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, under $300M

Utility District Federal Credit Union

Oakland, CaliforniaCredit UnionSan Francisco Fed districtFees collected Feb 17, 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 balancing assistance$20Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Non-sufficient funds item$30Within the typical range ($25–$31 nationally)
At the national median
Source
Overdraft (each debit or draft paid)...……………………………….....…….…….$30Within the typical range ($25–$32 nationally)
At the national median
Source

Check ServicesVerified

Check printing…………………………………………………......…...…(varies by style) | Domestic$20Above the typical range ($1–$13.50 nationally)
$15 above the national median
Source
Official checks………………………………………………….......……………….…$5Within the typical range ($3–$5 nationally)
At the national median
Source
Stop payments-draft$15Below the typical range ($20–$30 nationally)
$10 below the national median
Source

Account ServicesVerified

Garnishments/Executions/Levies……………………………………...…......……$30Within the typical range ($30–$75 nationally)
$20 below the national median
per month · Source
other electronic means. | Verification of deposit fee$5Below the typical range ($10–$15 nationally)
$5 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account balancing assistance	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
hr. \| Monthly fee of account with aggregate balance of below	$5Within the typical range ($3–$10 nationally)	$1 below the national median	per month	—	Source
Overdraft & NSFVerified
Non-sufficient funds item	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
Overdraft (each debit or draft paid)...……………………………….....…….…….	$30
ATM & CardVerified
Debit/ATM card replacement………………………………......………….….……	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Check ServicesVerified
Check printing…………………………………………………......…...…(varies by style) \| Domestic	$20Above the typical range ($1–$13.50 nationally)	$15 above the national median	—	—	Source
Official checks………………………………………………….......……………….…	$5
Cash & DepositVerified
Deposited checks returned unpaid .	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
Account ServicesVerified
Garnishments/Executions/Levies……………………………………...…......……	$30Within the typical range ($30–$75 nationally)	$20 below the national median	per month	—	Source
other electronic means. \| Verification of deposit fee	$5
Lending FeesVerified
Loan payment late fee 10 days after due date	$20Within the typical range ($15–$25 nationally)	$2.50 below the national median	—	—	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 12 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$34.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$34.2M

Total deposits

$30.8M

Service charge income (year to date)

$7K

Fee income ratio

1.1%

Return on assets

1.14%

Financial profile · Pro

Utility District Federal Credit Union

Published fees

Get an email when Utility District Federal Credit Union changes a fee

How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings