Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Oneaz Federal Credit Union

Phoenix, ArizonaCredit UnionDallas Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation (1/4 hour minimum) …………………………………………………………………………………………$15Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=account_research; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Account Reconciliation (1/4 hour minimum) ………………………………………………………………………………………….. $15.00 per hour" · Source

Dormant Account Fee (after no activity for 36 months) Assessed at the Individual Account Level ………………………………$20

$15 above the national median

Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=dormant_account; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Dormant Account Fee (after no activity for 36 months) Assessed at the Individual Account Level ……………………………… $20.00" · Source

Money Market Minimum Balance Fee………………………………………………………………………………………………….$10

$4 above the national median

per month · Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=minimum_balance; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Money Market Minimum Balance Fee…………………………………………………………………………………………………. $10.00 per month" · Source

Overdraft & NSFVerified

Outgoing Bill Payment (non-sufficient funds) ……………………..………………………………………………………………….$25Within the typical range ($15–$32 nationally)
$3 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=nsf; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Outgoing Bill Payment (non-sufficient funds) ……………………..…………………………………………………………………. | $25.00 per item/stop" · Source

ATM & CardVerified

Non-Network ATM Fee (5th & subsequent) …………………………………$2Within the typical range ($1–$3.93 nationally)
At the national median
per transaction · Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=atm_non_network; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Non-Network ATM Fee (5th & subsequent) ………………………………….............................................................................. $2.00 per transaction" · Source

Wire TransfersVerified

Incoming Domestic Wire Transfer ……………………………………………………………………………………………………$10Within the typical range ($10–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=wire_domestic_incoming; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Incoming Domestic Wire Transfer …………………………………………………………………………………………………….. $10.00 per wire" · Source
Incoming Foreign Wire Transfer (U.S. currency) ……………………………………………………………………………………$10Within the typical range ($10–$15 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=wire_intl_incoming; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Incoming Foreign Wire Transfer (U.S. currency) …………………………………………………………………………………….. $10.00 per wire" · Source
Outgoing Domestic Wire Transfer ……………………………………………………………………………………………………$20Within the typical range ($20–$25 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=wire_domestic_outgoing; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Outgoing Domestic Wire Transfer …………………………………………………………………………………………………….. $20.00 per wire" · Source
Outgoing Foreign Wire Transfer ………………………………………………………………………………………………………$35Within the typical range ($35–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=wire_intl_outgoing; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Outgoing Foreign Wire Transfer ……………………………………………………………………………………………………….. $35.00 per wire" · Source

Check ServicesVerified

Check Cashing Fee ……………………………………………………………………………………………………………………$10Within the typical range ($5–$25 nationally)
$2 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=check_cashing; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Check Cashing Fee ……………………………………………………………………………………………………………………... $10.00 per item" · Source
Stop Payment Fee (Checks – per item or range and other electronic payment methods) ……………………………………….$25Within the typical range ($20–$30 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=stop_payment; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Stop Payment Fee (Checks – per item or range and other electronic payment methods) ………………………………………. $25.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation (1/4 hour minimum) …………………………………………………………………………………………	$15Within the typical range ($15–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=account_research; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Account Reconciliation (1/4 hour minimum) ………………………………………………………………………………………….. $15.00 per hour"	Source
Dormant Account Fee (after no activity for 36 months) Assessed at the Individual Account Level ………………………………	$20Above the typical range ($5–$10 nationally)	$15 above the national median	—	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=dormant_account; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Dormant Account Fee (after no activity for 36 months) Assessed at the Individual Account Level ……………………………… $20.00"	Source
Money Market Minimum Balance Fee………………………………………………………………………………………………….	$10Within the typical range ($5–$15 nationally)	$4 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=minimum_balance; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Money Market Minimum Balance Fee…………………………………………………………………………………………………. $10.00 per month"	Source
Overdraft & NSFVerified
Outgoing Bill Payment (non-sufficient funds) ……………………..………………………………………………………………….	$25Within the typical range ($15–$32 nationally)	$3 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=nsf; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Outgoing Bill Payment (non-sufficient funds) ……………………..…………………………………………………………………. \| $25.00 per item/stop"	Source
ATM & CardVerified
Non-Network ATM Fee (5th & subsequent) …………………………………	$2Within the typical range ($1–$3.93 nationally)	At the national median	per transaction	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=atm_non_network; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Non-Network ATM Fee (5th & subsequent) ………………………………….............................................................................. $2.00 per transaction"	Source
Wire TransfersVerified
Incoming Domestic Wire Transfer ……………………………………………………………………………………………………	$10Within the typical range ($10–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=wire_domestic_incoming; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Incoming Domestic Wire Transfer …………………………………………………………………………………………………….. $10.00 per wire"	Source

Check ServicesVerified
Check Cashing Fee ……………………………………………………………………………………………………………………	$10Within the typical range ($5–$25 nationally)	$2 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1124. canonical_hint=check_cashing; text_hash=723c1358b17cf6bf15ac472ae193fa3e58a7f0814d72f20705590171f08b0dd8; excerpt="Check Cashing Fee ……………………………………………………………………………………………………………………... $10.00 per item"	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.

NSF fee: $25

11% below the national median NSF fee

Total fees: 11 — leaner than most institutions

Verified fees

Under review

Assets

$4.5B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$4.5B

Total deposits

$4.0B

Service charge income (year to date)

$10.0M

Fee income ratio

7.3%

Return on assets

1.16%

Financial profile · Pro

Performance from regulator filings

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

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