Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

La Loma Federal Credit Union

Loma Linda, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account - after 1 year$3Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Late Payment fee (Overdraft L-O-C)$15Below the typical range ($25–$32 nationally)
$15 below the national median
Source
MEMBERSHIP FEES | Overdraft/Courtesy Pay - NSF item$30Within the typical range ($25–$32 nationally)
At the national median
Source
MONTHLY SERVICE FEES Returned Share Draft/ACH Debit - NSF$30Within the typical range ($25–$31.50 nationally)
At the national median
per month · Source
Overdraft Protection transfer from L-O-C$5Within the typical range ($3–$5 nationally)
At the national median
Source

Check ServicesVerified

Boom Savings (under 18) None Temporary Checks (New Acct - 1st 8 checks free)$3Within the typical range ($1–$4 nationally)
$1 above the national median
Source
Money Market Account None Cashier's Check (payable to third party)$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
per month Check Cashing (greater than )$8Within the typical range ($5–$10 nationally)
$3 above the national median
per month · Source
Stop Payment (Drafts/ACH/Bill Payment)$30Within the typical range ($20–$30 nationally)
$3 above the national median
Source

Account ServicesVerified

monthly Levy$50Within the typical range ($30–$75 nationally)
At the national median
per month · Source
Notary (Members Only)$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Source
Subordination fee$175Above the typical range ($50–$150 nationally)
$75 above the national median
Source
Subpoena/Research (1 hour minimum)$15Below the typical range ($50–$150 nationally)
$85 below the national median
Source

Other FeesVerified

Loan Extension fee$20Below the typical range ($22.50–$35 nationally)
$10 below the national median
Source
Skip a Payment fee$40Above the typical range ($22.50–$35 nationally)
$10 above the national median
per month · Source
Statement Copies$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account - after 1 year	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	—	Source
Escheatment Notice	$3Below the typical range ($5–$10 nationally)	$2 below the national median	—	—	Source
minimum balance fee	$3Within the typical range ($3–$10 nationally)	$2 below the national median	per month	—	Source
Premature Closure of Certificate Account 90 days Interest Account Research (1 hour minimum)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
Late Payment fee (Overdraft L-O-C)	$15Below the typical range ($25–$32 nationally)	$15 below the national median	—	—	Source
MEMBERSHIP FEES \| Overdraft/Courtesy Pay - NSF item	$30
ATM & CardVerified
Replace lost/stolen VISA/ATM card	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Boom Savings (under 18) None Temporary Checks (New Acct - 1st 8 checks free)	$3Within the typical range ($1–$4 nationally)	$1 above the national median	—	—	Source
Money Market Account None Cashier's Check (payable to third party)	$5
Digital & ElectronicVerified
CARD SERVICE FEES \| Copy of Bill Pay Activity on CD	$30Above the typical range ($0–$10 nationally)	$25.05 above the national median	—	—	Source
Cash & DepositVerified
Returned Deposit Item	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Account ServicesVerified
monthly Levy	$50Within the typical range ($30–$75 nationally)	At the national median	per month	—	Source
Notary (Members Only)	$15
Lending FeesVerified
VISA Late Payment fee	$20Within the typical range ($11.25–$25 nationally)	At the national median	—	—	Source
Mortgage ServicingVerified
Real Estate Loan Modification fee	$500Above the typical range ($35–$237.50 nationally)	$400 above the national median	—	—	Source
Other FeesVerified
Loan Extension fee	$20Below the typical range ($22.50–$35 nationally)	$10 below the national median	—	—	Source
Skip a Payment fee	$40

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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

$15

Overdraft fee: $15

50% below the national median overdraft fee

Total fees: 24 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$116.6M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$116.6M

Total deposits

$110.5M

Service charge income (year to date)

$208K

Fee income ratio

7.2%

Return on assets

0.60%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 39,720 published fee entries from 2,775 institutions

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