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, $300M to $1B

Community First Federal Credit Union

Santa Rosa, CaliforniaCredit 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

Research Fee$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay (CPay)$14Below the typical range ($25–$32 nationally)
$16 below the national median
Source
Non-Sufficient Funds (NSF)$14Below the typical range ($25–$31.50 nationally)
$16 below the national median
Source

ATM & CardVerified

Replacement Card$10Within the typical range ($5–$10 nationally)
At the national median
Source
RUSH Replacement Card$75Above the typical range ($30–$50 nationally)
$35 above the national median
Source

Check ServicesVerified

Cashier’s Check$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Money Order$3Within the typical range ($1.59–$3 nationally)
$1 above the national median
Source
NOTARY & MEDALLION (PER SIGNATURE) On-Us Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
per transaction · Source
Temporary Checks$2Within the typical range ($1–$4 nationally)
At the national median
Source

Account ServicesVerified

10x10$125Above the typical range ($25–$80 nationally)
$80 above the national median
Source
2x5$20Below the typical range ($25–$80 nationally)
$25 below the national median
Source
3x10$45Within the typical range ($25–$80 nationally)
At the national median
Source
3x5$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
5x10$75Within the typical range ($25–$80 nationally)
$30 above the national median
Source
5x5$40Within the typical range ($25–$80 nationally)
$5 below the national median
Source
7x10$100Above the typical range ($25–$80 nationally)
$55 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay (CPay)	$14Below the typical range ($25–$32 nationally)	$16 below the national median	—	—	Source
Non-Sufficient Funds (NSF)	$14
ATM & CardVerified
Replacement Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
RUSH Replacement Card	$75
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Money Order	$3
Cash & DepositVerified
Returned Deposit / Loan Payment	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
10x10	$125Above the typical range ($25–$80 nationally)	$80 above the national median	—	—	Source
2x5	$20

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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

Total fees: 17 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$921.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$921.0M

Total deposits

$813.4M

Service charge income (year to date)

$1.9M

Fee income ratio

6.8%

Return on assets

1.15%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 39,720 published fee entries from 2,775 institutions

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