Schoolsfirst Federal Credit Union

Headquarters: Santa Ana, California
Charter: Credit Union
Assets: $37.2B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 18, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Investment Checking
Schoolsfirst Federal Credit Union: $3
Schoolsfirst Federal Credit Union: $3
U.S. median: no median
Overdraft (OD)
Schoolsfirst Federal Credit Union: $22
Schoolsfirst Federal Credit Union: $22
U.S. median: no median
NSF / Returned Item
Schoolsfirst Federal Credit Union: $22
Schoolsfirst Federal Credit Union: $22
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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

Schoolsfirst Federal Credit Union · $37.2B 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 17 states.

Credit unions only
$9.8B to $60B in assets
Headquartered in 17 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
Schoolsfirst Federal Credit Union(this institution)	Santa Ana, CA	$37.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliant Federal Credit Union	Chicago, IL	$20B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America First Federal Credit Union	Riverdale, UT	$26B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boeing Employees Federal Credit Union	Tukwila, WA	$29.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Desert Financial Federal Credit Union	Phoenix, AZ	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Digital Federal Credit Union	Marlborough, MA	$27.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Eastman Federal Credit Union	Kingsport, TN	$10.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ent Federal Credit Union	Colorado Springs, CO	$19.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Esl Federal Credit Union	Rochester, NY	$10.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fourleaf Federal Credit Union	Bethpage, NY	$14.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Global Federal Credit Union	Anchorage, AK	$13B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greenstate Federal Credit Union	North Liberty, IA	$10.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Idaho Central Federal Credit Union	Chubbuck, ID	$15.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lake Michigan Federal Credit Union	Grand Rapids, MI	$17.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midflorida Federal Credit Union	Lakeland, FL	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Patelco Federal Credit Union	Dublin, CA	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pentagon Federal Credit Union	Mclean, VA	$29.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Randolph-Brooks Federal Credit Union	Universal City, TX	$19.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Redwood Credit Union	Santa Rosa, CA	$10.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security Service Federal Credit Union	San Antonio, TX	$14.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Employees' Federal Credit Union	Raleigh, NC	$60B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Suncoast Federal Credit Union	Tampa, FL	$20.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Teachers Federal Credit Union	Smithtown, NY	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Golden 1 Federal Credit Union	Sacramento, CA	$22.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Nations Federal Credit Union	Long Island City, NY	$10.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vystar Federal Credit Union	Jacksonville, FL	$14.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (50%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $6 among 13 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Schoolsfirst Federal Cred…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Schoolsfirst Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Investment Checking Monthly service charge$3
per month
Account Maintenance (after 24 months of inactivity)$2
per month

Overdraft & NSF

Standard Overdraft$22
• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
NSF$22
• NSF — any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.

ATM & Card

Each transaction at any other ATM (audience not stated, treated as personal)$2
per transaction
ATM/Debit Card Replacement (per card)$5
per item

Wire Transfers

Wire transfer— outgoing — domestic$20
Wire transfer — outgoing — international$45

Check Services

Cashier’s Checks payable to a third party (per check)$5
per item
Money Order (per money order)$1
per item
Stop payment$15
Non-Member check cashing fee (per check)$5
per item

Account Services

Notary Service (per notary signature)$10
per item
Legal Process fee (levies, garnishments, etc.)$25

Fee	Amount	Basis	Note
Account Maintenance
Investment Checking Monthly service charge	$3	per month	None
Account Maintenance (after 24 months of inactivity)	$2	per month	None
Overdraft & NSF
Standard Overdraft	$22	Not stated	• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
NSF	$22	Not stated	• NSF — any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
ATM & Card
Each transaction at any other ATM (audience not stated, treated as personal)	$2	per transaction	None
ATM/Debit Card Replacement (per card)	$5	per item	None
Wire Transfers
Wire transfer— outgoing — domestic	$20	Not stated	None
Wire transfer — outgoing — international	$45	Not stated	None
Check Services
Cashier’s Checks payable to a third party (per check)	$5	per item	None
Money Order (per money order)	$1	per item	None
Stop payment	$15	Not stated	None
Non-Member check cashing fee (per check)	$5	per item	None
Account Services
Notary Service (per notary signature)	$10	per item	None
Legal Process fee (levies, garnishments, etc.)	$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

Oct 18, 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 Schoolsfirst Federal Credit Union's ach origination changes in our data

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Fees against the market

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

Monthly Maintenance
Investment Checking
Schoolsfirst Federal Credit Union: $3
Schoolsfirst Federal Credit Union: $3
U.S. median: no median
Overdraft (OD)
Schoolsfirst Federal Credit Union: $22
Schoolsfirst Federal Credit Union: $22
U.S. median: no median
NSF / Returned Item
Schoolsfirst Federal Credit Union: $22
Schoolsfirst Federal Credit Union: $22
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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

Schoolsfirst Federal Credit Union · $37.2B 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 17 states.

Credit unions only
$9.8B to $60B in assets
Headquartered in 17 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
Schoolsfirst Federal Credit Union(this institution)	Santa Ana, CA	$37.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliant Federal Credit Union	Chicago, IL	$20B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America First Federal Credit Union	Riverdale, UT	$26B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boeing Employees Federal Credit Union	Tukwila, WA	$29.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Desert Financial Federal Credit Union	Phoenix, AZ	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Digital Federal Credit Union	Marlborough, MA	$27.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Eastman Federal Credit Union	Kingsport, TN	$10.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ent Federal Credit Union	Colorado Springs, CO	$19.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Esl Federal Credit Union	Rochester, NY	$10.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fourleaf Federal Credit Union	Bethpage, NY	$14.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Global Federal Credit Union	Anchorage, AK	$13B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greenstate Federal Credit Union	North Liberty, IA	$10.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Idaho Central Federal Credit Union	Chubbuck, ID	$15.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lake Michigan Federal Credit Union	Grand Rapids, MI	$17.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midflorida Federal Credit Union	Lakeland, FL	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Patelco Federal Credit Union	Dublin, CA	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pentagon Federal Credit Union	Mclean, VA	$29.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Randolph-Brooks Federal Credit Union	Universal City, TX	$19.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Redwood Credit Union	Santa Rosa, CA	$10.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security Service Federal Credit Union	San Antonio, TX	$14.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Employees' Federal Credit Union	Raleigh, NC	$60B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Suncoast Federal Credit Union	Tampa, FL	$20.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Teachers Federal Credit Union	Smithtown, NY	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Golden 1 Federal Credit Union	Sacramento, CA	$22.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Nations Federal Credit Union	Long Island City, NY	$10.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vystar Federal Credit Union	Jacksonville, FL	$14.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (50%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $6 among 13 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Schoolsfirst Federal Cred…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Schoolsfirst Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Investment Checking Monthly service charge$3
per month
Account Maintenance (after 24 months of inactivity)$2
per month

Overdraft & NSF

Standard Overdraft$22
• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
NSF$22
• NSF — any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.

ATM & Card

Each transaction at any other ATM (audience not stated, treated as personal)$2
per transaction
ATM/Debit Card Replacement (per card)$5
per item

Wire Transfers

Wire transfer— outgoing — domestic$20
Wire transfer — outgoing — international$45

Check Services

Cashier’s Checks payable to a third party (per check)$5
per item
Money Order (per money order)$1
per item
Stop payment$15
Non-Member check cashing fee (per check)$5
per item

Account Services

Notary Service (per notary signature)$10
per item
Legal Process fee (levies, garnishments, etc.)$25

Fee	Amount	Basis	Note
Account Maintenance
Investment Checking Monthly service charge	$3	per month	None
Account Maintenance (after 24 months of inactivity)	$2	per month	None
Overdraft & NSF
Standard Overdraft	$22	Not stated	• Standard Overdraft — any payment instrument or payment method, including check, ACH, debit card transactions or other electronic transaction presented against a non-sufficient funds (NSF) available balance and paid* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
NSF	$22	Not stated	• NSF — any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned* ... $22 *No more than three NSF or Overdraft fees are charged per share, per day.
ATM & Card
Each transaction at any other ATM (audience not stated, treated as personal)	$2	per transaction	None
ATM/Debit Card Replacement (per card)	$5	per item	None
Wire Transfers
Wire transfer— outgoing — domestic	$20	Not stated	None
Wire transfer — outgoing — international	$45	Not stated	None
Check Services
Cashier’s Checks payable to a third party (per check)	$5	per item	None
Money Order (per money order)	$1	per item	None
Stop payment	$15	Not stated	None
Non-Member check cashing fee (per check)	$5	per item	None
Account Services
Notary Service (per notary signature)	$10	per item	None
Legal Process fee (levies, garnishments, etc.)	$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

Oct 18, 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.