vs. U.S. typical range:LowerTypicalHigher
$4 above the national median$2.75 above the Florida median
per month · Source
$3 below the national median$4.25 below the Florida median
per month · Source
$12.50 below the national median$20 below the Florida median
At the national median$5 below the Florida median
per month · Source
$7.50 below the national median$5 below the Florida median
At the national medianAt the Florida median
At the national medianAt the Florida median
At the national median$2 below the Florida median
$3 below the national median$3 below the Florida median
per item · Source
$0.50 above the national medianAt the Florida median
$5 below the national median$5 below the Florida median
At the national medianAt the Florida median
$5 below the national median$5 below the Florida median
$2 below the national median$2 below the Florida median
At the national medianAt the Florida median
$2.50 above the national medianAt the Florida median
$12.50 below the national median$15 below the Florida median
$7.50 below the national median$10 below the Florida median
At the national medianAt the Florida median
per item · Per page (4 checks per page) · Institution’s schedule
At the national medianAt the Florida median
per item · Source
$5 below the national median$10 below the Florida median
$2 above the national median$1 above the Florida median
$15 above the national median$10 above the Florida median
At the national median$50 below the Florida median
$5 below the national median$5 below the Florida median
$0.50 above the national median$1 above the Florida median
$2 above the national median$1.82 above the Florida median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Checking Rebuilder Account Additional Monthly Service Charge | $10Within the typical range ($4–$10 nationally) | $4 above the national median$2.75 above the Florida median | per month | — | Source |
| Monthly Service Charge | $3Below the typical range ($4–$10 nationally) | $3 below the national median$4.25 below the Florida median | per month | — | Source |
| Early Closure Fee – Accounts that are closed within the first six (6) months will be charged – per account | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$20 below the Florida median | — | — | Source |
| Inactivity Fee – Assessed monthly to share account when membership has had no activity for 1 year | $5Within the typical range ($5–$10 nationally) | At the national median$5 below the Florida median | per month | — | Source |
| Returned Mail Fee | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$5 below the Florida median | — | — | Source |
| Printed/Mailed Statement Fee ( Waived for ages 16 and under & 65 and older) | $3Within the typical range ($2–$4.68 nationally) | At the national medianAt the Florida median | — | — | Source |
| Printed/Mailed Statement Fee ( Waived for ages 16 and under & 65 and older) | $3Within the typical range ($2–$4.68 nationally) | At the national medianAt the Florida median | — | — | Source |
Overdraft & NSFVerified | |||||
| Non Sufficient Funds (NSF) Fee / Overdraft Fee | $30Within the typical range ($25–$33 nationally) | At the national median$2 below the Florida median | — | — | Source |
| Overdraft Transfer Fee – Per item | $2 | ||||
ATM & CardVerified | |||||
| ATM Transaction Fee – At terminals not owned by SACFCU or the Presto! Network | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national medianAt the Florida median | — | — | Source |
Wire TransfersVerified | |||||
| Domestic Wire Transfer Fee – Outgoing | $20Within the typical range ($20–$25 nationally) | $5 below the national median$5 below the Florida median | — | — | Source |
| Wire Transfer Fee – Incoming | $10 | ||||
Check ServicesVerified | |||||
| Official Check Purchase | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Florida median | — | — | Source |
| Money Order Purchase | $2 | ||||
Cash & DepositVerified | |||||
| Self to Self Returned Deposit Item Fee – Returned Check | $30Above the typical range ($8–$25 nationally) | $15 above the national median$10 above the Florida median | — | — | Source |
Account ServicesVerified | |||||
| Account Levy Processing Fee | $50Within the typical range ($30–$90 nationally) | At the national median$50 below the Florida median | — | — | Source |
Retirement & IRAVerified | |||||
| IRA Transfer fee (outgoing) | $20Below the typical range ($25–$35 nationally) | $5 below the national median$5 below the Florida median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| Gift Card Fee | $4Within the typical range ($3–$4.95 nationally) | $0.50 above the national median$1 above the Florida median | — | — | Source |
Other FeesVerified | |||||
| Statement Copy Fee – Free with e-Statements | $5Within the typical range ($2–$5 nationally) | $2 above the national median$1.82 above the Florida median | — | — | Source |
Overdraft
$30.00
Of 41 others that publish it, 14 lower, 10 the same and 17 higher.
Monthly maintenance
$6.50
Of 26 others that publish it, 13 lower, 1 the same and 12 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
$30
Headline fees published
11 of 15
Published fees
27
Under review
0
Assets
$399.9M
Work at San Antonio Citizens 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
$399.9M
Total deposits
$356.8M
Service charge income (year to date)
$700K
Fee income ratio
6.3%
Return on assets
1.13%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $3 below the national median$3 below the Florida median |
| per item |
| — |
| Source |
| At the national medianAt the Florida median |
| — |
| — |
| Source |
| International Wire Transfer Fee – Outgoing | $45Within the typical range ($40–$50 nationally) | $5 below the national median$5 below the Florida median | — | — | Source |
| At the national medianAt the Florida median |
| — |
| — |
| Source |
| Check Stop Payment Fee | $30Within the typical range ($20–$30 nationally) | $2.50 above the national medianAt the Florida median | — | — | Source |
| Check Stop Payment Fee | $15Below the typical range ($20–$30 nationally) | $12.50 below the national median$15 below the Florida median | — | — | Source |
| Money Order Stop Payment – Signed affidavit from both payee and remitter required | $20Within the typical range ($20–$30 nationally) | $7.50 below the national median$10 below the Florida median | — | — | Source |
| Temporary Checks | $2Within the typical range ($1–$4 nationally) | At the national medianAt the Florida median | per item | Per page (4 checks per page) | Institution’s schedule |
| Temporary Checks – Per page (4 checks per page) | $2Within the typical range ($1–$4 nationally) | At the national medianAt the Florida median | per item | — | Source |
| Foreign Item Deposit Fee | $15Within the typical range ($10–$25 nationally) | $5 below the national median$10 below the Florida median | — | — | Source |
| Official Check Copy | $5Within the typical range ($2–$5 nationally) | $2 above the national median$1 above the Florida median | — | — | Source |