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

Golden Valley Federal Credit Union

Manteca, CaliforniaCredit UnionSan Francisco Fed districtFees collected Feb 17, 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

♦ Checking Account Reconciliation (1 hour minimum) | Per Hour$35Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

♦ NSF Electronic Funds Transaction$30Within the typical range ($25–$31 nationally)
At the national median
Source
♦ Paid Overdraft$30Within the typical range ($25–$32 nationally)
At the national median
Source
♦ Self to Self-Return Item$40Above the typical range ($25–$31 nationally)
$10 above the national median
Source

ATM & CardVerified

♦ ATM Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source
♦ ATM Transaction (1 st 15 per month free)$1Within the typical range ($1–$2.50 nationally)
$0.63 below the national median
per month · Source
♦ Non-Velera/CO-OP ATM usage$2Within the typical range ($1–$2.50 nationally)
$0.37 above the national median
Source

Wire TransfersVerified

♦ Incoming Domestic Wire$5Within the typical range ($5–$15 nationally)
$5 below the national median
Source
♦ Incoming Foreign Wire$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source
♦ Outgoing Domestic Wire$25Within the typical range ($20–$25 nationally)
At the national median
Source
♦ Outgoing Foreign Wire$40Within the typical range ($40–$50 nationally)
$10 below the national median
Source

Check ServicesVerified

♦ Copy of Paid Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
♦ Money Order | ($3Within the typical range ($1.50–$3 nationally)
$1 above the national median
Source
♦ Teller Check Payable to a second Party (Other than Title Company)$5Within the typical range ($3–$5 nationally)
At the national median
Source
♦ Teller Check Stop Payment$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source

Account ServicesVerified

♦ Levy or Court Order$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source
♦ Verification of Deposit Fee$10Within the typical range ($10–$15 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
♦ Checking Account Reconciliation (1 hour minimum) \| Per Hour	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
♦ Christmas Club Early Withdrawal	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
♦ Dormant Account \| Annually	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per year	—	Source
♦ Escheat Notice	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
Overdraft & NSFVerified
♦ NSF Electronic Funds Transaction	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
♦ Paid Overdraft	$30
ATM & CardVerified
♦ ATM Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
♦ ATM Transaction (1 st 15 per month free)	$1
Wire TransfersVerified
♦ Incoming Domestic Wire	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	—	Source
♦ Incoming Foreign Wire	$10
Check ServicesVerified
♦ Copy of Paid Check	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
♦ Money Order \| (	$3
Digital & ElectronicVerified
♦ Bill Pay (if not used for the calendar month)	$5Within the typical range ($0–$10.15 nationally)	$0.05 above the national median	—	—	Source
Cash & DepositVerified
♦ Deposit Item Returned Unpaid	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Account ServicesVerified
♦ Levy or Court Order	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
♦ Verification of Deposit Fee	$10
Other FeesVerified
♦ Duplicate Statement Request	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 23 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$39.7M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$39.7M

Total deposits

$35.0M

Service charge income (year to date)

$15K

Fee income ratio

1.5%

Return on assets

0.76%

Financial profile · Pro

Golden Valley Federal Credit Union

Published fees

Get an email when Golden Valley Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings