Central State Federal Credit Union

Headquarters: Stockton, California
Charter: Credit Union
Assets: $258.2M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Monthly Maintenance
Additional Checking / Share Draft $5 · Fresh Start Checking Account $15
Compared at $10, the middle of its prices
Central State Federal Credit Union: $5 to $15
Central State Federal Credit Union: $5 to $15
U.S. median: no median
Overdraft (OD)
Central State Federal Credit Union: $14
Central State Federal Credit Union: $14
U.S. median: no median
Wire Transfer (Domestic Out)
Central State Federal Credit Union: $35
Central State Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 Central State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Additional Checking / Share Draft Monthly service charge (audience not stated, treated as personal)$5
per month
Fresh Start Checking Account Monthly service charge$15
per month
Reconciliation/Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement$3
per month
Missing/Bad Address - per Year$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

NSF Withdrawal-Courtesy pay$14
Paid NSF Fee - Check or Pre-Authorized Debit$14
per item
Sustained Overdraft Fee$5
per day

ATM & Card

Mastercard Cross Border Fee0.9%of the transaction

Wire Transfers

Wire Transfer - Domestic$35

Check Services

Corporate Check Issued to 3rd party$10
Check Cashing Fee$10
Collection Item - Domestic$30
Collection Item - International$35
Copy of Bill Payment Check$15
per item
Copy of Deposited Item$10

Cash & Deposit

Coinstar Coin Machine5%

Account Services

Levy, Garnishment or Subpoena$100

Retirement & IRA

IRA Annual Maintenance$15
per year
IRA Transfer/Rollover$20

Fee	Amount	Basis	Note
Account Maintenance
Additional Checking / Share Draft Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Fresh Start Checking Account Monthly service charge	$15	per month	None
Reconciliation/Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement	$3	per month	None
Missing/Bad Address - per Year	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
NSF Withdrawal-Courtesy pay	$14	Not stated	None
Paid NSF Fee - Check or Pre-Authorized Debit	$14	per item	None
Sustained Overdraft Fee	$5	per day	None
ATM & Card
Mastercard Cross Border Fee	0.9%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$35	Not stated	None
Check Services
Corporate Check Issued to 3rd party	$10	Not stated	None
Check Cashing Fee	$10	Not stated	None
Collection Item - Domestic	$30	Not stated	None
Collection Item - International	$35	Not stated	None
Copy of Bill Payment Check	$15	per item	None
Copy of Deposited Item	$10	Not stated	None
Cash & Deposit
Coinstar Coin Machine	5%	Not stated	None
Account Services
Levy, Garnishment or Subpoena	$100	Not stated	None
Retirement & IRA
IRA Annual Maintenance	$15	per year	None
IRA Transfer/Rollover	$20	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

Account Maintenance

Fresh Start Checking Account Monthly service charge$15
per month
Average Daily Balance falls below minimum$5
per month
Early Account Closure within 1st 90 days$15
Dormant Account (12 months inactive)$5
per month
Escheat Notice-per year$2
Not compared: Annual charge, not monthly
per year
Inactive Checking Account$10
per month
Reconciliation/Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement$3
per month
Missing/Bad Address - per Year$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

NSF Withdrawal-Courtesy pay$14
Paid NSF Fee - Check or Pre-Authorized Debit$14
per item
NSF Fee Pre-Authorized Savings Debit$14
per item
Sustained Overdraft Fee$5
per day
Overdraft Transfer from Shares$3
per item

ATM & Card

ATM/Debit Card Replacement$5
Not compared: Monthly charge, not per item
per month
Mastercard Cross Border Fee0.9%of the transaction
Mastercard Currency Conversion Fee0.2%of the transaction

Wire Transfers

Wire Transfer - Domestic$35
Wire Transfer - International$45

Check Services

Corporate Check Issued to 3rd party$10
Corporate Check Stop Payment$25
Reverse Stop Payment Request$20
Stop Payment Bill Payment Check$30
Stop Payment on Automatic Debit (savings)$20
Check Cashing Fee$10
Collection Item - Domestic$30
Collection Item - International$35
Check Copies: After 2 per Month$5
per item
Check Copies: Counter/Temp Checks (4 cks)$5
Copy of Bill Payment Check$15
per item
Copy of Corporate Check$10
Copy of Deposited Item$10

Digital & Electronic

On-Line Bill Payment ServiceNo charge

Cash & Deposit

Coinstar Coin Machine5%

Account Services

Notary Fee$15
per item
Levy, Garnishment or Subpoena$100
Verification of Deposit$25
per item

