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, $300M to $1B

Wheelhouse Federal Credit Union

San Diego, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 8, 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

Escheat Notice$2Below the typical range ($5–$10 nationally)

$3 below the national median$1.50 below the California median

Inactive Savings Account (12 months inactivity)$15

$10 above the national median$11.50 above the California median

per quarter · Source

Account Reconciliation$25

$7.50 above the national median$5 above the California median

Source

Reg D Excessive Withdrawal$10

$7.50 below the national median$10 below the California median

per item · Source

Paper Statement Fee$3

At the national median$0.50 above the California median

per month · Source

Overdraft & NSFVerified

Bounce Guard Courtesy Overdraft and NSF fees per day$10Below the typical range ($25–$33 nationally)
$20 below the national median$15 below the California median
per item · Source
Bounce Guard Courtesy Overdraft and NSF fees per day$14Below the typical range ($25–$33 nationally)
$16 below the national median$11 below the California median
per item · Source
BillPay Insufficient Funds$10Below the typical range ($25–$32 nationally)
$20 below the national median$13 below the California median
per item · Source
Non-Sufficient Funds (ACH/Check/EFT) We will charge you a fee of$10Below the typical range ($25–$32 nationally)
$20 below the national median$13 below the California median
per item · Source
Overdraft Protection Transfer$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$3 below the California median
Source

ATM & CardVerified

ATM Withdrawal (Non CO-OP)$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the California median
per item · Source
ATM/Debit Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the California median
per item · Source
Debit Card Foreign Transaction Fee1%of the transaction
—
Source

Wire TransfersVerified

Outgoing Domestic Wire$25Within the typical range ($20–$25 nationally)
At the national medianAt the California median
per item · Source
Outgoing Foreign Wire$50Within the typical range ($40–$50 nationally)
At the national median$5 above the California median
per item · Source

Check ServicesVerified

Cashier’s Check$10Above the typical range ($3–$6 nationally)
$5 above the national median$5 above the California median
per item · Source
Cashier’s Check (1 per day)$0Below the typical range ($3–$6 nationally)
$5 below the national median$5 below the California median
per day · Source
Cashier’s Checks (2 or more per day)$5Within the typical range ($3–$6 nationally)
At the national medianAt the California median
per item · Source
BillPay Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 above the California median
per item · Source
Stop Payment (ACH/Check/EFT)$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 above the California median
per item · Source
Temporary Checks$5Above the typical range ($1–$4 nationally)
$3 above the national median$2 above the California median
per item · Per sheet of 4 checks · Institution’s schedule
Temporary Checks (per sheet of 4 checks)$5Above the typical range ($1–$4 nationally)
$3 above the national median$2 above the California median
per item · Source
Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median$0.50 below the California median
per item · Source
Check Collection Item$20Within the typical range ($10–$25 nationally)
At the national medianAt the California median
per item · Source
Check Copy$3Within the typical range ($2–$5 nationally)
At the national medianAt the California median
per item · Source

Digital & ElectronicVerified

BillPay Enrollment$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$5 below the California median
Source
BillPay Monthly Service Charge$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$5 below the California median
per month · Source

Cash & DepositVerified

Returned Deposit Item$0Below the typical range ($8–$25 nationally)
$15 below the national median$18 below the California median
per item · Source

Account ServicesVerified

Notary Service (per signature)$15Above the typical range ($0–$5 nationally)
$12.50 above the national medianAt the California median
per item · Source
Legal Process$75Within the typical range ($30–$100 nationally)
$25 above the national median$25 above the California median
per item · Source
Verification of Deposit$10Within the typical range ($5–$15 nationally)
At the national medianAt the California median
per item · Source

Retirement & IRAVerified

IRA Transfer$30Within the typical range ($25–$35 nationally)
$5 above the national median$5 above the California median
per item · Source

Gift & Prepaid CardsVerified

VISA Gift Card$5Above the typical range ($3–$4.95 nationally)
$1.50 above the national median$1.50 above the California median
per item · Institution’s schedule
VISA® Gift Card$5Above the typical range ($3–$4.95 nationally)
$1.50 above the national median$1.50 above the California median
per item · Source

Other FeesVerified

Statement/Account History Printout/Document Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median$0.75 above the California median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Escheat Notice	$2Below the typical range ($5–$10 nationally)	$3 below the national median$1.50 below the California median	—	—	Source
Inactive Savings Account (12 months inactivity)	$15Above the typical range ($5–$10 nationally)	$10 above the national median$11.50 above the California median	per quarter	—	Source
Account Reconciliation	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$5 above the California median	—	—	Source
Reg D Excessive Withdrawal	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$10 below the California median	per item	—	Source
Paper Statement Fee	$3Within the typical range ($2–$4.68 nationally)	At the national median$0.50 above the California median	per month	—	Source
Overdraft & NSFVerified
Bounce Guard Courtesy Overdraft and NSF fees per day	$10Below the typical range ($25–$33 nationally)	$20 below the national median$15 below the California median	per item	—	Source
Bounce Guard Courtesy Overdraft and NSF fees per day	$14
ATM & CardVerified
ATM Withdrawal (Non CO-OP)	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the California median	per item	—	Source
ATM/Debit Card Replacement	$5
Wire TransfersVerified
Outgoing Domestic Wire	$25Within the typical range ($20–$25 nationally)	At the national medianAt the California median	per item	—	Source
Outgoing Foreign Wire	$50
Check ServicesVerified
Cashier’s Check	$10Above the typical range ($3–$6 nationally)	$5 above the national median$5 above the California median	per item	—	Source
Cashier’s Check (1 per day)	$0
Digital & ElectronicVerified
BillPay Enrollment	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$5 below the California median	—	—	Source
BillPay Monthly Service Charge	$0
Cash & DepositVerified
Returned Deposit Item	$0Below the typical range ($8–$25 nationally)	$15 below the national median$18 below the California median	per item	—	Source
Account ServicesVerified
Notary Service (per signature)	$15Above the typical range ($0–$5 nationally)	$12.50 above the national medianAt the California median	per item	—	Source
Legal Process	$75
Retirement & IRAVerified
IRA Transfer	$30Within the typical range ($25–$35 nationally)	$5 above the national median$5 above the California median	per item	—	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$5Above the typical range ($3–$4.95 nationally)	$1.50 above the national median$1.50 above the California median	per item	—	Institution’s schedule
VISA® Gift Card	$5
Other FeesVerified
Statement/Account History Printout/Document Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median$0.75 above the California median	per item	—	Source

Against California credit unions

Overdraft
$14.00
Of 79 others that publish it, 6 lower, 25 the same and 48 higher.

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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

$10

Overdraft fee: $10

67% below the national median overdraft fee

34 verified fees collected

Headline fees published

12 of 15

Published fees

Under review

Assets

$459.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$459.7M

Total deposits

$409.8M

Service charge income (year to date)

$279K

Fee income ratio

1.8%

Return on assets

1.29%

Financial profile · Pro

Performance from regulator filings

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