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

Mokelumne Federal Credit Union

Lodi, 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 Reconciliation (per hr., min. 1 hr.)$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee (Overdraft per item)$26Within the typical range ($25–$32 nationally)
$4 below the national median
per item · Source
Overdraft Trans. (After 3rd trans. per mo.)$5Below the typical range ($25–$32 nationally)
$25 below the national median
Source
Return ACH Item$26Within the typical range ($25–$31 nationally)
$4 below the national median
Source

Wire TransfersVerified

Wire Transfer – Incoming$20Above the typical range ($5–$15 nationally)
$10 above the national median
Source
Wire Transfer – Incoming for Seniority Checking$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfer – Outgoing$25Within the typical range ($20–$25 nationally)
At the national median
Source
Wire Transfer – Outgoing for Seniority Checking$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source

Check ServicesVerified

Cashier Check for 3rd Party$5Within the typical range ($3–$5 nationally)
At the national median
Source
Check Cashing (Single service user, bal. under )$5Within the typical range ($5–$10 nationally)
At the national median
Source
Counter Checks (4 temporary checks per page)$5Above the typical range ($1–$4 nationally)
$3 above the national median
Source
Special Handling of 3rd party check printing exception$5Within the typical range ($1–$13.50 nationally)
At the national median
Source
Stop Payment – Personal Check$20Within the typical range ($20–$30 nationally)
$5 below the national median
Source

Cash & DepositVerified

Cash Advance Fee (Non-member)$20Above the typical range ($2.50–$10 nationally)
$15 above the national median
Source
Return Deposit Item (when member is both payer and payee)$26Above the typical range ($10–$25 nationally)
$11 above the national median
Source

Account ServicesVerified

Legal Process$35Within the typical range ($35–$150 nationally)
$65 below the national median
Source
Levy or Garnishment$30Within the typical range ($30–$75 nationally)
$20 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation (per hr., min. 1 hr.)	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Account Research (per hr., min 1 hr)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account (Per month, no activity for 12 months)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Escheat Notice	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	—	Source
Paper Statement Fee	$1.50Below the typical range ($2–$5 nationally)	$1.50 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee (Overdraft per item)	$26Within the typical range ($25–$32 nationally)	$4 below the national median	per item	—	Source
Overdraft Trans. (After 3rd trans. per mo.)	$5
ATM & CardVerified
ATM Withdrawal (No charge for Co-Op or MFCU ATM’S	$0.50Below the typical range ($1–$2.50 nationally)	$1.13 below the national median	—	—	Source
Wire TransfersVerified
Wire Transfer – Incoming	$20Above the typical range ($5–$15 nationally)	$10 above the national median	—	—	Source
Wire Transfer – Incoming for Seniority Checking	$10
Check ServicesVerified
Cashier Check for 3rd Party	$5Within the typical range ($3–$5 nationally)	At the national median	—	—	Source
Check Cashing (Single service user, bal. under )	$5
Cash & DepositVerified
Cash Advance Fee (Non-member)	$20Above the typical range ($2.50–$10 nationally)	$15 above the national median	—	—	Source
Return Deposit Item (when member is both payer and payee)	$26
Account ServicesVerified
Legal Process	$35Within the typical range ($35–$150 nationally)	$65 below the national median	—	—	Source
Levy or Garnishment	$30
Other FeesVerified
Statement Copy / Account Activity Printout	$1Below the typical range ($2–$5 nationally)	$2 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

$26

Overdraft fee: $26

13% below the national median overdraft fee

Total fees: 23 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$56.9M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$56.9M

Total deposits

$46.8M

Service charge income (year to date)

$231K

Fee income ratio

16.5%

Return on assets

0.89%

Financial profile · Pro

Mokelumne Federal Credit Union

Published fees

Get an email when Mokelumne Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

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