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

Sea West Coast Guard Federal Credit Union

Oakland, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 8, 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

Low Balance/Inactive Account$6Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

NSF Item Paid$25Within the typical range ($25–$33 nationally)
$5 below the national medianAt the California median
per item · Source
NSF Share Draft/Check Return$25Within the typical range ($25–$32 nationally)
$5 below the national median$2 above the California median
per item · Source
Overdraft Transfer from Credit Line$5Within the typical range ($2.50–$5 nationally)
At the national median$2 above the California median
per item · Source

Check ServicesVerified

Cashier or Teller Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the California median
Source
Stop Payment Cancellation$0Below the typical range ($20–$30 nationally)
$27.50 below the national median$22.50 below the California median
Source
Stop Payment on ACH or Zelle®$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$2.50 below the California median
Source
Temporary checks (up to 4 sets of 4)$0Below the typical range ($1–$4 nationally)
$2 below the national median$3 below the California median
Source
Check Copies More than 2 per month or older than 6 months$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the California median
Source

Digital & ElectronicVerified

ACH Returned NSF$25Within the typical range ($15–$30 nationally)
At the national median$7.50 above the California median
per item · Source
Online Banking and Bill Pay$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$5 below the California median
Source

Account ServicesVerified

Notary Service (Sea West Documents)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$15 below the California median
Source
Account Verification & Address Locator$0Below the typical range ($5–$15 nationally)
$10 below the national median$10 below the California median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Low Balance/Inactive Account	$6Within the typical range ($5–$10 nationally)	$1 above the national median$2.50 above the California median	per quarter	—	Source
Account Research	$7.50Below the typical range ($11–$25 nationally)	$10 below the national median$12.50 below the California median	—	—	Source
Overdraft & NSFVerified
NSF Item Paid	$25Within the typical range ($25–$33 nationally)	$5 below the national medianAt the California median	per item	—	Source
NSF Share Draft/Check Return	$25
ATM & CardVerified
Credit or Debit Card Replacement	$0Below the typical range ($5–$10 nationally)	$10 below the national median$10 below the California median	—	—	Source
Check ServicesVerified
Cashier or Teller Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the California median	—	—	Source
Stop Payment Cancellation	$0
Digital & ElectronicVerified
ACH Returned NSF	$25Within the typical range ($15–$30 nationally)	At the national median$7.50 above the California median	per item	—	Source
Online Banking and Bill Pay	$0
Cash & DepositVerified
NSF Returned Deposit Check	$18Within the typical range ($8–$25 nationally)	$3 above the national medianAt the California median	per item	—	Source
Account ServicesVerified
Notary Service (Sea West Documents)	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$15 below the California median	—	—	Source
Account Verification & Address Locator	$0

Fee change alerts

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

16 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$377.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$377.9M

Total deposits

$299.9M

Service charge income (year to date)

$76K

Fee income ratio

1.2%

Return on assets

0.22%

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, enforcement actions, and SEC filings

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Based on 66,932 published fee entries from 3,619 institutions

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