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

Polam Federal Credit Union

Redwood City, 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

Dormant account fee – Checking after 6 months$10Within the typical range ($5–$10 nationally)

per year · Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=dormant_account; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Dormant account fee – Checking after 6 months | $ 10.00 / year" · Source

Notice of escheat$2

$3 below the national median

Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=dormant_account; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Notice of escheat | $ 2.00" · Source

Reconciliation of account / Account research$25

At the national median

Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=account_research; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Reconciliation of account / Account research | $ 25.00 / hour" · Source

Overdraft & NSFVerified

Overdraft fee per each item (first five each month are free)$10Below the typical range ($25–$31 nationally)
$20 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=overdraft; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Overdraft fee per each item (first five each month are free) | $ 10.00" · Source
Overdraft honored fee$20Below the typical range ($25–$31 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=overdraft; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Overdraft honored fee | $ 20.00" · Source
Returned item fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=nsf; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Returned item fee | $ 25.00" · Source

ATM & CardVerified

Visa Credit Card replacement$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=card_replacement; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Visa Credit Card replacement | $ 20.00" · Source

Check ServicesVerified

Cashier’s check$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=cashiers_check; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Cashier’s check | $ 5.00" · Source
Copy of checks (first three are free)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=check_image; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Copy of checks (first three are free) | $ 2.00" · Source
Money Order$2Within the typical range ($2–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=money_order; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Money Order | $ 2.00" · Source
Stop payment done on the day of clearing$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=stop_payment; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Stop payment done on the day of clearing | $ 20.00" · Source
Stop payment fee$15Below the typical range ($20–$30 nationally)
$12 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=stop_payment; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Stop payment fee | $ 15.00" · Source
Temporary counter checks (no charge with account opening)$3Within the typical range ($1–$4 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=counter_check; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Temporary counter checks (no charge with account opening) | $ 3.00" · Source

Account ServicesVerified

Title lien release$25Below the typical range ($30–$125 nationally)
$50 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=legal_process; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Title lien release | $ 25.00" · Source
Written verification of account or credit rating$5Below the typical range ($10–$17.13 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=account_verification; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Written verification of account or credit rating | $ 5.00" · Source

Retirement & IRAVerified

IRA annual maintenance fee$20Within the typical range ($10–$25 nationally)
$5 above the national median
per year · Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=ira_administration; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="IRA annual maintenance fee | $ 20.00" · Source

Other FeesVerified

Consumer loan application$100Above the typical range ($20–$40 nationally)
$72.50 above the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=other_lending_fee; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Consumer loan application | $ 100.00" · Source
Copy of statements per page$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=document_reproduction; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Copy of statements per page | $ 1.00" · Source
Mortgage loan application$450Above the typical range ($20–$40 nationally)
$422.50 above the national median
Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=other_lending_fee; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Mortgage loan application | $ 450.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant account fee – Checking after 6 months	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per year	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=dormant_account; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Dormant account fee – Checking after 6 months \| $ 10.00 / year"	Source
Notice of escheat	$2Below the typical range ($5–$10 nationally)	$3 below the national median	—	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=dormant_account; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Notice of escheat \| $ 2.00"	Source
Reconciliation of account / Account research	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=account_research; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Reconciliation of account / Account research \| $ 25.00 / hour"	Source
Overdraft & NSFVerified
Overdraft fee per each item (first five each month are free)	$10Below the typical range ($25–$31 nationally)	$20 below the national median	per month	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=overdraft; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Overdraft fee per each item (first five each month are free) \| $ 10.00"	Source
Overdraft honored fee
ATM & CardVerified
Visa Credit Card replacement	$20Above the typical range ($5–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=card_replacement; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Visa Credit Card replacement \| $ 20.00"	Source
Check ServicesVerified
Cashier’s check	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=cashiers_check; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Cashier’s check \| $ 5.00"	Source
Copy of checks (first three are free)	$2
Account ServicesVerified
Title lien release	$25Below the typical range ($30–$125 nationally)	$50 below the national median	—	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=legal_process; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Title lien release \| $ 25.00"	Source
Written verification of account or credit rating	$5
Retirement & IRAVerified
IRA annual maintenance fee	$20Within the typical range ($10–$25 nationally)	$5 above the national median	per year	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=ira_administration; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="IRA annual maintenance fee \| $ 20.00"	Source
Other FeesVerified
Consumer loan application	$100Above the typical range ($20–$40 nationally)	$72.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #6749. canonical_hint=other_lending_fee; text_hash=bac55a457a8139ae80a43fd4d1464ec9f747a30f786a43bf87b9171a0de466dd; excerpt="Consumer loan application \| $ 100.00"	Source
Copy of statements per page

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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

$10

Overdraft fee: $10

67% below the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$72.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$72.8M

Total deposits

$62.5M

Service charge income (year to date)

$88K

Fee income ratio

5.4%

Return on assets

-0.62%

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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