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

Mission City Federal Credit Union

Santa Clara, 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

Account Research Fee$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee5$14Below the typical range ($25–$32 nationally)
$16 below the national median
Source
Non-Sufficient Funds (NSF) Fee4$14Below the typical range ($25–$31 nationally)
$16 below the national median
Source

ATM & CardVerified

ATM Adjustment Fee$6Above the typical range ($1–$2.50 nationally)
$4.25 above the national median
Source
Rush Debit Card or PIN7$50Within the typical range ($30–$50 nationally)
$10 above the national median
per item · Source
Rush VISA® Card$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source

Wire TransfersVerified

Outgoing Domestic Wire Transfer Fee$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source
Outgoing International Wire Transfer Fee$30Below the typical range ($40–$50 nationally)
$20 below the national median
Source

Check ServicesVerified

Corporate/Cashier's Check$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Stop Payment Order (Per item or range)$10Below the typical range ($20–$30 nationally)
$16 below the national median
per item · Source

Account ServicesVerified

Notary$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Source
Subpoena/Legal Research$25Below the typical range ($50–$150 nationally)
$75 below the national median
Source
Tax Levy$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source

Lending FeesVerified

Loan Extension Agreement$50Within the typical range ($25–$50 nationally)
$18 above the national median
Source
Skip-a-Pay Fee6$20Within the typical range ($15–$25 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Escheat Account Reporting Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
No Monthly Fee	$0Below the typical range ($3–$10 nationally)	$5.50 below the national median	per month	—	Source
Paper Statement Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Return Mail Fee1	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee5	$14Below the typical range ($25–$32 nationally)	$16 below the national median	—	—	Source
Non-Sufficient Funds (NSF) Fee4	$14
ATM & CardVerified
ATM Adjustment Fee	$6Above the typical range ($1–$2.50 nationally)	$4.25 above the national median	—	—	Source
Rush Debit Card or PIN7	$50
Wire TransfersVerified
Outgoing Domestic Wire Transfer Fee	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Outgoing International Wire Transfer Fee	$30
Check ServicesVerified
Corporate/Cashier's Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	per item	—	Source
Stop Payment Order (Per item or range)	$10
Cash & DepositVerified
Return Deposited Item	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Account ServicesVerified
Notary	$15Above the typical range ($0–$5 nationally)	$12.50 above the national median	—	—	Source
Subpoena/Legal Research	$25Below the typical range ($50–$150 nationally)
Lending FeesVerified
Loan Extension Agreement	$50Within the typical range ($25–$50 nationally)	$18 above the national median	—	—	Source
Skip-a-Pay Fee6	$20
Other FeesVerified
Statement Reprint	$2Within the typical range ($2–$5 nationally)	$1 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.

Overdraft

$14

Overdraft fee: $14

53% below the national median overdraft fee

Total fees: 21 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$171.7M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$171.7M

Total deposits

$139.1M

Service charge income (year to date)

$85K

Fee income ratio

1.9%

Return on assets

0.56%

Financial profile · Pro

Performance from regulator filings

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

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Based on 34,850 published fee entries from 2,498 institutions

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