Golden Valley Federal Credit Union

Headquarters: Manteca, California
Charter: Credit Union
Assets: $39.7M
Fed district: San Francisco

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
Golden Valley Federal Credit Union: $2 to $15
Golden Valley Federal Credit Union: $2 to $15
U.S. median: no median
Overdraft (OD)
Golden Valley Federal Credit Union: $30
Golden Valley Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Golden Valley Federal Credit Union: $30
Golden Valley Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Golden Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee =$2
per month
Monthly fee = (audience not stated, treated as personal)$10
per month
Monthly Fee = (audience not stated, treated as personal)$15
per month
Below Minimum Balance (Regular Share Account)$5
per month
Dormant Account$10
Not compared: Annual charge, not monthly
per year
Escheat Notice$2
Checking Account Reconciliation (1 hour minimum)$35
Not compared: Charged per hour; comparison unavailable
per hour
Address Correction Fee$5
Bad Address (2 return statements in 12 month period)$10

Overdraft & NSF

Paid Overdraft$30
NSF Electronic Funds Transaction$30
Negative Balance Fee (Accounts with negative balance for 15 days)$10

ATM & Card

ATM Transaction (1 st 15 per month free)$1
Not compared: Monthly charge, not per item
per month
Non-Velera/CO-OP ATM usage$2
ATM Card Replacement$10

Wire Transfers

Outgoing Domestic Wire$25
Incoming Domestic Wire$5
Outgoing Foreign Wire$40
Incoming Foreign Wire$10

Check Services

Teller Check Payable to a second Party (Other than Title Company)$5
Place stop payment$20
Teller Check Stop Payment$30
Copy of Paid Check$5

Digital & Electronic

Bill Pay (if not used for the calendar month)$5

Cash & Deposit

Deposit Item Returned Unpaid$30

Account Services

Levy or Court Order$25
Verification of Deposit Fee$10

Other Fees

Duplicate Statement Request$5
FAX (Up to 5 pages $1 per page after)$3
per item
Existing CU Loan Refinance Fee$200

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee =	$2	per month	None
Monthly fee = (audience not stated, treated as personal)	$10	per month	None
Monthly Fee = (audience not stated, treated as personal)	$15	per month	None
Below Minimum Balance (Regular Share Account)	$5	per month	None
Dormant Account	$10Not compared: Annual charge, not monthly	per year	None
Escheat Notice	$2	Not stated	None
Checking Account Reconciliation (1 hour minimum)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Address Correction Fee	$5	Not stated	None
Bad Address (2 return statements in 12 month period)	$10	Not stated	None
Overdraft & NSF
Paid Overdraft	$30	Not stated	None
NSF Electronic Funds Transaction	$30	Not stated	None
Negative Balance Fee (Accounts with negative balance for 15 days)	$10	Not stated	None
ATM & Card
ATM Transaction (1 st 15 per month free)	$1Not compared: Monthly charge, not per item	per month	None
Non-Velera/CO-OP ATM usage	$2	Not stated	None
ATM Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Incoming Domestic Wire	$5	Not stated	None
Outgoing Foreign Wire	$40	Not stated	None
Incoming Foreign Wire	$10	Not stated	None
Check Services
Teller Check Payable to a second Party (Other than Title Company)	$5	Not stated	None
Place stop payment	$20	Not stated	None
Teller Check Stop Payment	$30	Not stated	None
Copy of Paid Check	$5	Not stated	None
Digital & Electronic
Bill Pay (if not used for the calendar month)	$5	Not stated	None
Cash & Deposit
Deposit Item Returned Unpaid	$30	Not stated	None
Account Services
Levy or Court Order	$25	Not stated	None
Verification of Deposit Fee	$10	Not stated	None
Other Fees
Duplicate Statement Request	$5	Not stated	None
FAX (Up to 5 pages $1 per page after)	$3	per item	None
Existing CU Loan Refinance Fee	$200	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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