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, $300M to $1B

Downey Federal Credit Union

Downey, 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

Account Closure Fee (Within 6 months of opening)$10Within the typical range ($10–$25 nationally)

Account Reconciliation/Research$20

$5 below the national median

Source

Dormancy Fee (For accounts with 12-months of no activity)$3

$2 below the national median

per month · Source

Escheat Property Fee$2

$3 below the national median

Source

Paper Statements$2

$1 below the national median

per month · Source

Overdraft & NSFVerified

Check Returned Unpaid Item (NSF)$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
Source

ATM & CardVerified

Debit & Credit Rush Card Replacement$25Below the typical range ($30–$50 nationally)
$15 below the national median
Source
Excessive Card Replacement (more than 2 in a 12-month period)$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Foreign ATM Fee (Non-DFCU, Non-CO-OP ATMs)$1Within the typical range ($1–$2.50 nationally)
$0.95 below the national median
per transaction · Source

Check ServicesVerified

Copy of a Check$4Within the typical range ($2–$5 nationally)
$1 above the national median
Source
Non-Member Check Cashing on DFCU Account$5Within the typical range ($5–$10 nationally)
At the national median
Source

Digital & ElectronicVerified

ACH Debit Returned Unpaid (NSF)$25Within the typical range ($19.75–$30 nationally)
$2 below the national median
Source
Online Bill Pay$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Source

Cash & DepositVerified

Credit Card Annual Fee, Cash Advance Fee$0Below the typical range ($3–$10 nationally)
$5 below the national median
per year · Source
Deposit Item Returned Unpaid$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source

Account ServicesVerified

IRS Tax Levy and Writ of Execution$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source
Key Replacement$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source

Lending FeesVerified

Credit Card Late Payment Fee$20Within the typical range ($11.06–$25 nationally)
At the national median
Source

Retirement & IRAVerified

IRA Transfer (Transfer of IRA to another financial institution)$20Below the typical range ($25–$35 nationally)
$5 below the national median
Source

Other FeesVerified

Payday Alternative Loan Application Fee$20Below the typical range ($22.50–$35 nationally)
$10 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closure Fee (Within 6 months of opening)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account Reconciliation/Research	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Dormancy Fee (For accounts with 12-months of no activity)	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	—	Source
Escheat Property Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
Paper Statements	$2Within the typical range ($2–$4.50 nationally)	$1 below the national median	per month	—	Source
Overdraft & NSFVerified
Check Returned Unpaid Item (NSF)	$25Within the typical range ($25–$31.50 nationally)	$5 below the national median	—	—	Source
ATM & CardVerified
Debit & Credit Rush Card Replacement	$25Below the typical range ($30–$50 nationally)	$15 below the national median	—	—	Source
Excessive Card Replacement (more than 2 in a 12-month period)	$5
Check ServicesVerified
Copy of a Check	$4Within the typical range ($2–$5 nationally)	$1 above the national median	—	—	Source
Non-Member Check Cashing on DFCU Account	$5
Digital & ElectronicVerified
ACH Debit Returned Unpaid (NSF)	$25Within the typical range ($19.75–$30 nationally)	$2 below the national median	—	—	Source
Online Bill Pay	$0
Cash & DepositVerified
Credit Card Annual Fee, Cash Advance Fee	$0Below the typical range ($3–$10 nationally)	$5 below the national median	per year	—	Source
Deposit Item Returned Unpaid	$10
Account ServicesVerified
IRS Tax Levy and Writ of Execution	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Key Replacement	$50
Lending FeesVerified
Credit Card Late Payment Fee	$20Within the typical range ($11.06–$25 nationally)	At the national median	—	—	Source
Retirement & IRAVerified
IRA Transfer (Transfer of IRA to another financial institution)	$20Below the typical range ($25–$35 nationally)	$5 below the national median	—	—	Source
Other FeesVerified
Payday Alternative Loan Application Fee	$20Below the typical range ($22.50–$35 nationally)	$10 below 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.

NSF fee: $25

17% below the national median NSF fee

Total fees: 20 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$327.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$327.9M

Total deposits

$267.9M

Service charge income (year to date)

$365K

Fee income ratio

4.1%

Return on assets

0.32%

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 39,755 published fee entries from 2,777 institutions

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