Edwards Federal Credit Union

Headquarters: Edwards, California
Charter: Credit Union
Assets: $276.6M
Fed district: San Francisco

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Everything Checking $7 · Basic Checking $9 · Everything+ Checking $9
Compared at $9, the middle of its prices
Edwards Federal Credit Union: $7 to $9
Edwards Federal Credit Union: $7 to $9
U.S. median: no median
Overdraft (OD)
Edwards Federal Credit Union: $29
Edwards Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Edwards Federal Credit Union: $29
Edwards Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Edwards Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly service charge$9
per month
Everything Checking Monthly service charge$7
per month
Everything+ Checking Monthly service charge$9
per month
Escheat Notice$10
Account Research/Reconciliation (per hr.)$25
Not compared: Charged per hour; comparison unavailable
per hour · | Account Research/Reconciliation (per hr.) | $25.00 |
Returned Mail$10

Overdraft & NSF

Overdraft Privilege (each item)$29
per item
Non-sufficient Funds (NSF) (each)$29
per item
Returned Item$29
Overdraft Protection (each item)$3
per item

ATM & Card

Special Handling (rejected ACH, Checks, ATM corrections)$5
Card Replacement (Debit)$10
Debit Car Rush Mail Request$35

Wire Transfers

Wire Transfer Domestic-Outgoing$25
Wire Transfer International-Outgoing$50

Check Services

Cashier’s Check (per check)$7
per item
Corporate Check$5
Money Order$2
Stop Payment Request$29
Temporary Checks (4 per page)$3
per item
Non-Member Check Cashing (each item)$10
per item

Account Services

Notary Members (Per Signature)$10
per item
Notary Non-Members (Per Signature)$15
per item
10 x 10 (Annual Fee)$120
per year
10 x 16 (Annual Fee)$150
per year
3 x 10 (Annual Fee)$70
per year
3 x 5 (Annual Fee)$50
per year
5 x 10 (Annual Fee)$90
per year
5 x 5 (Annual Fee)$60
per year
Legal Processing (per hour, except if prohibited by Law)$50
Not compared: Charged per hour; comparison unavailable
per hour · | Legal Processing (per hour, except if prohibited by Law) | $50.00 |

Lending Fees

Late Charge$30
Late Payment Fee$25

Retirement & IRA

IRA Closure/Transfer$25
per item

Gift & Prepaid Cards

Visa Gift Card (per card)$3.50
per item

Other Fees

Copy of Credit Cards Statement$5
Photocopy Requests (of any type)$5
Loan Modification Fee$25
Skip-a-Payment$30

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly service charge	$9	per month	None
Everything Checking Monthly service charge	$7	per month	None
Everything+ Checking Monthly service charge	$9	per month	None
Escheat Notice	$10	Not stated	None
Account Research/Reconciliation (per hr.)	$25Not compared: Charged per hour; comparison unavailable	per hour	\| Account Research/Reconciliation (per hr.) \| $25.00 \|
Returned Mail	$10	Not stated	None
Overdraft & NSF
Overdraft Privilege (each item)	$29	per item	None
Non-sufficient Funds (NSF) (each)	$29	per item	None
Returned Item	$29	Not stated	None
Overdraft Protection (each item)	$3	per item	None
ATM & Card
Special Handling (rejected ACH, Checks, ATM corrections)	$5	Not stated	None
Card Replacement (Debit)	$10	Not stated	None
Debit Car Rush Mail Request	$35	Not stated	None
Wire Transfers
Wire Transfer Domestic-Outgoing	$25	Not stated	None
Wire Transfer International-Outgoing	$50	Not stated	None
Check Services
Cashier’s Check (per check)	$7	per item	None
Corporate Check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop Payment Request	$29	Not stated	None
Temporary Checks (4 per page)	$3	per item	None
Non-Member Check Cashing (each item)	$10	per item	None
Account Services
Notary Members (Per Signature)	$10	per item	None
Notary Non-Members (Per Signature)	$15	per item	None
10 x 10 (Annual Fee)	$120	per year	None
10 x 16 (Annual Fee)	$150	per year	None
3 x 10 (Annual Fee)	$70	per year	None
3 x 5 (Annual Fee)	$50	per year	None
5 x 10 (Annual Fee)	$90	per year	None
5 x 5 (Annual Fee)	$60	per year	None
Legal Processing (per hour, except if prohibited by Law)	$50Not compared: Charged per hour; comparison unavailable	per hour	\| Legal Processing (per hour, except if prohibited by Law) \| $50.00 \|
Lending Fees
Late Charge	$30	Not stated	None
Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA Closure/Transfer	$25	per item	None
Gift & Prepaid Cards
Visa Gift Card (per card)	$3.50	per item	None
Other Fees
Copy of Credit Cards Statement	$5	Not stated	None
Photocopy Requests (of any type)	$5	Not stated	None
Loan Modification Fee	$25	Not stated	None
Skip-a-Payment	$30	Not stated	None

Correct a fee source

Nov 2, 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.

Fee change alerts

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