Utility District Federal Credit Union

Headquarters: Oakland, California
Charter: Credit Union
Assets: $34.2M
Fed district: San Francisco

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Utility District Federal Credit Union: $5
Utility District Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Utility District Federal Credit Union: $30
Utility District Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Utility District Federal Credit Union: $30
Utility District Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Utility District Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee of account with aggregate balance of below $100.00$5
per month
Regular share account inactivity fee (annual)$5
Not compared: Annual charge, not monthly
per year
Account balancing assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (audience not stated, treated as personal)$20
Not compared: Monthly charge, not per item
per month

Overdraft & NSF

Overdraft (each debit or draft paid)$30
per item
Non-sufficient funds item$30

ATM & Card

Debit/ATM card replacement$10

Check Services

Official checks$5
Stop payments-draft$15
Copy of draft (first two draft copies free)$5

Cash & Deposit

Deposited checks returned unpaid .$30

Account Services

Garnishments/Executions/Levies$30
Verification of deposit fee$5

Lending Fees

Loan payment late fee 10 days after due date$20
Loan cancellation fee$25

Retirement & IRA

IRA custodial fee$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee of account with aggregate balance of below $100.00	$5	per month	None
Regular share account inactivity fee (annual)	$5Not compared: Annual charge, not monthly	per year	None
Account balancing assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (audience not stated, treated as personal)	$20Not compared: Monthly charge, not per item	per month	None
Overdraft & NSF
Overdraft (each debit or draft paid)	$30	per item	None
Non-sufficient funds item	$30	Not stated	None
ATM & Card
Debit/ATM card replacement	$10	Not stated	None
Check Services
Official checks	$5	Not stated	None
Stop payments-draft	$15	Not stated	None
Copy of draft (first two draft copies free)	$5	Not stated	None
Cash & Deposit
Deposited checks returned unpaid .	$30	Not stated	None
Account Services
Garnishments/Executions/Levies	$30	Not stated	None
Verification of deposit fee	$5	Not stated	None
Lending Fees
Loan payment late fee 10 days after due date	$20	Not stated	None
Loan cancellation fee	$25	Not stated	None
Retirement & IRA
IRA custodial fee	$10	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

Feb 17, 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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