Sonoma Federal Credit Union

Headquarters: Santa Rosa, California
Charter: Credit Union
Assets: $80.0M
Fed district: San Francisco

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Monthly Maintenance
Monthly Fee for Interest Bearing Checking
Can be waived with a minimum balance of $100 or more.
Sonoma Federal Credit Union: $5
Sonoma Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Sonoma Federal Credit Union: $23
Sonoma Federal Credit Union: $23
U.S. median: no median
Wire Transfer (Domestic Out)
Sonoma Federal Credit Union: $25
Sonoma Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Sonoma Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee for Interest Bearing Checking$5
per month · waived if maintain minimum balance of $100) $ 5.00
Minimum Balance Violation Fee$2
Dormant Account Notice$5
per item
Account Balancing Assistance (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Locator Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds (draft, electronic, courtesy pay)$23
per item

ATM & Card

VISA Debit/ATM Card Re-Issue Fee$10
per item

Wire Transfers

Wire Transfer (domestic outgoing)$25
per item
Wire Transfer (international outgoing)$25
per item

Check Services

Excess Teller Check Fee (3 free per month)$3
Corporate Check Stop Payment or Replacement Fee$10
per item
Stop Payment Order Fee$15
per item
Non-Member Check Cashing Fee$10
per item
Draft Copy Fee (2 free per month)$2

Cash & Deposit

Returned Deposit Fee/Deposited Items from Self$25
per item

Account Services

Levy, Withholding, Judgement and/or Legal Order Processing Fee$50
per item
Legal Order Processing Fee$50
per item
Subordination Fee$75
per item
Verification of Deposit Fee$10
per item

Other Fees

Statement Copy Fee$2
per item
Preparation of Duplicate Ownership Certificate or Lien Release$10
per item
Reconveyance Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee for Interest Bearing Checking	$5	per month	waived if maintain minimum balance of $100) $ 5.00
Minimum Balance Violation Fee	$2	Not stated	None
Dormant Account Notice	$5	per item	None
Account Balancing Assistance (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Locator Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-Sufficient Funds (draft, electronic, courtesy pay)	$23	per item	None
ATM & Card
VISA Debit/ATM Card Re-Issue Fee	$10	per item	None
Wire Transfers
Wire Transfer (domestic outgoing)	$25	per item	None
Wire Transfer (international outgoing)	$25	per item	None
Check Services
Excess Teller Check Fee (3 free per month)	$3	Not stated	None
Corporate Check Stop Payment or Replacement Fee	$10	per item	None
Stop Payment Order Fee	$15	per item	None
Non-Member Check Cashing Fee	$10	per item	None
Draft Copy Fee (2 free per month)	$2	Not stated	None
Cash & Deposit
Returned Deposit Fee/Deposited Items from Self	$25	per item	None
Account Services
Levy, Withholding, Judgement and/or Legal Order Processing Fee	$50	per item	None
Legal Order Processing Fee	$50	per item	None
Subordination Fee	$75	per item	None
Verification of Deposit Fee	$10	per item	None
Other Fees
Statement Copy Fee	$2	per item	None
Preparation of Duplicate Ownership Certificate or Lien Release	$10	per item	None
Reconveyance Fee	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Feb 17, 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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