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, $1B to $10B

San Diego County Federal Credit Union

San Diego, CaliforniaCredit UnionSan Francisco Fed districtFees collected Apr 7, 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

Account Closed Within 90 Days of Opening$10Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=early_closure; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="Account Closed Within 90 Days of Opening $10.00" · Source

Account research or reconciliation$50

$25 above the national median

Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=account_research; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt=". Discount cannot be redeemed for cash.) SERVICE FEES Account research or reconciliation $50" · Source

Monthly fee waived with one of the following$20

$14.05 above the national median

per month · Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=monthly_maintenance; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="Monthly fee waived with one of the following: | Transfer debit (EFT) (includes ACH) $20 each" · Source

Monthly fee waived with one of the following$10

$4.05 above the national median

Overdraft & NSFVerified

NSF ACH Not Paid3$14Below the typical range ($25–$31 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=nsf; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="- NSF ACH Not Paid3 $14 each | - Classic Checking: $25" · Source
OVERDRAFT FEES2: Transfer fee$5Within the typical range ($2.38–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=od_protection_transfer; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="- Transfer fee $5 per transfer" · Source
Overdraft Service$14Below the typical range ($25–$30 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=overdraft; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="Overdraft Service3 $14 each SAFE" · Source

ATM & CardVerified

International ATM withdrawals$5Within the typical range ($2–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=atm_international; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="- International ATM withdrawals $5 each" · Source
Non-CO-OP ATM withdrawals$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=atm_non_network; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="- Non-CO-OP ATM withdrawals $3 each" · Source
Standard card replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=card_replacement; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="REV. 06.12.26 Federally insured by NCUA CONSUMER SERVICES FEE SCHEDULE Effective June 17, 2026 and subject to change. ATM AND VISA® DEBIT CARD FEES Standard card replacement $5 eac" · Source

Check ServicesVerified

Cashier’s check refusal of payment order$20Above the typical range ($3–$5.50 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=cashiers_check; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="- Cashier’s check refusal of payment order $20 each" · Source
Printed checks Varies by selection Temporary checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=counter_check; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="Printed checks Varies by selection Temporary checks $5" · Source
Temporary Checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
per item · For 8 checks · Source
waived for the first two per month - Cashier’s check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
per month · Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=cashiers_check; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="waived for the first two per month - Cashier’s check $3 each" · Source

Account ServicesVerified

annual fee Lost key replacement$20Below the typical range ($25–$75 nationally)
$22.50 below the national median
per year · Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=safe_deposit_box; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="annual fee Lost key replacement $20 each" · Source
Lost key replacement$20Below the typical range ($25–$75 nationally)
$22.50 below the national median
Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=safe_deposit_box; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="Lost key replacement $20 each" · Source
Request for Verification of Deposit (VOD)$20Above the typical range ($8.98–$16.75 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=account_verification; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="Request for Verification of Deposit (VOD) $20 each Returned item" · Source
Wave Checking™$0Below the typical range ($8.98–$16.75 nationally)
$10 below the national median
per month · Knox read a free fee from Rosetta artifact #5611. canonical_hint=account_verification; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="Wave Checking™ $0 per month | Request for Verification of Deposit (VOD) $20 each" · Source

Retirement & IRAVerified

processing Fee varies IRA transfer fee to another financial institution$30Within the typical range ($25–$35 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=ira_termination; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="processing Fee varies IRA transfer fee to another financial institution $30 each Payment" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed Within 90 Days of Opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=early_closure; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="Account Closed Within 90 Days of Opening $10.00"	Source
Account research or reconciliation	$50Above the typical range ($17.50–$25 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=account_research; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt=". Discount cannot be redeemed for cash.) SERVICE FEES Account research or reconciliation $50"	Source
Monthly fee waived with one of the following	$20Above the typical range ($3–$10 nationally)	$14.05 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=monthly_maintenance; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="Monthly fee waived with one of the following: \| Transfer debit (EFT) (includes ACH) $20 each"	Source
Monthly fee waived with one of the following	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=monthly_maintenance; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="Monthly fee waived with one of the following: \| - ACH Payment $10 each"	Source
Overdraft & NSFVerified
NSF ACH Not Paid3	$14Below the typical range ($25–$31 nationally)	$16 below the national median	—	Knox deterministic extraction from Rosetta artifact #5611. canonical_hint=nsf; text_hash=5983941818fb19e15bd8c268db14349ee51bc06384eb0e768729a68f51a0e880; excerpt="- NSF ACH Not Paid3 $14 each \| - Classic Checking: $25"	Source
OVERDRAFT FEES2: Transfer fee
ATM & CardVerified
International ATM withdrawals	$5Within the typical range ($2–$5 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=atm_international; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="- International ATM withdrawals $5 each"	Source
Non-CO-OP ATM withdrawals
Check ServicesVerified
Cashier’s check refusal of payment order	$20Above the typical range ($3–$5.50 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=cashiers_check; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="- Cashier’s check refusal of payment order $20 each"	Source
Printed checks Varies by selection Temporary checks
Account ServicesVerified
annual fee Lost key replacement	$20Below the typical range ($25–$75 nationally)	$22.50 below the national median	per year	Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=safe_deposit_box; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="annual fee Lost key replacement $20 each"	Source
Lost key replacement
Retirement & IRAVerified
processing Fee varies IRA transfer fee to another financial institution	$30Within the typical range ($25–$35 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2225. canonical_hint=ira_termination; text_hash=eaf1b4844ef756c514565fad3ba8d889e204b7a2fc5df069a630e1ba1ea90a48; excerpt="processing Fee varies IRA transfer fee to another financial institution $30 each Payment"	Source

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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

$14

Overdraft fee: $14

53% below the national median overdraft fee

Total fees: 19 — leaner than most institutions

Published fees

Under review

Assets

$9.5B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$9.5B

Total deposits

$7.8B

Service charge income (year to date)

$9.8M

Fee income ratio

5.4%

Return on assets

0.54%

Financial profile · Pro

Performance from regulator filings

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Based on 25,267 verified fees from 2,206 institutions

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