Arizona Central Federal Credit Union

Headquarters: Phoenix, Arizona
Charter: Credit Union
Assets: $733.4M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 8, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Simple Checking
Arizona Central Federal Credit Union: $10
Arizona Central Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Arizona Central Federal Credit Union: $32
Arizona Central Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Arizona Central Federal Credit Union: $2
Arizona Central Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arizona, 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).
Arizona: Banks and credit unions headquartered in Arizona 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 Arizona Central Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Simple Checking Monthly Fee$10
per month
Below Minimum Balance$15
per month
Single Service/Low Balance Fee$5
per month
Escheated Membership Fee$100
Inactive Membership Fee$10
per month
Paper Statement Fee$2
per month
Undeliverable Address$10
per month

Overdraft & NSF

Non-Sufficient Funds Per Presentment$32
per item

ATM & Card

Excessive ATM Withdrawals$2
per item
Visa Rush Order$50

Wire Transfers

Outgoing Wire: Domestic$20
Outgoing Wire: Domestic-Preauthorized$15
Outgoing Wire: International$50

Check Services

Cashier's Check Payable to Others$2
Stop Payment Fee-all payment types$32
Stop Payment on Recurring Visa Transactions at select merchants$32
Check Cashing$5
Check Cashing (single service members)$5
Foreign Item Collection$30
Copy of Paid Check$15

Digital & Electronic

Online Bill PayNo charge
Zelle®No charge

Cash & Deposit

Returned Deposit: 3rd party originated$10
Returned Deposit: Member originated$50

Account Services

Legal Document Processing Fee$25
per item
Mortgage Subordination Processing Fee$225

Other Fees

Statement Copies$2
Skip A Pay (Terms Apply)$25

Fee	Amount	Basis	Note
Account Maintenance
Simple Checking Monthly Fee	$10	per month	None
Below Minimum Balance	$15	per month	None
Single Service/Low Balance Fee	$5	per month	None
Escheated Membership Fee	$100	Not stated	None
Inactive Membership Fee	$10	per month	None
Paper Statement Fee	$2	per month	None
Undeliverable Address	$10	per month	None
Overdraft & NSF
Non-Sufficient Funds Per Presentment	$32	per item	None
ATM & Card
Excessive ATM Withdrawals	$2	per item	None
Visa Rush Order	$50	Not stated	None
Wire Transfers
Outgoing Wire: Domestic	$20	Not stated	None
Outgoing Wire: Domestic-Preauthorized	$15	Not stated	None
Outgoing Wire: International	$50	Not stated	None
Check Services
Cashier's Check Payable to Others	$2	Not stated	None
Stop Payment Fee-all payment types	$32	Not stated	None
Stop Payment on Recurring Visa Transactions at select merchants	$32	Not stated	None
Check Cashing	$5	Not stated	None
Check Cashing (single service members)	$5	Not stated	None
Foreign Item Collection	$30	Not stated	None
Copy of Paid Check	$15	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Cash & Deposit
Returned Deposit: 3rd party originated	$10	Not stated	None
Returned Deposit: Member originated	$50	Not stated	None
Account Services
Legal Document Processing Fee	$25	per item	None
Mortgage Subordination Processing Fee	$225	Not stated	None
Other Fees
Statement Copies	$2	Not stated	None
Skip A Pay (Terms Apply)	$25	Not stated	None

Correct a fee source

Oct 8, 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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