Huntington Beach Federal Credit Union

Headquarters: Huntington Beach, California
Charter: Credit Union
Assets: $56.4M
Fed district: San Francisco

14 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.

NSF / Returned Item
Huntington Beach Federal Credit Union: $14
Huntington Beach Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Huntington Beach Federal Credit Union: $1
Huntington Beach Federal Credit Union: $1
U.S. median: no median
OD Protection Transfer
Huntington Beach Federal Credit Union: $3
Huntington Beach Federal Credit Union: $3
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 Huntington Beach Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closure Fee (Account closed less than 1 year from open date)$15
Dormant Account Fee (After 12 months of inactivity)$5
Not compared: Quarterly charge, not monthly
per quarter
Account Research/Reconcilement (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fees$2

Overdraft & NSF

NSF Item (ACH/Share Draft/Point of Sale/Bill Payment)$14
per item
Overdraft Transfer Protection from Shares$3
per item

ATM & Card

ATM Withdrawals after 4 per month$1
per item
Mastercard Debit Card/PIN Replacement$15
per item
Mastercard Debit Card/PIN Rush Order$50
per item

Check Services

Copy of Paid Share Draft Check (FREE on Virtual Branch)$2
per item

Digital & Electronic

Online Bill PaymentNo charge

Cash & Deposit

ATM Returned Deposited Item$25
per item
Returned Deposit Per Item$25
per item

Account Services

Levy/Garnishment Processing Fee$15

Lending Fees

Visa Credit Card Late Payment Charge$10

Gift & Prepaid Cards

Gift Cards$3.50
per item

Other Fees

Statement Copy (FREE on Virtual Branch)$2
Not compared: Charged per page; comparison unavailable
per page
Approved Skip-A-Pay/Extension Agreements$25
per item
Real Estate Full Reconveyance Fee$350
per item

Fee	Amount	Basis	Note
Account Maintenance
Closure Fee (Account closed less than 1 year from open date)	$15	Not stated	None
Dormant Account Fee (After 12 months of inactivity)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Account Research/Reconcilement (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fees	$2	Not stated	None
Overdraft & NSF
NSF Item (ACH/Share Draft/Point of Sale/Bill Payment)	$14	per item	None
Overdraft Transfer Protection from Shares	$3	per item	None
ATM & Card
ATM Withdrawals after 4 per month	$1	per item	None
Mastercard Debit Card/PIN Replacement	$15	per item	None
Mastercard Debit Card/PIN Rush Order	$50	per item	None
Check Services
Copy of Paid Share Draft Check (FREE on Virtual Branch)	$2	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
ATM Returned Deposited Item	$25	per item	None
Returned Deposit Per Item	$25	per item	None
Account Services
Levy/Garnishment Processing Fee	$15	Not stated	None
Lending Fees
Visa Credit Card Late Payment Charge	$10	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.50	per item	None
Other Fees
Statement Copy (FREE on Virtual Branch)	$2Not compared: Charged per page; comparison unavailable	per page	None
Approved Skip-A-Pay/Extension Agreements	$25	per item	None
Real Estate Full Reconveyance Fee	$350	per item	None

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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