Polam Federal Credit Union

Headquarters: Redwood City, California
Charter: Credit Union
Assets: $72.8M
Fed district: San Francisco

18 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 $20, its standard fee, the highest of its prices
Polam Federal Credit Union: $10 to $20
Polam Federal Credit Union: $10 to $20
U.S. median: no median
NSF / Returned Item
Polam Federal Credit Union: $25
Polam Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Polam Federal Credit Union: $30
Polam Federal Credit Union: $30
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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Among its peers

Polam Federal Credit Union · $73M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$71M to $74M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Polam Federal Credit Union(this institution)	Redwood City, CA	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Albright Federal Credit Union	Bethel, CT	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Altamaha Federal Credit Union	Jesup, GA	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Beacon Community Federal Credit Union	Louisville, KY	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Champion Federal Credit Union	Toledo, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cleveland-Bradley Cty Teacher Federal Credit Union	Cleveland, TN	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Delta County Federal Credit Union	Delta, CO	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Ep Federal Credit Union	Washington, DC	$71M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ever $ Green Federal Credit Union	Rochester, NY	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Galaxy Federal Credit Union	Franklin, PA	$73M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii First Federal Credit Union	Kamuela, HI	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hurricane Creek Federal Credit Union	Benton, AR	$72M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Integrity Federal Credit Union	Barberton, OH	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jeep Country Federal Credit Union	Holland, OH	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
L C E Federal Credit Union	Painesville, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lennox Employees Federal Credit Union	Marshalltown, IA	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Maple Federal Credit Union	Lafayette, LA	$72M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest Regional Federal Credit Union	Kansas City, KS	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New York Times Employees Federal Credit Union	New York, NY	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Star Credit Union, Inc.	Portsmouth, VA	$74M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Professional Fire Fighters Federal Credit Union	Shreveport, LA	$73M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott And White Employees Federal Credit Union	Temple, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star Of Texas Federal Credit Union	austin, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tobacco Valley Teachers Federal Credit Union	Enfield, CT	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Poles Federal Credit Union	Perth Amboy, NJ	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Universal City Studios Federal Credit Union	Burbank, CA	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Polam Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.50 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Polam Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Polam Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Polam Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closing fee$10
Dormant account fee – Checking after 6 months$10
Not compared: Annual charge, not monthly
per year
Dormant account fee – Savings after 12 months$10
Not compared: Annual charge, not monthly
per year
Notice of escheat$2
Reconciliation of account / Account research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee per each item (first five each month are free)$10
per item
Overdraft honored fee$20
Returned item fee$25

Wire Transfers

Wire transfer fee- Domestic$30
Wire transfer fee- International$45

Check Services

Cashier’s check$5
Money Order$2
Stop payment done on the day of clearing$20
Stop payment fee$15
Temporary counter checks (no charge with account opening)$3
Collection items$20
Copy of checks (first three are free)$2

Account Services

Compliance with legal order$20
Written verification of account or credit rating$5

Retirement & IRA

IRA annual maintenance fee$20
per year

Vehicle & Title

Title lien release$25

Other Fees

Copy of statements per page$1
per item
Consumer loan application$100
Mortgage loan application$450

Fee	Amount	Basis	Note
Account Maintenance
Account closing fee	$10	Not stated	None
Dormant account fee – Checking after 6 months	$10Not compared: Annual charge, not monthly	per year	None
Dormant account fee – Savings after 12 months	$10Not compared: Annual charge, not monthly	per year	None
Notice of escheat	$2	Not stated	None
Reconciliation of account / Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee per each item (first five each month are free)	$10	per item	None
Overdraft honored fee	$20	Not stated	None
Returned item fee	$25	Not stated	None
Wire Transfers
Wire transfer fee- Domestic	$30	Not stated	None
Wire transfer fee- International	$45	Not stated	None
Check Services
Cashier’s check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop payment done on the day of clearing	$20	Not stated	None
Stop payment fee	$15	Not stated	None
Temporary counter checks (no charge with account opening)	$3	Not stated	None
Collection items	$20	Not stated	None
Copy of checks (first three are free)	$2	Not stated	None
Account Services
Compliance with legal order	$20	Not stated	None
Written verification of account or credit rating	$5	Not stated	None
Retirement & IRA
IRA annual maintenance fee	$20	per year	None
Vehicle & Title
Title lien release	$25	Not stated	None
Other Fees
Copy of statements per page	$1	per item	None
Consumer loan application	$100	Not stated	None
Mortgage loan application	$450	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.

