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, under $300M

Central State Federal Credit Union

Stockton, CaliforniaCredit UnionSan Francisco Fed districtFees collected Apr 2, 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

Dormant Account (12 months inactive)$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=dormant_account; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Dormant Account (12 months inactive) .................................$5.00 | Inactive Checking Account ............................ $10.00 per month" · Source

Early Account Closure within 1st 90 days$15

At the national median

Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=early_closure; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Early Account Closure within 1st 90 days ............................. $15.00 | Balance less than $100 and no activity for 90 days" · Source

Escheat Notice-per year$2

$3 below the national median

per year · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=dormant_account; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Escheat Notice-per year .....................................................$2.00 | NSF Fee, Check or Pre-Authorized Debit ...... $14.00 per presentment" · Source

Inactive Checking Account$10

$5 above the national median

Reconciliation/Research Fee$20

$5 below the national median

Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=account_research; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Reconciliation/Research Fee ................ $20.00 per hour" · Source

Overdraft & NSFVerified

NSF Fee Pre-Authorized Savings Debit$14Below the typical range ($25–$31 nationally)
$16 below the national median
per item · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=nsf; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="NSF Fee Pre-Authorized Savings Debit ........ $14.00 per presentment | ATM/Debit Card Fees" · Source
NSF Fee, Check or Pre-Authorized Debit$14Below the typical range ($25–$31 nationally)
$16 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=nsf; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Escheat Notice-per year .....................................................$2.00 | NSF Fee, Check or Pre-Authorized Debit ...... $14.00 per presentment" · Source
NSF Withdrawal-Courtesy pay$14Below the typical range ($25–$30 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=overdraft; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Wire Transfer - International............................................... $45.00 | NSF Withdrawal-Courtesy pay ................................ $14.00 per use" · Source
Overdraft Fee$5Below the typical range ($25–$30 nationally)
$25 below the national median
per day · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=overdraft; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Overdraft Fee .......... $5.00 per day after 10 business day" · Source
Overdraft Transfer from Shares$3Within the typical range ($2.38–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=od_protection_transfer; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="External Deposit by phone ................................................ $10.00 | Overdraft Transfer from Shares ........................... $3.00 per transfer" · Source

ATM & CardVerified

per month | ATM/Debit Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
per month · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=card_replacement; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Average Daily Balance falls below minimum ..... $5.00 per month | ATM/Debit Card Replacement .............................................. $5.00" · Source

Check ServicesVerified

Check Cashing Fee per item$10Within the typical range ($5–$10 nationally)
$5 above the national median
per month · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=check_cashing; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Check Cashing Fee per item .............................................. $10.00 | Share Draft ............ $5.00 monthly per checking/share draft" · Source
Corporate Check Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=stop_payment; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Corporate Check Stop Payment .......................................... $25.00 | Check Order/Checking Supplies ........................ Suppliers price plus" · Source
Reverse Stop Payment Request$20Within the typical range ($20–$30 nationally)
$7 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=stop_payment; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Missing/Bad Address - per year......................................... $10.00 | Reverse Stop Payment Request ........................................ $20.00" · Source
Stop Payment Bill Payment Check$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=stop_payment; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Stop Payment Bill Payment Check .................................... $30.00" · Source
Stop Payment on Automatic Debit (savings)$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=stop_payment; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Stop Payment on Automatic Debit (savings) ........................ $20.00 | ATM Empty Deposit Envelope............................................ $30.00" · Source

Digital & ElectronicVerified

On-Line Bill Payment Service$0Within the typical range ($0–$10.73 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #3981. canonical_hint=bill_pay; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="On-Line Bill Payment Service .............................................. FREE" · Source

Account ServicesVerified

Levy, Garnishment or Subpoena$55Within the typical range ($30–$75 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=garnishment_levy; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Levy, Garnishment or Subpoena .......................................... $55.00 | Replacement Check...................................................... $25.00" · Source
Notary Fee$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=notary_fee; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Notary Fee ................................................ $15.00 per signature | Sustained | th" · Source
Verification of Deposit$25Above the typical range ($8.98–$16.75 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=account_verification; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Verification of Deposit ....................................$25.00 per request | Mastercard Cross Border Fee .............................. 0.9% of purchase" · Source

Other FeesVerified

Copy of Statement or Account Print out$6Above the typical range ($2–$5 nationally)
$3 above the national median
per month · Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=document_reproduction; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Copy of Statement or Account Print out ................................$6.00" · Source
Photocopy Fee$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=document_reproduction; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Photocopy Fee ................................................... $1.00 per copy" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account (12 months inactive)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=dormant_account; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Dormant Account (12 months inactive) .................................$5.00 \| Inactive Checking Account ............................ $10.00 per month"	Source
Early Account Closure within 1st 90 days	$15Within the typical range ($10–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=early_closure; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Early Account Closure within 1st 90 days ............................. $15.00 \| Balance less than $100 and no activity for 90 days"	Source
Escheat Notice-per year	$2Below the typical range ($5–$10 nationally)	$3 below the national median	per year	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=dormant_account; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Escheat Notice-per year .....................................................$2.00 \| NSF Fee, Check or Pre-Authorized Debit ...... $14.00 per presentment"	Source
Inactive Checking Account	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=dormant_account; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Dormant Account (12 months inactive) .................................$5.00 \| Inactive Checking Account ............................ $10.00 per month"	Source
Reconciliation/Research Fee	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=account_research; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Reconciliation/Research Fee ................ $20.00 per hour"	Source
Overdraft & NSFVerified
NSF Fee Pre-Authorized Savings Debit	$14Below the typical range ($25–$31 nationally)	$16 below the national median	per item	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=nsf; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="NSF Fee Pre-Authorized Savings Debit ........ $14.00 per presentment \| ATM/Debit Card Fees"	Source

ATM & CardVerified
per month \| ATM/Debit Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=card_replacement; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Average Daily Balance falls below minimum ..... $5.00 per month \| ATM/Debit Card Replacement .............................................. $5.00"	Source
Check ServicesVerified
Check Cashing Fee per item	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=check_cashing; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Check Cashing Fee per item .............................................. $10.00 \| Share Draft ............ $5.00 monthly per checking/share draft"	Source
Digital & ElectronicVerified
On-Line Bill Payment Service	$0Within the typical range ($0–$10.73 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #3981. canonical_hint=bill_pay; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="On-Line Bill Payment Service .............................................. FREE"	Source
Account ServicesVerified
Levy, Garnishment or Subpoena	$55Within the typical range ($30–$75 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=garnishment_levy; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Levy, Garnishment or Subpoena .......................................... $55.00 \| Replacement Check...................................................... $25.00"	Source
Other FeesVerified
Copy of Statement or Account Print out	$6Above the typical range ($2–$5 nationally)	$3 above the national median	per month	Knox deterministic extraction from Rosetta artifact #3981. canonical_hint=document_reproduction; text_hash=0f617d16c999595d74696bbd18e99559ab36be7a64fc3802b8034cee36b6b29b; excerpt="Copy of Statement or Account Print out ................................$6.00"	Source
Photocopy Fee

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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

$14

Overdraft fee: $14

53% below the national median overdraft fee

Total fees: 22 — leaner than most institutions

Published fees

Under review

Assets

$258.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$258.2M

Total deposits

$211.3M

Service charge income (year to date)

$333K

Fee income ratio

6.0%

Return on assets

0.28%

Financial profile · Pro

Performance from regulator filings

NSF Fee, Check or Pre-Authorized Debit

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 25,624 verified fees from 2,223 institutions

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