20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 31, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Compared at $1, the middle of its prices
Cashier's Check
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from University Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour · Account Reconciliation and Research | $40.00/hr
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Close Account (within 6 months) | $25 | Not stated | None |
| Escheatment | $2 | Not stated | None |
| Inactive Account (waived for members under 18, inapplicable to savings accounts) | $10 | per month | None |
| Account Reconciliation and Research | $40Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation and Research | $40.00/hr |
| Credit Card Paper Statements | $2 | per month | None |
| Paper Statement Fee (Waived for members 65 and older) | $2 | per item | None |
| Bad Address | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $14 | per item | None |
| Overdraft Transfer from Savings (Account transfer fee) | No charge | Not stated | None |
ATM & Card | |||
| ATM Transactions - Non CO-OP Network ATMs | $2 | per item | None |
| ATM Transactions at UCU or CO-OP Network ATMs | No charge | Not stated | None |
| Card Replacement (one free per year) | $15 | per item | None |
| Card Rush Order | $50 | per item | per each |
| PIN / Card Rush Order | $50 | per item | None |
Check Services | |||
| Official Check | $5 | per item | None |
| Money Orders | $3 | per item | None |
| Temporary Checks (one set free for New Accounts) | $5 | Not stated | None |
| Check Cashing (non-member for on-us checks) | $10 | per item | None |
| Foreign Check Processing Fee | $55 | per item | None |
| Copy of Deposited Check, Cashiers Check, Paid Check, or Money Order (if available) | $10 | per item | None |
Account Services | |||
| Notary Service (free for UCU documents) | $15 | per item | None |
| Legal, Levy, or Garnishment Processing | $50 | per item | None |
| Verification of Deposit to Non-UCU Loans | $10 | per item | None |
Retirement & IRA | |||
| IRA Outgoing Account Transfer Fee | $100 | per item | None |
Other Fees | |||
| Copy of Statements or Transaction History | $1 | Not stated | None |
| Skip a Pay | $30 | Not stated | None |
per month
per month
per hour · Account Reconciliation and Research | $40.00/hr
per month
per item
per quarter
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Close Account (within 6 months) | $15 | Not stated | None |
| Close Account (within 6 months) | $25 | Not stated | None |
| Escheatment | $2 | Not stated | None |
| Inactive Account (waived for members under 18, inapplicable to savings accounts) | $10 | per month | None |
| Inactive Organizational Account | $5 | per month | None |
| Account Reconciliation and Research | $40Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation and Research | $40.00/hr |
| Credit Card Paper Statements | $2 | per month | None |
| Paper Statement Fee (Waived for members 65 and older) | $2 | per item | None |
| Bad Address | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Bad Address | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $30 | per item | None |
| Insufficient Funds/Uncollected Funds (per presentment of items returned unpaid due to insufficient funds) | $14 | per item | None |
| Overdraft Transfer from Savings (Account transfer fee) | No charge | Not stated | None |
ATM & Card | |||
| ATM Transactions - Non CO-OP Network ATMs | $2 | per item | None |
| ATM Transactions at UCU or CO-OP Network ATMs | No charge | Not stated | None |
| Card Replacement (one free per year) | $15 | per item | None |
| Card Rush Order | $50 | per item | per each |
| PIN / Card Rush Order | $50 | per item | None |
Check Services | |||
| Official Check | $5 | per item | None |
| Money Orders | $3 | per item | None |
| Temporary Checks (one set free for New Accounts) | $5 | Not stated | None |
| Check Cashing (non-member for on-us checks) | $10 | per item | None |
| Check Cashing (non-member for on-us checks) | $5 | per item | None |
| Foreign Check Processing Fee | $55 | per item | None |
| Copy of Deposited Check, Cashiers Check, Paid Check, or Money Order (if available) | $10 | per item | None |
Cash & Deposit | |||
| Returned Deposited Item | $20 | per item | None |
Account Services | |||
| Notary Service (free for UCU documents) | $15 | per item | None |
| Legal, Levy, or Garnishment Processing | $50 | per item | None |
| Verification of Deposit to Non-UCU Loans | $10 | per item | None |
Retirement & IRA | |||
| IRA Outgoing Account Transfer Fee | $100 | per item | None |
Other Fees | |||
| Copy of Statements or Transaction History | $1 | Not stated | None |
| Skip a Pay | $30 | Not stated | None |
Oct 31, 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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