Valley Federal Credit Union

Headquarters: Salem, Oregon
Charter: Credit Union
Assets: $118.6M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Monthly Maintenance
Elite Checking
Valley Federal Credit Union: $8
Valley Federal Credit Union: $8
U.S. median: no median
NSF / Returned Item
Valley Federal Credit Union: $25
Valley Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Valley Federal Credit Union: $20
Valley Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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

Account Maintenance

Elite Checking Monthly service charge$8
per month
Account Inactivity Fee$10
Account Reconciliation & Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee$2.50
per month

Overdraft & NSF

NSF Fee$25
per item

ATM & Card

Plastic Cards – Replacement$5
per item
Plastic Cards Rush Order$35
per item
Foreign transactions1%of the transaction

Wire Transfers

Outgoing Wire Fee$20
Incoming WireNo charge

Check Services

Credit Union Cashier’s Checks$2
per item
Stop Payment Fee$20
per item
Over-the-Counter Checks$2.50
per item
Items Sent for Collection$20
Check Copy$1.50
per item

Account Services

Legal Processing Fee (garnishments, tax levies, etc.)$50

Other Fees

Statement Copy Fee$2
Not compared: Monthly charge, not per item
per month
Skip Payment$30

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking Monthly service charge	$8	per month	None
Account Inactivity Fee	$10	Not stated	None
Account Reconciliation & Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee	$2.50	per month	None
Overdraft & NSF
NSF Fee	$25	per item	None
ATM & Card
Plastic Cards – Replacement	$5	per item	None
Plastic Cards Rush Order	$35	per item	None
Foreign transactions	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Fee	$20	Not stated	None
Incoming Wire	No charge	Not stated	None
Check Services
Credit Union Cashier’s Checks	$2	per item	None
Stop Payment Fee	$20	per item	None
Over-the-Counter Checks	$2.50	per item	None
Items Sent for Collection	$20	Not stated	None
Check Copy	$1.50	per item	None
Account Services
Legal Processing Fee (garnishments, tax levies, etc.)	$50	Not stated	None
Other Fees
Statement Copy Fee	$2Not compared: Monthly charge, not per item	per month	None
Skip Payment	$30	Not stated	None

Correct a fee source

Oct 26, 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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