Retirement & IRA

IRA Annual Maintenance$15
per year
IRA Transfer/Rollover$20

Other Fees

Copy of Statement or Account Print out$6
Photocopy Fee$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Account Monthly service charge	$15	per month	None
Average Daily Balance falls below minimum	$5	per month	None
Early Account Closure within 1st 90 days	$15	Not stated	None
Dormant Account (12 months inactive)	$5	per month	None
Escheat Notice-per year	$2Not compared: Annual charge, not monthly	per year	None
Inactive Checking Account	$10	per month	None
Reconciliation/Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement	$3	per month	None
Missing/Bad Address - per Year	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
NSF Withdrawal-Courtesy pay	$14	Not stated	None
Paid NSF Fee - Check or Pre-Authorized Debit	$14	per item	None
NSF Fee Pre-Authorized Savings Debit	$14	per item	None
Sustained Overdraft Fee	$5	per day	None
Overdraft Transfer from Shares	$3	per item	None
ATM & Card
ATM/Debit Card Replacement	$5Not compared: Monthly charge, not per item	per month	None
Mastercard Cross Border Fee	0.9%of the transaction	Not stated	None
Mastercard Currency Conversion Fee	0.2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$35	Not stated	None
Wire Transfer - International	$45	Not stated	None
Check Services
Corporate Check Issued to 3rd party	$10	Not stated	None
Corporate Check Stop Payment	$25	Not stated	None
Reverse Stop Payment Request	$20	Not stated	None
Stop Payment Bill Payment Check	$30	Not stated	None
Stop Payment on Automatic Debit (savings)	$20	Not stated	None
Check Cashing Fee	$10	Not stated	None
Collection Item - Domestic	$30	Not stated	None
Collection Item - International	$35	Not stated	None
Check Copies: After 2 per Month	$5	per item	None
Check Copies: Counter/Temp Checks (4 cks)	$5	Not stated	None
Copy of Bill Payment Check	$15	per item	None
Copy of Corporate Check	$10	Not stated	None
Copy of Deposited Item	$10	Not stated	None
Digital & Electronic
On-Line Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Coinstar Coin Machine	5%	Not stated	None
Account Services
Notary Fee	$15	per item	None
Levy, Garnishment or Subpoena	$100	Not stated	None
Verification of Deposit	$25	per item	None
Retirement & IRA
IRA Annual Maintenance	$15	per year	None
IRA Transfer/Rollover	$20	Not stated	None
Other Fees
Copy of Statement or Account Print out	$6	Not stated	None
Photocopy Fee	$1	per item	None

Correct a fee source

Oct 9, 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 Central State Federal Credit Union's foreign transaction 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
Additional Checking / Share Draft $5 · Fresh Start Checking Account $15
Compared at $10, the middle of its prices
Central State Federal Credit Union: $5 to $15
Central State Federal Credit Union: $5 to $15
U.S. median: no median
Overdraft (OD)
Central State Federal Credit Union: $14
Central State Federal Credit Union: $14
U.S. median: no median
Wire Transfer (Domestic Out)
Central State Federal Credit Union: $35
Central State Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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.

Published fee schedule

Amounts from Central State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Additional Checking / Share Draft Monthly service charge (audience not stated, treated as personal)$5
per month
Fresh Start Checking Account Monthly service charge$15
per month
Reconciliation/Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement$3
per month
Missing/Bad Address - per Year$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

NSF Withdrawal-Courtesy pay$14
Paid NSF Fee - Check or Pre-Authorized Debit$14
per item
Sustained Overdraft Fee$5
per day

ATM & Card

Mastercard Cross Border Fee0.9%of the transaction

Wire Transfers

Wire Transfer - Domestic$35

Check Services

Corporate Check Issued to 3rd party$10
Check Cashing Fee$10
Collection Item - Domestic$30
Collection Item - International$35
Copy of Bill Payment Check$15
per item
Copy of Deposited Item$10

Cash & Deposit

Coinstar Coin Machine5%

Account Services

Levy, Garnishment or Subpoena$100

Retirement & IRA

IRA Annual Maintenance$15
per year
IRA Transfer/Rollover$20

Fee	Amount	Basis	Note
Account Maintenance
Additional Checking / Share Draft Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Fresh Start Checking Account Monthly service charge	$15	per month	None
Reconciliation/Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement	$3	per month	None
Missing/Bad Address - per Year	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
NSF Withdrawal-Courtesy pay	$14	Not stated	None
Paid NSF Fee - Check or Pre-Authorized Debit	$14	per item	None
Sustained Overdraft Fee	$5	per day	None
ATM & Card
Mastercard Cross Border Fee	0.9%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$35	Not stated	None
Check Services
Corporate Check Issued to 3rd party	$10	Not stated	None
Check Cashing Fee	$10	Not stated	None
Collection Item - Domestic	$30	Not stated	None
Collection Item - International	$35	Not stated	None
Copy of Bill Payment Check	$15	per item	None
Copy of Deposited Item	$10	Not stated	None
Cash & Deposit
Coinstar Coin Machine	5%	Not stated	None
Account Services
Levy, Garnishment or Subpoena	$100	Not stated	None
Retirement & IRA
IRA Annual Maintenance	$15	per year	None
IRA Transfer/Rollover	$20	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

