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

Sonoma Federal Credit Union

Santa Rosa, 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 Balancing Assistance$25Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=account_research; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Account Balancing Assistance $ 25.00 | hour" · Source

Dormant Account Notice$5

At the national median

Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=dormant_account; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Dormant Account Notice $ 5.00 | each" · Source

Minimum Balance Violation Fee$2

$3 below the national median

Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=minimum_balance; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Minimum Balance Violation Fee $ 2.00 | month" · Source

Monthly Fee for Interest Bearing Checking (waived if maintain minimum balance of )$5

$0.99 below the national median

per month · Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=monthly_maintenance; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Monthly Fee for Interest Bearing Checking (waived if maintain minimum balance of $100) $ 5.00" · Source

Overdraft & NSFVerified

Non-Sufficient Funds (draft, electronic, courtesy pay)$23Below the typical range ($25–$31 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=overdraft; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Non-Sufficient Funds (draft, electronic, courtesy pay) $ 23.00 | each" · Source

Wire TransfersVerified

Wire Transfer (domestic outgoing)$25Within the typical range ($20–$25 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=wire_domestic_outgoing; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Wire Transfer (domestic outgoing) $ 25.00 | each" · Source
Wire Transfer (international outgoing)$25Below the typical range ($40–$50 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=wire_intl_outgoing; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Wire Transfer (international outgoing) $ 25.00 | each" · Source

Check ServicesVerified

Corporate Check Stop Payment or Replacement Fee$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=stop_payment; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Corporate Check Stop Payment or Replacement Fee $ 10.00 | each" · Source
Excess Teller Check Fee (3 free per month)$3Within the typical range ($3–$6 nationally)
$2 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=cashiers_check; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Excess Teller Check Fee (3 free per month) $ 3.00" · Source
Non-Member Check Cashing Fee$10Within the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=check_cashing; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Non-Member Check Cashing Fee $ 10.00 | each" · Source
Stop Payment Order Fee$15Below the typical range ($20–$30 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=stop_payment; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Stop Payment Order Fee $ 15.00 | each" · Source

Cash & DepositVerified

Returned Deposit Fee/Deposited Items from Self$25Within the typical range ($10–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=deposited_item_return; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Returned Deposit Fee/Deposited Items from Self $ 25.00 | each" · Source

Account ServicesVerified

Levy, Withholding, Judgement and/or Legal Order Processing Fee$50Within the typical range ($30–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=garnishment_levy; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Levy, Withholding, Judgement and/or Legal Order Processing Fee $ 50.00 | each" · Source
Subordination Fee$75Within the typical range ($30–$125 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=legal_process; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Subordination Fee $ 75.00 | each" · Source
Verification of Deposit Fee$10Within the typical range ($10–$17.13 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=account_verification; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Verification of Deposit Fee $ 10.00 | each" · Source

Other FeesVerified

Statement Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=document_reproduction; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Statement Copy Fee $ 2.00 | each" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=account_research; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Account Balancing Assistance $ 25.00 \| hour"	Source
Dormant Account Notice	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=dormant_account; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Dormant Account Notice $ 5.00 \| each"	Source
Minimum Balance Violation Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=minimum_balance; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Minimum Balance Violation Fee $ 2.00 \| month"	Source
Monthly Fee for Interest Bearing Checking (waived if maintain minimum balance of )	$5Within the typical range ($3–$10 nationally)	$0.99 below the national median	per month	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=monthly_maintenance; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Monthly Fee for Interest Bearing Checking (waived if maintain minimum balance of $100) $ 5.00"	Source
Overdraft & NSFVerified
Non-Sufficient Funds (draft, electronic, courtesy pay)	$23Below the typical range ($25–$31 nationally)	$7 below the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=overdraft; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Non-Sufficient Funds (draft, electronic, courtesy pay) $ 23.00 \| each"	Source
Wire TransfersVerified
Wire Transfer (domestic outgoing)	$25Within the typical range ($20–$25 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=wire_domestic_outgoing; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Wire Transfer (domestic outgoing) $ 25.00 \| each"	Source
Wire Transfer (international outgoing)
Check ServicesVerified
Corporate Check Stop Payment or Replacement Fee	$10Below the typical range ($20–$30 nationally)	$17 below the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=stop_payment; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Corporate Check Stop Payment or Replacement Fee $ 10.00 \| each"	Source
Excess Teller Check Fee (3 free per month)
Cash & DepositVerified
Returned Deposit Fee/Deposited Items from Self	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=deposited_item_return; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Returned Deposit Fee/Deposited Items from Self $ 25.00 \| each"	Source
Account ServicesVerified
Levy, Withholding, Judgement and/or Legal Order Processing Fee	$50Within the typical range ($30–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=garnishment_levy; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Levy, Withholding, Judgement and/or Legal Order Processing Fee $ 50.00 \| each"	Source
Subordination Fee
Other FeesVerified
Statement Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #6752. canonical_hint=document_reproduction; text_hash=a3534771959a8d7d476822cb10cd028759e1d588208f751bcfb3247c5f199542; excerpt="Statement Copy Fee $ 2.00 \| each"	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

$23

Overdraft fee: $23

23% below the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$80.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$80.0M

Total deposits

$69.0M

Service charge income (year to date)

$267K

Fee income ratio

10.1%

Return on assets

1.67%

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 27,539 verified fees from 2,277 institutions

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