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, $1B to $10B

Arrowhead Federal Credit Union

Rancho Cucamong, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 7, 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

Maintenance Fee$0Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay and Uncollected Funds (UCF) Items$27Within the typical range ($25–$32 nationally)
$3 below the national median$2 above the California median
Source
Withdrawals (Courtesy Pay Fee may apply)$0Below the typical range ($25–$32 nationally)
$30 below the national median$25 below the California median
Source

ATM & CardVerified

Verification of ATM Transaction (Plus fee charged by ATM owner/operator)$3Above the typical range ($1–$2.50 nationally)
$1.25 above the national median$1 above the California median
Source
Replacement of ATM Card$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the California median
Source
Card Replacement Rush$35Within the typical range ($30–$50 nationally)
$5 below the national median$10 below the California median
Source
VISA International Service Assessment (ISA) Fee1%
—
Source

Wire TransfersVerified

Wire Transfers: Domestic Outgoing$30Above the typical range ($20–$25 nationally)
$5 above the national median$5 above the California median
Source
All Incoming Wires$0Below the typical range ($5–$15 nationally)
$10 below the national median$10 below the California median
Source

Check ServicesVerified

Cashier’s Check (Payable to third party)$5Within the typical range ($3–$6 nationally)
At the national medianAt the California median
Source
Money Order (waived for Arrowhead Spending account)$3Within the typical range ($1.50–$3.25 nationally)
$1 above the national medianAt the California median
Source
Stop Payment Fee$26Within the typical range ($20–$30 nationally)
$1 below the national median$3.50 above the California median
Source
Counter Checks$2Within the typical range ($1–$4 nationally)
At the national median$1 below the California median
Source
Collection Items (Incoming or Outgoing) (Plus any fees charged by third party)$15Within the typical range ($5–$20 nationally)
$5 above the national median$5 above the California median
Source
Photocopy of Bill Payment Checks$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the California median
Source

Account ServicesVerified

Notary Fee$10Above the typical range ($0–$5 nationally)
$7.50 above the national median$5 below the California median
Source
Lost, Stolen or Destroyed Credit Union Check$26Below the typical range ($30–$70 nationally)
$19 below the national median$49 below the California median
per item · Institution’s schedule
Levies: IRS, State, Marshal, etc$30Within the typical range ($30–$87.50 nationally)
$20 below the national median$20 below the California median
Source
Verification of Deposit$5Within the typical range ($5–$15 nationally)
$5 below the national median$5 below the California median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Maintenance Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5.50 below the California median	—	—	Source
Inactivity Fee (after 12 months inactive) Not applicable to Arrowhead Spending Account	$2Below the typical range ($5–$10 nationally)	$3 below the national median$1.50 below the California median	per month	—	Source
Unclaimed Property Notification	$2Below the typical range ($5–$10 nationally)	$3 below the national median$1.50 below the California median	per item	—	Institution’s schedule
Research/Account Reconciliation (Plus any fees charged by third party)	$25Within the typical range ($10–$25 nationally)	$7.50 above the national median$5 above the California median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay and Uncollected Funds (UCF) Items	$27Within the typical range ($25–$32 nationally)	$3 below the national median$2 above the California median	—	—	Source
Withdrawals (Courtesy Pay Fee may apply)	$0
ATM & CardVerified
Verification of ATM Transaction (Plus fee charged by ATM owner/operator)	$3Above the typical range ($1–$2.50 nationally)	$1.25 above the national median$1 above the California median	—	—	Source
Replacement of ATM Card	$5
Wire TransfersVerified
Wire Transfers: Domestic Outgoing	$30Above the typical range ($20–$25 nationally)	$5 above the national median$5 above the California median	—	—	Source
All Incoming Wires	$0
Check ServicesVerified
Cashier’s Check (Payable to third party)	$5Within the typical range ($3–$6 nationally)	At the national medianAt the California median	—	—	Source
Money Order (waived for Arrowhead Spending account)	$3
Cash & DepositVerified
Deposit Item Returned (Branch, Mobile, Mail or Arrowhead ATM)	$0Below the typical range ($8–$25 nationally)	$15 below the national median$20 below the California median	—	—	Source
Account ServicesVerified
Notary Fee	$10Above the typical range ($0–$5 nationally)	$7.50 above the national median$5 below the California median	—	—	Source
Lost, Stolen or Destroyed Credit Union Check	$26
Other FeesVerified
Photocopy of Statement	$5Within the typical range ($1.75–$5 nationally)	$2 above the national median$1 above the California median	—	—	Source

Against California credit unions

Overdraft
$27.00
Of 72 others that publish it, 50 lower, 2 the same and 20 higher.
Monthly maintenance
$0.00
Of 53 others that publish it, 0 lower, 10 the same and 43 higher.

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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

$27

Overdraft fee: $27

10% below the national median overdraft fee

Total fees: 23 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$2.9B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$2.9B

Total deposits

$2.4B

Service charge income (year to date)

$6.6M

Fee income ratio

6.8%

Return on assets

0.87%

Financial profile · Pro

Performance from regulator filings

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