10 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Stop Payment
Debit Card Replacement
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from California Adventist Federal Credit Union’s own schedules, with a source for each figure.
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Savings Account Closing Fee | $40 | Not stated | None |
| Dormant Fee Account [12 mo. | $3Not compared: Quarterly charge, not monthly | per quarter | None |
| Invalid Address Fee | $5 | per month | None |
Overdraft & NSF | |||
| NSF Fee | $35 | per transaction | None |
ATM & Card | |||
| Debit Card Replacement Fees | $35 | per item | None |
Check Services | |||
| Check Stop Payment | $30 | per transaction | None |
| 3rd Party Check Cashing Fee | $25 | per item | None |
Cash & Deposit | |||
| Credit Card Cash Advance Fee (audience not stated, treated as personal) | 2%of the advance | Not stated | None |
Account Services | |||
| Notary Fee | $15 | Not stated | None |
Lending Fees | |||
| Credit Card Late Fee | $10Not compared: Monthly charge, not per item | per month | None |
| Loan Late Payment Fee | $30Not compared: Monthly charge, not per item | per month | None |
| Real Estate Loan Late Fee | $30 | per item | None |
Retirement & IRA | |||
| IRA [ALL TYPES] Account Closure Fee | $50 | Not stated | None |
Other Fees | |||
| Statement Copies | $75Not compared: Quarterly charge, not per item | per quarter | None |
| Statement Copies (Savings & Checking) | $35Not compared: Monthly charge, not per item | per month | None |
| Loan Application Fee (Consumer) | $50 | Not stated | None |
| Loan Application Fee (Non-Member) | $75 | Not stated | None |
| Loan Payoff Demand Fee | $50 | Not stated | None |
| Real Estate Loan Application Fee | $1,500 | 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
Nov 1, 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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