Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

Arizona Central Federal Credit Union

Phoenix, ArizonaCredit UnionDallas Fed districtFees collected Mar 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Inactive Membership Fee$10Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=dormant_account; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Inactive Membership Fee $10.00/Month at select merchants $32.00" · Source

Quik Money Card Monthly Fee$5

$1.13 below the national median

per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=monthly_maintenance; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Quik Money Card Monthly Fee $5.00 Check Cashing $5.00" · Source

Simple Checking Monthly Fee$10

$3.87 above the national median

per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=monthly_maintenance; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Simple Checking Monthly Fee $10.00 Online Services" · Source

Single Service/Low Balance Fee$5

$1 below the national median

per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=minimum_balance; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Single Service/Low Balance Fee $5.00/Month Check Cashing (single service members) $5.00" · Source

Overdraft & NSFVerified

Non-Sufficient Funds Per Presentment$32Within the typical range ($25–$32 nationally)
$3 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=nsf; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Non-Sufficient Funds Per Presentment* $32.00" · Source

ATM & CardVerified

Excessive ATM Withdrawals$2Within the typical range ($1–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=atm_non_network; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Excessive ATM Withdrawals $2.00/withdrawal Skip A Pay (Terms Apply) $25.00" · Source

Check ServicesVerified

/Month Check Cashing (single service members)$5Within the typical range ($5–$10 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=check_cashing; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Single Service/Low Balance Fee $5.00/Month Check Cashing (single service members) $5.00" · Source
/Month Copy of Paid Check$15Above the typical range ($2–$5 nationally)
$12 above the national median
per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=check_image; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Below Minimum Balance $15.00/Month Copy of Paid Check $15.00" · Source
/occurrence Stop Payment Fee-all payment types$32Above the typical range ($20–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=stop_payment; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Membership Reopen Fee $25.00/occurrence Stop Payment Fee-all payment types $32.00" · Source
Cashier's Check Payable to Others$2Below the typical range ($3–$6 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=cashiers_check; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Cashier's Check Payable to Others $2.00" · Source

Cash & DepositVerified

Returned Deposit Paper Statement Fee$2Below the typical range ($9.50–$25 nationally)
$13 below the national median
per month · Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=deposited_item_return; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Returned Deposit Paper Statement Fee $2.00/month" · Source

Account ServicesVerified

Expedited Auto Lien Release$25Within the typical range ($25–$100 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=legal_process; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Courtesy Pay 15% of transaction amount Expedited Auto Lien Release $25.00" · Source
Mortgage Subordination Processing Fee$225Above the typical range ($25–$100 nationally)
$175 above the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=legal_process; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="| Mortgage Subordination Processing Fee $225.00" · Source

Lending FeesVerified

/withdrawal Skip A Pay (Terms Apply)$25Within the typical range ($15–$26.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=late_payment; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Excessive ATM Withdrawals $2.00/withdrawal Skip A Pay (Terms Apply) $25.00" · Source

Other FeesVerified

3rd party originated$10Above the typical range ($2–$5 nationally)
$7 above the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=document_reproduction; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="3rd party originated $10.00 Statement Copies $2.00/stmnt" · Source
Statement Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=document_reproduction; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="3rd party originated $10.00 Statement Copies $2.00/stmnt" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Membership Fee	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=dormant_account; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Inactive Membership Fee $10.00/Month at select merchants $32.00"	Source
Quik Money Card Monthly Fee	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=monthly_maintenance; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Quik Money Card Monthly Fee $5.00 Check Cashing $5.00"	Source
Simple Checking Monthly Fee	$10Within the typical range ($4–$12.63 nationally)	$3.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=monthly_maintenance; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Simple Checking Monthly Fee $10.00 Online Services"	Source
Single Service/Low Balance Fee	$5Within the typical range ($5–$12.25 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=minimum_balance; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Single Service/Low Balance Fee $5.00/Month Check Cashing (single service members) $5.00"	Source
Overdraft & NSFVerified
Non-Sufficient Funds Per Presentment	$32Within the typical range ($25–$32 nationally)	$3 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=nsf; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Non-Sufficient Funds Per Presentment* $32.00"	Source
ATM & CardVerified
Excessive ATM Withdrawals	$2Within the typical range ($1–$3 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=atm_non_network; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Excessive ATM Withdrawals $2.00/withdrawal Skip A Pay (Terms Apply) $25.00"	Source
Check ServicesVerified
/Month Check Cashing (single service members)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=check_cashing; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Single Service/Low Balance Fee $5.00/Month Check Cashing (single service members) $5.00"	Source

Cash & DepositVerified
Returned Deposit Paper Statement Fee	$2Below the typical range ($9.50–$25 nationally)	$13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=deposited_item_return; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Returned Deposit Paper Statement Fee $2.00/month"	Source
Account ServicesVerified
Expedited Auto Lien Release	$25Within the typical range ($25–$100 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=legal_process; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Courtesy Pay 15% of transaction amount Expedited Auto Lien Release $25.00"	Source

Lending FeesVerified
/withdrawal Skip A Pay (Terms Apply)	$25Within the typical range ($15–$26.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=late_payment; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="Excessive ATM Withdrawals $2.00/withdrawal Skip A Pay (Terms Apply) $25.00"	Source
Other FeesVerified
3rd party originated	$10Above the typical range ($2–$5 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #1136. canonical_hint=document_reproduction; text_hash=e09d998cf9b715086d69ba23d46d0b5f9eacfcdc99812c5ab95f96b68d34bd42; excerpt="3rd party originated $10.00 Statement Copies $2.00/stmnt"	Source
Statement Copies

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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: $32

10% above the national median NSF fee

Total fees: 16 — leaner than most institutions

Verified fees

Under review

Assets

$733.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$733.4M

Total deposits

$648.0M

Service charge income (year to date)

$2.1M

Fee income ratio

8.8%

Return on assets

0.51%

Financial profile · Pro

Performance from regulator filings

/Month Copy of Paid Check

Mortgage Subordination Processing Fee

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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