Mokelumne Federal Credit Union

Headquarters: Lodi, California
Charter: Credit Union
Assets: $56.9M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Compared at $26, its standard fee, the highest of its prices
Mokelumne Federal Credit Union: $5 to $26
Mokelumne Federal Credit Union: $5 to $26
U.S. median: no median
NSF / Returned Item
Mokelumne Federal Credit Union: $26
Mokelumne Federal Credit Union: $26
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Mokelumne Federal Credit Union: $0.50 to $1.50
Mokelumne Federal Credit Union: $0.50 to $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 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 Mokelumne Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee (90 days)$25
Dormant Account (Per month, no activity for 12 months)$5
per month
Escheat Notice$2
Account Reconciliation (per hr., min. 1 hr.)$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hr., min 1 hr)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$1.50

Overdraft & NSF

Courtesy Pay Fee (Overdraft per item)$26
per item
Overdraft Trans. (After 3rd trans. per mo.)$5
NSF$26
Return ACH Item$26

ATM & Card

ATM Withdrawal$0.50
Foreign ATM use at our MFCU ATM (No fee for cards with Co-Op symbol)$1.50
Replace ATM/Debit Card and Pin$15

Wire Transfers

Wire Transfer – Outgoing$25
Wire Transfer – Outgoing for Seniority Checking$15
Wire Transfer – Incoming$20
Wire Transfer – Incoming for Seniority Checking$10

Check Services

Cashier Check for 3rd Party$5
Special Handling of 3rd party check printing exception$5
Stop Payment – Personal Check$20
Stop Payment Renewal (Every 6 Months)$5
Counter Checks (4 temporary checks per page)$5
per item
Check Cashing (Single service user, bal. under $500.00)$5
Draft Copy – 2 Free per quarter (Free Online)$3
Not compared: Quarterly charge, not per item
per quarter

Cash & Deposit

Cash Advance Fee (Non-member)$20
Return Deposit Item$26

Account Services

Levy or Garnishment$30
Legal Process$35

Other Fees

Statement Copy / Account Activity Printout$1
Loan Extension Fee (Deferment)$35

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (90 days)	$25	Not stated	None
Dormant Account (Per month, no activity for 12 months)	$5	per month	None
Escheat Notice	$2	Not stated	None
Account Reconciliation (per hr., min. 1 hr.)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hr., min 1 hr)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$1.50	Not stated	None
Overdraft & NSF
Courtesy Pay Fee (Overdraft per item)	$26	per item	None
Overdraft Trans. (After 3rd trans. per mo.)	$5	Not stated	None
NSF	$26	Not stated	None
Return ACH Item	$26	Not stated	None
ATM & Card
ATM Withdrawal	$0.50	Not stated	None
Foreign ATM use at our MFCU ATM (No fee for cards with Co-Op symbol)	$1.50	Not stated	None
Replace ATM/Debit Card and Pin	$15	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$25	Not stated	None
Wire Transfer – Outgoing for Seniority Checking	$15	Not stated	None
Wire Transfer – Incoming	$20	Not stated	None
Wire Transfer – Incoming for Seniority Checking	$10	Not stated	None
Check Services
Cashier Check for 3rd Party	$5	Not stated	None
Special Handling of 3rd party check printing exception	$5	Not stated	None
Stop Payment – Personal Check	$20	Not stated	None
Stop Payment Renewal (Every 6 Months)	$5	Not stated	None
Counter Checks (4 temporary checks per page)	$5	per item	None
Check Cashing (Single service user, bal. under $500.00)	$5	Not stated	None
Draft Copy – 2 Free per quarter (Free Online)	$3Not compared: Quarterly charge, not per item	per quarter	None
Cash & Deposit
Cash Advance Fee (Non-member)	$20	Not stated	None
Return Deposit Item	$26	Not stated	None
Account Services
Levy or Garnishment	$30	Not stated	None
Legal Process	$35	Not stated	None
Other Fees
Statement Copy / Account Activity Printout	$1	Not stated	None
Loan Extension Fee (Deferment)	$35	Not stated	None

Correct a fee source

Oct 31, 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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