Santa Cruz Community Federal Credit Union

Headquarters: Santa Cruz, California
Charter: Credit Union
Assets: $172.1M
Fed district: San Francisco

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

Source: its fee schedule, read Feb 17, 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
Second Chance Checking $5 · Power Perks Checking $6
Compared at $5.50, the middle of its prices
Santa Cruz Community Federal Credit Union: $5 to $6
Santa Cruz Community Federal Credit Union: $5 to $6
U.S. median: no median
Overdraft (OD)
Compared at $20, its standard fee, the highest of its prices
Santa Cruz Community Federal Credit Union: $14 to $20
Santa Cruz Community Federal Credit Union: $14 to $20
U.S. median: no median
NSF / Returned Item
Compared at $14.50, the middle of its prices
Santa Cruz Community Federal Credit Union: $14 to $15
Santa Cruz Community Federal Credit Union: $14 to $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Santa Cruz Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Power Perks Checking Monthly service charge (audience not stated, treated as personal)$6
per month
Second Chance Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Escheatment Notice$2
Inactive Account$5
Not compared: Annual charge, not monthly
per year
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Processing$5

Overdraft & NSF

Freedom/Courtesy Pay$20
Overdraft$14
Non-Sufficient Funds (NSF)$14
Returned Item$15
Overdraft Transfer Fee$5

ATM & Card

Foreign ATM Withdrawal$2
Debit/ ATM Replacement Card$10
Foreign Transaction (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Wire Transfer (Outgoing)$35
per item
Wire Transfer (Incoming)$10
per item
Wire Transfer (Outgoing/Foreign)$50
per item

Check Services

Cashier’s Check$6
per item
Money Order$3
per item
Stop Payment$20
per item
Stop Payment (ACH)$25
per item
Temporary Checks$5
per item
Non-Member Check Cashing$10
per item
Collection Item$15
Foreign Item Collection$50
Printed Check Copy$6
Retrieval and Copy of Paid Check$5

Cash & Deposit

Rolled Coin Processing$0.10
Cash Advance$2
Cash Advance$8
Returned Item Deposit$20

Account Services

Levy/Legal Process$100
Verification of Deposit$10

Lending Fees

Late Payment$10

Other Fees

Statement Copy$6
per item

Fee	Amount	Basis	Note
Account Maintenance
Power Perks Checking Monthly service charge (audience not stated, treated as personal)	$6	per month	None
Second Chance Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Escheatment Notice	$2	Not stated	None
Inactive Account	$5Not compared: Annual charge, not monthly	per year	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Processing	$5	Not stated	None
Overdraft & NSF
Freedom/Courtesy Pay	$20	Not stated	None
Overdraft	$14	Not stated	None
Non-Sufficient Funds (NSF)	$14	Not stated	None
Returned Item	$15	Not stated	None
Overdraft Transfer Fee	$5	Not stated	None
ATM & Card
Foreign ATM Withdrawal	$2	Not stated	None
Debit/ ATM Replacement Card	$10	Not stated	None
Foreign Transaction (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$35	per item	None
Wire Transfer (Incoming)	$10	per item	None
Wire Transfer (Outgoing/Foreign)	$50	per item	None
Check Services
Cashier’s Check	$6	per item	None
Money Order	$3	per item	None
Stop Payment	$20	per item	None
Stop Payment (ACH)	$25	per item	None
Temporary Checks	$5	per item	None
Non-Member Check Cashing	$10	per item	None
Collection Item	$15	Not stated	None
Foreign Item Collection	$50	Not stated	None
Printed Check Copy	$6	Not stated	None
Retrieval and Copy of Paid Check	$5	Not stated	None
Cash & Deposit
Rolled Coin Processing	$0.10	Not stated	None
Cash Advance	$2	Not stated	None
Cash Advance	$8	Not stated	None
Returned Item Deposit	$20	Not stated	None
Account Services
Levy/Legal Process	$100	Not stated	None
Verification of Deposit	$10	Not stated	None
Lending Fees
Late Payment	$10	Not stated	None
Other Fees
Statement Copy	$6	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Feb 17, 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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