Safe 1 Federal Credit Union

Headquarters: Bakersfield, California
Charter: Credit Union
Assets: $1.2B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Safe 1 Federal Credit Union: $14 to $30
Safe 1 Federal Credit Union: $14 to $30
U.S. median: no median
NSF / Returned Item
Safe 1 Federal Credit Union: $14
Safe 1 Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Safe 1 Federal Credit Union: No fee
Safe 1 Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 Safe 1 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closed within 90 Days$5
Dormant/Inactive Account$5
per month
Escheat Notice$2
Reconcilement (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour · Reconcilement (per hour) | $10.00
Transaction Research (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour · Transaction Research (per hour) | $10.00
Returned Mail$5

Overdraft & NSF

Courtesy Pay$14
per item
Courtesy Pay program fee$30
Returned Item (Non-Sufficient Funds - NSF)$14
per item
Overdraft Transfer$5
Courtesy Pay Daily Cap (audience not stated, treated as personal)$84
per day · daily maximum
Returned Item (NSF) Daily Cap (audience not stated, treated as personal)$84
per day · daily maximum

ATM & Card

Co-Op ATM WithdrawalNo charge
Card Replacement Fee$5

Wire Transfers

Wire Transfer - Outgoing$25
Wire Transfer - Incoming$10

Check Services

Cashier's Check$5
Official Check$3
Stop Payment Order$25
Stop Payment Order (including Zelle)$20
Temporary Checks$2
per item · includes 4 checks
Foreign or Collection Item$25
Copy of Paid Item$3
Copy of Paid Item$2

Cash & Deposit

Cash Advance for Non-Safe 1 Cards$10

Account Services

Mortgage Subordination$100
Processing Legal Documents$10

Other Fees

Statement Copy (first two free)$1.50
Consumer Loan Extension/Skip Payment$25
Returned Item$30

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 Days	$5	Not stated	None
Dormant/Inactive Account	$5	per month	None
Escheat Notice	$2	Not stated	None
Reconcilement (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	Reconcilement (per hour) \| $10.00
Transaction Research (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	Transaction Research (per hour) \| $10.00
Returned Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$14	per item	None
Courtesy Pay program fee	$30	Not stated	None
Returned Item (Non-Sufficient Funds - NSF)	$14	per item	None
Overdraft Transfer	$5	Not stated	None
Courtesy Pay Daily Cap (audience not stated, treated as personal)	$84	per day	daily maximum
Returned Item (NSF) Daily Cap (audience not stated, treated as personal)	$84	per day	daily maximum
ATM & Card
Co-Op ATM Withdrawal	No charge	Not stated	None
Card Replacement Fee	$5	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$25	Not stated	None
Wire Transfer - Incoming	$10	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Official Check	$3	Not stated	None
Stop Payment Order	$25	Not stated	None
Stop Payment Order (including Zelle)	$20	Not stated	None
Temporary Checks	$2	per item	includes 4 checks
Foreign or Collection Item	$25	Not stated	None
Copy of Paid Item	$3	Not stated	None
Copy of Paid Item	$2	Not stated	None
Cash & Deposit
Cash Advance for Non-Safe 1 Cards	$10	Not stated	None
Account Services
Mortgage Subordination	$100	Not stated	None
Processing Legal Documents	$10	Not stated	None
Other Fees
Statement Copy (first two free)	$1.50	Not stated	None
Consumer Loan Extension/Skip Payment	$25	Not stated	None
Returned Item	$30	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

Oct 26, 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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