Account Maintenance

Fresh Start Checking Account Monthly service charge$15
per month
Average Daily Balance falls below minimum$5
per month
Early Account Closure within 1st 90 days$15
Dormant Account (12 months inactive)$5
per month
Escheat Notice-per year$2
Not compared: Annual charge, not monthly
per year
Inactive Checking Account$10
per month
Reconciliation/Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Paper Statement$3
per month
Missing/Bad Address - per Year$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

NSF Withdrawal-Courtesy pay$14
Paid NSF Fee - Check or Pre-Authorized Debit$14
per item
NSF Fee Pre-Authorized Savings Debit$14
per item
Sustained Overdraft Fee$5
per day
Overdraft Transfer from Shares$3
per item

ATM & Card

ATM/Debit Card Replacement$5
Not compared: Monthly charge, not per item
per month
Mastercard Cross Border Fee0.9%of the transaction
Mastercard Currency Conversion Fee0.2%of the transaction

Wire Transfers

Wire Transfer - Domestic$35
Wire Transfer - International$45

Check Services

Corporate Check Issued to 3rd party$10
Corporate Check Stop Payment$25
Reverse Stop Payment Request$20
Stop Payment Bill Payment Check$30
Stop Payment on Automatic Debit (savings)$20
Check Cashing Fee$10
Collection Item - Domestic$30
Collection Item - International$35
Check Copies: After 2 per Month$5
per item
Check Copies: Counter/Temp Checks (4 cks)$5
Copy of Bill Payment Check$15
per item
Copy of Corporate Check$10
Copy of Deposited Item$10

Digital & Electronic

On-Line Bill Payment ServiceNo charge

Cash & Deposit

Coinstar Coin Machine5%

Account Services

Notary Fee$15
per item
Levy, Garnishment or Subpoena$100
Verification of Deposit$25
per item

Retirement & IRA

IRA Annual Maintenance$15
per year
IRA Transfer/Rollover$20

Other Fees

Copy of Statement or Account Print out$6
Photocopy Fee$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Account Monthly service charge	$15	per month	None
Average Daily Balance falls below minimum	$5	per month	None
Early Account Closure within 1st 90 days	$15	Not stated	None
Dormant Account (12 months inactive)	$5	per month	None
Escheat Notice-per year	$2Not compared: Annual charge, not monthly	per year	None
Inactive Checking Account	$10	per month	None
Reconciliation/Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Paper Statement	$3	per month	None
Missing/Bad Address - per Year	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
NSF Withdrawal-Courtesy pay	$14	Not stated	None
Paid NSF Fee - Check or Pre-Authorized Debit	$14	per item	None
NSF Fee Pre-Authorized Savings Debit	$14	per item	None
Sustained Overdraft Fee	$5	per day	None
Overdraft Transfer from Shares	$3	per item	None
ATM & Card
ATM/Debit Card Replacement	$5Not compared: Monthly charge, not per item	per month	None
Mastercard Cross Border Fee	0.9%of the transaction	Not stated	None
Mastercard Currency Conversion Fee	0.2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$35	Not stated	None
Wire Transfer - International	$45	Not stated	None
Check Services
Corporate Check Issued to 3rd party	$10	Not stated	None
Corporate Check Stop Payment	$25	Not stated	None
Reverse Stop Payment Request	$20	Not stated	None
Stop Payment Bill Payment Check	$30	Not stated	None
Stop Payment on Automatic Debit (savings)	$20	Not stated	None
Check Cashing Fee	$10	Not stated	None
Collection Item - Domestic	$30	Not stated	None
Collection Item - International	$35	Not stated	None
Check Copies: After 2 per Month	$5	per item	None
Check Copies: Counter/Temp Checks (4 cks)	$5	Not stated	None
Copy of Bill Payment Check	$15	per item	None
Copy of Corporate Check	$10	Not stated	None
Copy of Deposited Item	$10	Not stated	None
Digital & Electronic
On-Line Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Coinstar Coin Machine	5%	Not stated	None
Account Services
Notary Fee	$15	per item	None
Levy, Garnishment or Subpoena	$100	Not stated	None
Verification of Deposit	$25	per item	None
Retirement & IRA
IRA Annual Maintenance	$15	per year	None
IRA Transfer/Rollover	$20	Not stated	None
Other Fees
Copy of Statement or Account Print out	$6	Not stated	None
Photocopy Fee	$1	per item	None

Correct a fee source

Oct 9, 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.