Downey Federal Credit Union

Headquarters: Downey, California
Charter: Credit Union
Assets: $327.9M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
Shield Advantage Checking Account $5.95 · Shield Elite Checking Account $9.95
Compared at $7.95, the middle of its prices
Downey Federal Credit Union: $5.95 to $9.95
Downey Federal Credit Union: $5.95 to $9.95
U.S. median: no median
NSF / Returned Item
Downey Federal Credit Union: $25
Downey Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Downey Federal Credit Union: $1
Downey Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Downey Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Shield Advantage Checking Account Monthly service charge$5.95
per month
Shield Elite Checking Account Monthly service charge$9.95
per month
Account Closure Fee (Within 6 months of opening)$10
Dormancy Fee (For accounts with 12-months of no activity)$3
per month
Escheat Property Fee$2
Account Reconciliation/Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$2
per month

Overdraft & NSF

Check Returned Unpaid Item (NSF)$25
per item
Insufficient Bill Pay Request Fee (NSF)$25
per item
NSF Withdrawal Fee$25

ATM & Card

Foreign ATM Fee (Non-DFCU, Non-CO-OP ATMs)$1
per transaction
Excessive Card Replacement (more than 2 in a 12-month period)$5
per item
Debit & Credit Rush Card Replacement$25
per item

Wire Transfers

Wire Transfer: Domestic$20
per item
Wire Transfer: International$30
per item

Check Services

Non-Member Check Cashing on DFCU Account$5
Copy of a Check$4
per item

Digital & Electronic

ACH Debit Returned Unpaid (NSF)$25
per item
Online Bill PayNo charge

Cash & Deposit

Credit Card Annual Fee, Cash Advance FeeNo charge
Not compared: Annual charge, not per item
per year
Deposit Item Returned Unpaid$10
per item

Account Services

Notary Services: Non-Members$15
per item
Key Replacement$50
Not compared: Box drilling or key fee
IRS Tax Levy and Writ of Execution$25
per item

Lending Fees

Credit Card Late Payment Fee$20
per item

Retirement & IRA

IRA Transfer (Transfer of IRA to another financial institution)$20

Other Fees

FlashCash Loan Application Fee$20
per item
Payday Alternative Loan Application Fee$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Shield Advantage Checking Account Monthly service charge	$5.95	per month	None
Shield Elite Checking Account Monthly service charge	$9.95	per month	None
Account Closure Fee (Within 6 months of opening)	$10	Not stated	None
Dormancy Fee (For accounts with 12-months of no activity)	$3	per month	None
Escheat Property Fee	$2	Not stated	None
Account Reconciliation/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$2	per month	None
Overdraft & NSF
Check Returned Unpaid Item (NSF)	$25	per item	None
Insufficient Bill Pay Request Fee (NSF)	$25	per item	None
NSF Withdrawal Fee	$25	Not stated	None
ATM & Card
Foreign ATM Fee (Non-DFCU, Non-CO-OP ATMs)	$1	per transaction	None
Excessive Card Replacement (more than 2 in a 12-month period)	$5	per item	None
Debit & Credit Rush Card Replacement	$25	per item	None
Wire Transfers
Wire Transfer: Domestic	$20	per item	None
Wire Transfer: International	$30	per item	None
Check Services
Non-Member Check Cashing on DFCU Account	$5	Not stated	None
Copy of a Check	$4	per item	None
Digital & Electronic
ACH Debit Returned Unpaid (NSF)	$25	per item	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Credit Card Annual Fee, Cash Advance Fee	No chargeNot compared: Annual charge, not per item	per year	None
Deposit Item Returned Unpaid	$10	per item	None
Account Services
Notary Services: Non-Members	$15	per item	None
Key Replacement	$50Not compared: Box drilling or key fee	Not stated	None
IRS Tax Levy and Writ of Execution	$25	per item	None
Lending Fees
Credit Card Late Payment Fee	$20	per item	None
Retirement & IRA
IRA Transfer (Transfer of IRA to another financial institution)	$20	Not stated	None
Other Fees
FlashCash Loan Application Fee	$20	per item	None
Payday Alternative Loan Application Fee	$20	per item	None

Correct a fee source

Oct 5, 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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