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

Monterra Federal Credit Union

Redwood City, CaliforniaCredit UnionSan Francisco Fed districtFees collected Feb 17, 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

New Start Checking Monthly service charge$10Within the typical range ($4–$10 nationally)

$4 above the national median$4.50 above the California median

Dormancy Charge$5

At the national median$1.50 above the California median

per month · Source

Invalid Address (failure to notify of address change)$5

$12.50 below the national median$15 below the California median

per item · Source

Research & Reconciliation of Account$25

$7.50 above the national median$5 above the California median

Source

Overdraft & NSFVerified

Fondos insuficientes (NSF) por presentación$14Below the typical range ($25–$32 nationally)
$16 below the national median$9 below the California median
Source

ATM & CardVerified

ATM Withdrawal— Non-Monterra ATM Network$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the California median
Source
Additional/Replacement card$10Within the typical range ($5–$10 nationally)
At the national medianAt the California median
Source

Wire TransfersVerified

Fed Wire Transfer: Domestic (Outgoing)$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the California median
Source
Outgoing Domestic Wire Transfers$0Below the typical range ($20–$25 nationally)
$25 below the national median$25 below the California median
Source
Fed Wire Transfer: Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median$10 below the California median
Source
Fed Wire Transfer: International (Outgoing)$45Within the typical range ($40–$50 nationally)
$5 below the national medianAt the California median
Source

Check ServicesVerified

Cashier’s Check$0Below the typical range ($3–$6 nationally)
$5 below the national median$5 below the California median
Source
Cashier’s Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the California median
Source
Money Order$0Below the typical range ($1.50–$3 nationally)
$2 below the national median$3 below the California median
Source
Money Order$1.50Within the typical range ($1.50–$3 nationally)
$0.50 below the national median$1.50 below the California median
Source
Stop Payment (ACH, Bill Pay, Check, Money Order)$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2.50 above the California median
Source
Temporary checks–ONE (1) sheet (checking and HELOC accounts only)$4Within the typical range ($1–$4 nationally)
$2 above the national median$1 above the California median
Source
Check Cashing Charge—Members with a savings account only with less than $150 balance, cashing a non-Monterra check$4Below the typical range ($5–$10 nationally)
$1 below the national median$1.50 below the California median
Source
Collection Item (Foreign or domestic)$30Above the typical range ($10–$25 nationally)
$10 above the national median$10 above the California median
Source

Digital & ElectronicVerified

Mobile Deposit Adjustment$4Above the typical range ($0–$0 nationally)
$4 above the national median$2.75 above the California median
Source

Cash & DepositVerified

Returned Deposit Item (RDI)$10Within the typical range ($8–$25 nationally)
$5 below the national median$8 below the California median
Source

Account ServicesVerified

Legal Processing (e.g. levy, subpoena, garnishment, etc.)$50Within the typical range ($30–$90 nationally)
At the national median$5 above the California median
per item · Source
Legal Processing$50Within the typical range ($30–$100 nationally)
At the national medianAt the California median
per item · Source

Retirement & IRAVerified

IRA Closure$35Within the typical range ($25–$35 nationally)
$10 above the national median$10 above the California median
Source

Gift & Prepaid CardsVerified

Visa Gift Cards$0Below the typical range ($3–$4.95 nationally)
$3.50 below the national median$3.50 below the California median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
New Start Checking Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$4.50 above the California median	per month	—	Source
Dormancy Charge	$5Within the typical range ($5–$10 nationally)	At the national median$1.50 above the California median	per month	—	Source
Invalid Address (failure to notify of address change)	$5Below the typical range ($11–$25 nationally)	$12.50 below the national median$15 below the California median	per item	—	Source
Research & Reconciliation of Account	$25Within the typical range ($11–$25 nationally)	$7.50 above the national median$5 above the California median	—	—	Source
Overdraft & NSFVerified
Fondos insuficientes (NSF) por presentación	$14Below the typical range ($25–$32 nationally)	$16 below the national median$9 below the California median	—	—	Source
ATM & CardVerified
ATM Withdrawal— Non-Monterra ATM Network	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the California median	—	—	Source
Additional/Replacement card	$10
Wire TransfersVerified
Fed Wire Transfer: Domestic (Outgoing)	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the California median	—	—	Source
Outgoing Domestic Wire Transfers	$0
Check ServicesVerified
Cashier’s Check	$0Below the typical range ($3–$6 nationally)	$5 below the national median$5 below the California median	—	—	Source
Cashier’s Check	$5
Digital & ElectronicVerified
Mobile Deposit Adjustment	$4Above the typical range ($0–$0 nationally)	$4 above the national median$2.75 above the California median	—	—	Source
Cash & DepositVerified
Returned Deposit Item (RDI)	$10Within the typical range ($8–$25 nationally)	$5 below the national median$8 below the California median	—	—	Source
Account ServicesVerified
Legal Processing (e.g. levy, subpoena, garnishment, etc.)	$50Within the typical range ($30–$90 nationally)	At the national median$5 above the California median	per item	—	Source
Legal Processing	$50
Retirement & IRAVerified
IRA Closure	$35Within the typical range ($25–$35 nationally)	$10 above the national median$10 above the California median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Cards	$0Below the typical range ($3–$4.95 nationally)	$3.50 below the national median$3.50 below the California median	—	—	Source

Against California credit unions

Monthly maintenance
$10.00
Of 54 others that publish it, 41 lower, 6 the same and 7 higher.

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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.

NSF fee: $14

53% below the national median NSF fee

25 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$1.9B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.9B

Total deposits

$1.7B

Service charge income (year to date)

$1.6M

Fee income ratio

3.0%

Return on assets

0.97%

Financial profile · Pro

Performance from regulator filings

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