Bay Area Federal Credit Union

Headquarters: Oregon, Ohio
Charter: Credit Union
Assets: $107.9M
Fed district: Cleveland

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

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

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Bay Area Federal Credit Union: $30
Bay Area Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Bay Area Federal Credit Union: $30
Bay Area Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Bay Area Federal Credit Union: $1
Bay Area Federal Credit Union: $1
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 Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Closed Membership/Re-established within 12 months$25
Account Research/Reconciliaon (per hour/1hr min.)$25
Not compared: Charged per hour; comparison unavailable
per hour
Wealth Builder Account Early/Excess Withdrawal$35
Invalid address$10

Overdraft & NSF

Courtesy Pay$30
Paid NSF Items$30
Non-Sufficient Funds (NSF)$30

ATM & Card

Foreign ATM wd/inquiries$1
per item
Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Outgoing (Domesc)$25
Wire Transfer Outgoing (Internaonal)$50

Check Services

Official Checks$2
Reissue Official Check$25
Money Orders$2
ACH Stop Payment$30
Check Cashing$1
Check Copy$5

Cash & Deposit

Deposit Item Returned$20

Account Services

Notary Fee (per signature)$2
Drilling of Safe Deposit Box$225
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Legal Process$50

Other Fees

Fax Fee (per page)$1
Statement Copy (per page)$1

Fee	Amount	Basis	Note
Account Maintenance
Closed Membership/Re-established within 12 months	$25	Not stated	None
Account Research/Reconciliaon (per hour/1hr min.)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Wealth Builder Account Early/Excess Withdrawal	$35	Not stated	None
Invalid address	$10	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Paid NSF Items	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
ATM & Card
Foreign ATM wd/inquiries	$1	per item	None
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Outgoing (Domesc)	$25	Not stated	None
Wire Transfer Outgoing (Internaonal)	$50	Not stated	None
Check Services
Official Checks	$2	Not stated	None
Reissue Official Check	$25	Not stated	None
Money Orders	$2	Not stated	None
ACH Stop Payment	$30	Not stated	None
Check Cashing	$1	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Deposit Item Returned	$20	Not stated	None
Account Services
Notary Fee (per signature)	$2	Not stated	None
Drilling of Safe Deposit Box	$225Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process	$50	Not stated	None
Other Fees
Fax Fee (per page)	$1	Not stated	None
Statement Copy (per page)	$1	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.

Fee change alerts

Get an email when Bay Area Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.