Sacramento Federal Credit Union

Headquarters: Sacramento, California
Charter: Credit Union
Assets: $858.3M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

NSF / Returned Item
Sacramento Federal Credit Union: $10
Sacramento Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Sacramento Federal Credit Union: $1
Sacramento Federal Credit Union: $1
U.S. median: no median
OD Protection Transfer
Sacramento Federal Credit Union: No fee
Sacramento 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 15, 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 Sacramento Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Research (minimum 1 hour)$30
Not compared: Monthly charge, not per item
per month

Overdraft & NSF

NSF Return Fee$10
per item
Overdraft Transfer Savings to CheckingNo charge

ATM & Card

Out-of-Network ATMs$1
per item
International Transaction Fee2%of the transaction
per transaction

Check Services

PRIMARY SAVINGS ACCOUNT: Collection Item – Incoming / Outgoing$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research (minimum 1 hour)	$30Not compared: Monthly charge, not per item	per month	None
Overdraft & NSF
NSF Return Fee	$10	per item	None
Overdraft Transfer Savings to Checking	No charge	Not stated	None
ATM & Card
Out-of-Network ATMs	$1	per item	None
International Transaction Fee	2%of the transaction	per transaction	None
Check Services
PRIMARY SAVINGS ACCOUNT: Collection Item – Incoming / Outgoing	$20	per item	None

Account Maintenance

Monthly Maintenance FeeNo charge
per month
Monthly Maintenance Fee$5
per month
Monthly Maintenance Fee$2
per month
Escheat Account Fee$2
Paper Statement$3
per month

ATM & Card

Express Delivery for Replacement Card$25
one time · One free replacement card per cardholder every six months. Fee does not apply to cards replaced due to fraud, compromise, or stolen
International Transaction Free2%of the transaction
per transaction

Wire Transfers

Wire Transfer Outgoing – Domestic$35
per item
Wire Transfer Outgoing – International$45
per item

Check Services

Corporate / Cashier’s Checks 5 free then$5
per item
Stop Payment (Check, ACH, Cashier’s/Corporate Check)$27

Account Services

Notary (non-SCU documents) .. 1No charge
Levy, garnishment, or other legal process$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	No charge	per month	None
Monthly Maintenance Fee	$5	per month	None
Monthly Maintenance Fee	$2	per month	None
Escheat Account Fee	$2	Not stated	None
Paper Statement	$3	per month	None
ATM & Card
Express Delivery for Replacement Card	$25	one time	One free replacement card per cardholder every six months. Fee does not apply to cards replaced due to fraud, compromise, or stolen
International Transaction Free	2%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Outgoing – Domestic	$35	per item	None
Wire Transfer Outgoing – International	$45	per item	None
Check Services
Corporate / Cashier’s Checks 5 free then	$5	per item	None
Stop Payment (Check, ACH, Cashier’s/Corporate Check)	$27	Not stated	None
Account Services
Notary (non-SCU documents) .. 1	No charge	Not stated	None
Levy, garnishment, or other legal process	$35	Not stated	None

Correct a fee source

Oct 15, 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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Fees against the market

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

NSF / Returned Item
Sacramento Federal Credit Union: $10
Sacramento Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Sacramento Federal Credit Union: $1
Sacramento Federal Credit Union: $1
U.S. median: no median
OD Protection Transfer
Sacramento Federal Credit Union: No fee
Sacramento 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 15, 2026View sources

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.

Published fee schedule

Amounts from Sacramento Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Research (minimum 1 hour)$30
Not compared: Monthly charge, not per item
per month

Overdraft & NSF

NSF Return Fee$10
per item
Overdraft Transfer Savings to CheckingNo charge

ATM & Card

Out-of-Network ATMs$1
per item
International Transaction Fee2%of the transaction
per transaction

Check Services

PRIMARY SAVINGS ACCOUNT: Collection Item – Incoming / Outgoing$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research (minimum 1 hour)	$30Not compared: Monthly charge, not per item	per month	None
Overdraft & NSF
NSF Return Fee	$10	per item	None
Overdraft Transfer Savings to Checking	No charge	Not stated	None
ATM & Card
Out-of-Network ATMs	$1	per item	None
International Transaction Fee	2%of the transaction	per transaction	None
Check Services
PRIMARY SAVINGS ACCOUNT: Collection Item – Incoming / Outgoing	$20	per item	None

Account Maintenance

Monthly Maintenance FeeNo charge
per month
Monthly Maintenance Fee$5
per month
Monthly Maintenance Fee$2
per month
Escheat Account Fee$2
Paper Statement$3
per month

ATM & Card

Express Delivery for Replacement Card$25
one time · One free replacement card per cardholder every six months. Fee does not apply to cards replaced due to fraud, compromise, or stolen
International Transaction Free2%of the transaction
per transaction

Wire Transfers

Wire Transfer Outgoing – Domestic$35
per item
Wire Transfer Outgoing – International$45
per item

Check Services

Corporate / Cashier’s Checks 5 free then$5
per item
Stop Payment (Check, ACH, Cashier’s/Corporate Check)$27

Account Services

Notary (non-SCU documents) .. 1No charge
Levy, garnishment, or other legal process$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	No charge	per month	None
Monthly Maintenance Fee	$5	per month	None
Monthly Maintenance Fee	$2	per month	None
Escheat Account Fee	$2	Not stated	None
Paper Statement	$3	per month	None
ATM & Card
Express Delivery for Replacement Card	$25	one time	One free replacement card per cardholder every six months. Fee does not apply to cards replaced due to fraud, compromise, or stolen
International Transaction Free	2%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Outgoing – Domestic	$35	per item	None
Wire Transfer Outgoing – International	$45	per item	None
Check Services
Corporate / Cashier’s Checks 5 free then	$5	per item	None
Stop Payment (Check, ACH, Cashier’s/Corporate Check)	$27	Not stated	None
Account Services
Notary (non-SCU documents) .. 1	No charge	Not stated	None
Levy, garnishment, or other legal process	$35	Not stated	None

Correct a fee source

Oct 15, 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.