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.

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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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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.

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