 verified fees from 2,117 institutions

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