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.

Explore Hamilton View published fees

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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Among its peers

United Local Federal Credit Union · $119M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$116M to $123M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
United Local Federal Credit Union(this institution)	Fresno, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
A.A.E.C. Federal Credit Union	Arlington Heights, IL	$119M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brewer Federal Credit Union	Brewer, ME	$118M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Casco Federal Credit Union	Gorham, ME	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centex Citizens Federal Credit Union	Mexia, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Credit Union of Illinois	Bellwood, IL	$123M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cgr Federal Credit Union	Macon, GA	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Circle Federal Credit Union	Niles, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Federal Credit Union	Lewiston, ME	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Estacado Federal Credit Union	Hobbs, NM	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First American Federal Credit Union	Casa Grande, AZ	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Governmental Employees Federal Credit Union	La Crosse, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Guthrie Community Federal Credit Union	Sayre, PA	$123M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hancock Federal Credit Union	Findlay, OH	$118M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Marquette Community Federal Credit Union	Marquette, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Federal Credit Union	Charlotte, NC	$121M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Omaha Federal Credit Union	Omaha, NE	$118M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Prestige Community Federal Credit Union	Dallas, TX	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Richland Federal Credit Union	Sidney, MT	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sea Air Federal Credit Union	Seal Beach, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Thinkwise Federal Credit Union	San Bernardino, CA	$123M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Brownsville, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Salem, OR	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

United Local Federal Cred…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when United Local Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.

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

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.

Among its peers

United Local Federal Credit Union · $119M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$116M to $123M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
United Local Federal Credit Union(this institution)	Fresno, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
A.A.E.C. Federal Credit Union	Arlington Heights, IL	$119M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brewer Federal Credit Union	Brewer, ME	$118M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Casco Federal Credit Union	Gorham, ME	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centex Citizens Federal Credit Union	Mexia, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Credit Union of Illinois	Bellwood, IL	$123M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cgr Federal Credit Union	Macon, GA	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Circle Federal Credit Union	Niles, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Federal Credit Union	Lewiston, ME	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Estacado Federal Credit Union	Hobbs, NM	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First American Federal Credit Union	Casa Grande, AZ	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Governmental Employees Federal Credit Union	La Crosse, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Guthrie Community Federal Credit Union	Sayre, PA	$123M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hancock Federal Credit Union	Findlay, OH	$118M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Marquette Community Federal Credit Union	Marquette, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Federal Credit Union	Charlotte, NC	$121M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Omaha Federal Credit Union	Omaha, NE	$118M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Prestige Community Federal Credit Union	Dallas, TX	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Richland Federal Credit Union	Sidney, MT	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sea Air Federal Credit Union	Seal Beach, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Thinkwise Federal Credit Union	San Bernardino, CA	$123M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Brownsville, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Salem, OR	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $7.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

United Local Federal Cred…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.