Fee change alerts

Get an email when Polam Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Compared at $20, its standard fee, the highest of its prices
Polam Federal Credit Union: $10 to $20
Polam Federal Credit Union: $10 to $20
U.S. median: no median
NSF / Returned Item
Polam Federal Credit Union: $25
Polam Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Polam Federal Credit Union: $30
Polam Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

Among its peers

Polam Federal Credit Union · $73M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$71M to $74M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Polam Federal Credit Union(this institution)	Redwood City, CA	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Albright Federal Credit Union	Bethel, CT	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Altamaha Federal Credit Union	Jesup, GA	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Beacon Community Federal Credit Union	Louisville, KY	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Champion Federal Credit Union	Toledo, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cleveland-Bradley Cty Teacher Federal Credit Union	Cleveland, TN	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Delta County Federal Credit Union	Delta, CO	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Ep Federal Credit Union	Washington, DC	$71M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ever $ Green Federal Credit Union	Rochester, NY	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Galaxy Federal Credit Union	Franklin, PA	$73M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii First Federal Credit Union	Kamuela, HI	$73M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hurricane Creek Federal Credit Union	Benton, AR	$72M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Integrity Federal Credit Union	Barberton, OH	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jeep Country Federal Credit Union	Holland, OH	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
L C E Federal Credit Union	Painesville, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lennox Employees Federal Credit Union	Marshalltown, IA	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Maple Federal Credit Union	Lafayette, LA	$72M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest Regional Federal Credit Union	Kansas City, KS	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New York Times Employees Federal Credit Union	New York, NY	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Star Credit Union, Inc.	Portsmouth, VA	$74M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Professional Fire Fighters Federal Credit Union	Shreveport, LA	$73M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott And White Employees Federal Credit Union	Temple, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star Of Texas Federal Credit Union	austin, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tobacco Valley Teachers Federal Credit Union	Enfield, CT	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Poles Federal Credit Union	Perth Amboy, NJ	$72M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Universal City Studios Federal Credit Union	Burbank, CA	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Polam Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.50 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Polam Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Polam Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Polam Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closing fee$10
Dormant account fee – Checking after 6 months$10
Not compared: Annual charge, not monthly
per year
Dormant account fee – Savings after 12 months$10
Not compared: Annual charge, not monthly
per year
Notice of escheat$2
Reconciliation of account / Account research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee per each item (first five each month are free)$10
per item
Overdraft honored fee$20
Returned item fee$25

Wire Transfers

Wire transfer fee- Domestic$30
Wire transfer fee- International$45

Check Services

Cashier’s check$5
Money Order$2
Stop payment done on the day of clearing$20
Stop payment fee$15
Temporary counter checks (no charge with account opening)$3
Collection items$20
Copy of checks (first three are free)$2

Account Services

Compliance with legal order$20
Written verification of account or credit rating$5

Retirement & IRA

IRA annual maintenance fee$20
per year

Vehicle & Title

Title lien release$25

Other Fees

Copy of statements per page$1
per item
Consumer loan application$100
Mortgage loan application$450

Fee	Amount	Basis	Note
Account Maintenance
Account closing fee	$10	Not stated	None
Dormant account fee – Checking after 6 months	$10Not compared: Annual charge, not monthly	per year	None
Dormant account fee – Savings after 12 months	$10Not compared: Annual charge, not monthly	per year	None
Notice of escheat	$2	Not stated	None
Reconciliation of account / Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee per each item (first five each month are free)	$10	per item	None
Overdraft honored fee	$20	Not stated	None
Returned item fee	$25	Not stated	None
Wire Transfers
Wire transfer fee- Domestic	$30	Not stated	None
Wire transfer fee- International	$45	Not stated	None
Check Services
Cashier’s check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop payment done on the day of clearing	$20	Not stated	None
Stop payment fee	$15	Not stated	None
Temporary counter checks (no charge with account opening)	$3	Not stated	None
Collection items	$20	Not stated	None
Copy of checks (first three are free)	$2	Not stated	None
Account Services
Compliance with legal order	$20	Not stated	None
Written verification of account or credit rating	$5	Not stated	None
Retirement & IRA
IRA annual maintenance fee	$20	per year	None
Vehicle & Title
Title lien release	$25	Not stated	None
Other Fees
Copy of statements per page	$1	per item	None
Consumer loan application	$100	Not stated	None
Mortgage loan application	$450	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.