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Valley Oak Federal Credit Union Fees and Fee Schedule | Fee Insight

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, under $300M

Valley Oak Federal Credit Union

Three Rivers, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Non-sufficient funds item fee daily cap (Savings)$84Below the typical range ($100–$175 nationally)

$66 below the national median

per day · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Non-sufficient funds item fee daily cap (Savings)	$84Below the typical range ($100–$175 nationally)	$66 below the national median	per day	—	Source

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Published fees

Under review

Assets

$82.2M

Status: Fees published

1 verified fee so far. Once 5 are verified, this profile gets a national-median comparison and a free competitive report.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$82.2M

Total deposits

$74.6M

Service charge income (year to date)

$118K

Fee income ratio

5.0%

Return on assets

-0.03%

Financial profile · Pro

Performance from regulator filings

Total assets

— —

Net income

— —

Return on assets

— —

Net charge-off rate

— —

Regulator

Primary regulator: NCUA
Chartered by: California Department of Financial Protection and Innovation

How we verify fees

Verified fees have cleared review and are used in Bank Fee Index benchmarks.Fees marked Under review are shown with their source for context, but stay out of benchmark scores until they clear.Financial figures come from public FDIC and NCUA call reports and are shown in whole dollars by Fee Insight.

·Methodology

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 25,267 verified fees from 2,206 institutions

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