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

Oneaz Federal Credit Union

Phoenix, ArizonaCredit UnionSan Francisco Fed districtFees collected Oct 6, 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

monthly maintenance fee$5Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay Overdraft Fee (5 maximum per day) …………………………………………………………………………………$29Within the typical range ($25–$33 nationally)
$1 below the national median$1 below the Arizona median
per item · Source
Outgoing Bill Payment (non-sufficient funds)$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Arizona median
per item · Source

Wire TransfersVerified

Outgoing Domestic Wire Transfer ……………………………………………………………………………………………………$20Within the typical range ($20–$25 nationally)
$5 below the national medianAt the Arizona median
per item · Source
Incoming Domestic Wire Transfer ……………………………………………………………………………………………………$10Within the typical range ($5–$15 nationally)
At the national medianAt the Arizona median
per item · Source
Outgoing Foreign Wire Transfer ………………………………………………………………………………………………………$35Below the typical range ($40–$50 nationally)
$15 below the national median$10 below the Arizona median
per item · Source
Incoming Foreign Wire Transfer (U.S. currency) ……………………………………………………………………………………$10Within the typical range ($10–$25 nationally)
$10 below the national median
per item · Source

Check ServicesVerified

Official Check (waived for Benefits Checking and Premium Checking Accounts)$5Within the typical range ($3–$6 nationally)
At the national medianAt the Arizona median
per item · Source
Stop Payment Fee (Checks – per item or range and other electronic payment methods) ……………………………………….$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the Arizona median
per item · Source
Check Cashing Fee ……………………………………………………………………………………………………………………$10Within the typical range ($5–$10 nationally)
$5 above the national median$5 above the Arizona median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
monthly maintenance fee	$5Within the typical range ($4–$10 nationally)	$1 below the national median$2.48 below the Arizona median	per month	—	Source
Premium Checking Monthly service charge	$12Above the typical range ($4–$10 nationally)	$6 above the national median$4.52 above the Arizona median	per month	—	Source
Money Market Minimum Balance Fee………………………………………………………………………………………………….	$10Within the typical range ($5–$10 nationally)	$3 above the national medianAt the Arizona median	per month	—	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$10 above the Arizona median	—	—	Source
Account Reconciliation (1/4 hour minimum) …………………………………………………………………………………………	$15Within the typical range ($12–$25 nationally)	$2.50 below the national medianAt the Arizona median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Overdraft Fee (5 maximum per day) …………………………………………………………………………………	$29Within the typical range ($25–$33 nationally)	$1 below the national median$1 below the Arizona median	per item	—	Source
Outgoing Bill Payment (non-sufficient funds)	$25
ATM & CardVerified
Non-Network ATM Fee (5th & subsequent) …………………………………	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the Arizona median	per transaction	—	Source
Wire TransfersVerified
Outgoing Domestic Wire Transfer ……………………………………………………………………………………………………	$20Within the typical range ($20–$25 nationally)	$5 below the national medianAt the Arizona median	per item	—	Source
Incoming Domestic Wire Transfer ……………………………………………………………………………………………………	$10
Check ServicesVerified
Official Check (waived for Benefits Checking and Premium Checking Accounts)	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Arizona median	per item	—	Source
Stop Payment Fee (Checks – per item or range and other electronic payment methods) ……………………………………….	$25
Cash & DepositVerified
Coinstar© Fee	5%	—	—	—	Source
Account ServicesVerified
Legal Processing (1/4 hour minimum)	$20Below the typical range ($30–$100 nationally)	$30 below the national median$22.50 below the Arizona median	—	—	Source

Against San Francisco Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$29.00
Of 187 others that publish it, 125 lower, 16 the same and 46 higher.
Monthly maintenance
$8.50
Of 144 others that publish it, 111 lower and 33 higher.

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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

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Based on 65,408 published fee entries from 3,595 institutions

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