United Local Federal Credit Union

Headquarters: Fresno, California
Charter: Credit Union
Assets: $119.3M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
United Local Federal Credit Union: $10
United Local Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
United Local Federal Credit Union: $14
United Local Federal Credit Union: $14
U.S. median: no median
Stop Payment
Compared at $20, the middle of its prices
United Local Federal Credit Union: $20 to $25
United Local Federal Credit Union: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 United Local Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Checking Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Monthly/Quarterly Paper Statements (audience not stated, treated as personal)$5
per month

Overdraft & NSF

Coin Handling NSF Returns (audience not stated, treated as personal)$14
NSF Returns$14

ATM & Card

Withdwawal at Non-CO-OP ATM$3
Not compared: Annual charge, not per item
per year
Lost/Damaged Replacement Card (audience not stated, treated as personal)$10

Check Services

Check Printing COST Stop Payment$20
Stop Payments$20
per item
Stop Payments (audience not stated, treated as personal)$25
Temporary Checks$1
per item
Check Cashing Fee to open$25
Check Copies$3

Account Services

Drilled Entry COST+ (audience not stated, treated as personal)$20
Not compared: Box drilling or key fee
Lost Key Charge/Late fee (audience not stated, treated as personal)$30
Not compared: Box drilling or key fee
Safe Deposit Box 5"x10" (audience not stated, treated as personal)$50
Safe Deposit Box 5"x5" (audience not stated, treated as personal)$25

Gift & Prepaid Cards

Gift Cards (audience not stated, treated as personal)$5

Other Fees

Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Checking Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly/Quarterly Paper Statements (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
Coin Handling NSF Returns (audience not stated, treated as personal)	$14	Not stated	None
NSF Returns	$14	Not stated	None
ATM & Card
Withdwawal at Non-CO-OP ATM	$3Not compared: Annual charge, not per item	per year	None
Lost/Damaged Replacement Card (audience not stated, treated as personal)	$10	Not stated	None
Check Services
Check Printing COST Stop Payment	$20	Not stated	None
Stop Payments	$20	per item	None
Stop Payments (audience not stated, treated as personal)	$25	Not stated	None
Temporary Checks	$1	per item	None
Check Cashing Fee to open	$25	Not stated	None
Check Copies	$3	Not stated	None
Account Services
Drilled Entry COST+ (audience not stated, treated as personal)	$20Not compared: Box drilling or key fee	Not stated	None
Lost Key Charge/Late fee (audience not stated, treated as personal)	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 5"x10" (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5"x5" (audience not stated, treated as personal)	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards (audience not stated, treated as personal)	$5	Not stated	None
Other Fees
Statement Copies	$5	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 5, 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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