Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Regional credit union, $10B to $50B

The Golden 1 Federal Credit Union

Sacramento, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 9, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Escheat Notice$2Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$14Below the typical range ($25–$33 nationally)
$16 below the national median$11 below the California median
per item · Source
Insufficient Funds$0Below the typical range ($25–$32 nationally)
$30 below the national median$23 below the California median
Source
Overdraft Protection (from savings)$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$3 below the California median
Source

Check ServicesVerified

Cashier’s Checks$6Within the typical range ($3–$6 nationally)
$1 above the national median$1 above the California median
per item · Source
Money Orders$5Above the typical range ($1.50–$3 nationally)
$3 above the national median$2 above the California median
per item · Source
Stop Payment Fee for lost/stolen checks$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 above the California median
per item · Source
Check Cashing Fee (non-member)$10Within the typical range ($5–$10 nationally)
$5 above the national median$4.50 above the California median
per item · Source
Collection Item (Domestic) (sent or received)$15Within the typical range ($10–$25 nationally)
$5 below the national median$5 below the California median
Source
Collection Item (Foreign) (sent or received)$20Within the typical range ($10–$25 nationally)
At the national medianAt the California median
Source

Account ServicesVerified

CHECKING ACCOUNTS: Levy or Garnishment 6$35Within the typical range ($30–$90 nationally)
$15 below the national median$10 below the California median
per item · Source
Verification of Deposit$0Below the typical range ($5–$15 nationally)
$10 below the national median$10 below the California median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Escheat Notice	$2Below the typical range ($5–$10 nationally)	$3 below the national median$1.50 below the California median	—	—	Source
Account Reconciliation Research	$20Within the typical range ($11–$25 nationally)	$2.50 above the national medianAt the California median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$14Below the typical range ($25–$33 nationally)	$16 below the national median$11 below the California median	per item	—	Source
Insufficient Funds	$0
ATM & CardVerified
ATM SERVICES10: Withdrawals/Transfers	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the California median	per transaction	—	Source
Check ServicesVerified
Cashier’s Checks	$6Within the typical range ($3–$6 nationally)	$1 above the national median$1 above the California median	per item	—	Source
Money Orders	$5
Digital & ElectronicVerified
Online Bill Payment Service	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$5 below the California median	—	—	Source
Cash & DepositVerified
Coinstar Coin Machine	5%	—	—	—	Source
Account ServicesVerified
CHECKING ACCOUNTS: Levy or Garnishment 6	$35Within the typical range ($30–$90 nationally)	$15 below the national median$10 below the California median	per item	—	Source
Verification of Deposit	$0

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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

$14

Overdraft fee: $14

53% below the national median overdraft fee

15 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$22.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$22.2B

Total deposits

$19.9B

Service charge income (year to date)

$16.3M

Fee income ratio

2.8%

Return on assets

0.52%

Financial profile · Pro

Performance from regulator filings

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