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

Upward Federal Credit Union

Burlingame, CaliforniaCredit UnionSan Francisco Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation/Research (min. 1 hour)$30Above the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=account_research; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Account Reconciliation/Research (min. 1 hour) | $30/hr" · Source

Monthly Service Charge$0

$5.99 below the national median

per month · Knox read a free fee from Rosetta artifact #6756. canonical_hint=monthly_maintenance; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Monthly Service Charge | None" · Source

Monthly Service Fee$10

$4.01 above the national median

per month · Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=monthly_maintenance; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Monthly Service Fee | $10" · Source

Overdraft & NSFVerified

Courtesy Pay for non-sufficient or Uncollected Funds$14Below the typical range ($25–$31 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=overdraft; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Courtesy Pay for non-sufficient or Uncollected Funds | $14" · Source
Non-sufficient Funds Fee for returned/uncollected Checks/Electronic Withdrawals$14Below the typical range ($25–$31 nationally)
$16 below the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=nsf; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Non-sufficient Funds Fee for returned/uncollected Checks/Electronic Withdrawals | $14" · Source

ATM & CardVerified

Replacement Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=card_replacement; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Replacement Card | $15" · Source

Wire TransfersVerified

Wire Services: Incoming$10Within the typical range ($5–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=wire_domestic_incoming; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Incoming | $10" · Source

Check ServicesVerified

Cashier’s Check / Money Order$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=cashiers_check; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Cashier’s Check / Money Order | $5" · Source
Check Cashing Fee (non-members & members with savings account only and less than balance)$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=check_cashing; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Check Cashing Fee (non-members & members with savings account only and less than $100 balance) | $5" · Source
Check Copies (per check – 2 free per statement period)$0Below the typical range ($2–$5 nationally)
$3 below the national median
per item · Knox read a free fee from Rosetta artifact #6756. canonical_hint=check_image; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Check Copies (per check – 2 free per statement period) FREE" · Source
Check Copies (per check – 2 free per statement period) FREE through Online Branch$3Within the typical range ($2–$5 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=check_image; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Check Copies (per check – 2 free per statement period) FREE through Online Branch | $3" · Source
Stop Payment (per item)$25Within the typical range ($20–$30 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=stop_payment; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Stop Payment (per item) | $25" · Source
Temporary Checks - supply of 10$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=counter_check; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Temporary Checks - supply of 10 | $5" · Source

Digital & ElectronicVerified

Bill Payment Service$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Knox read a free fee from Rosetta artifact #6756. canonical_hint=bill_pay; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Bill Payment Service | FREE" · Source
Copy of Bill Payment Check$5Within the typical range ($0–$10 nationally)
$0.05 above the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=bill_pay; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Copy of Bill Payment Check | $5" · Source

Account ServicesVerified

Levy/Order to withhold (per item)$25Below the typical range ($30–$75 nationally)
$25 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=garnishment_levy; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Levy/Order to withhold (per item) | $25" · Source
Verification of Account Letter$15Within the typical range ($10–$17.13 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=account_verification; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Verification of Account Letter | $15" · Source

Retirement & IRAVerified

IRA Early Closure$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=ira_termination; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="IRA Early Closure | $25" · Source

Other FeesVerified

Duplicate Statement/Account Activity Printout$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=document_reproduction; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Duplicate Statement/Account Activity Printout | $5" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation/Research (min. 1 hour)	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=account_research; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Account Reconciliation/Research (min. 1 hour) \| $30/hr"	Source
Monthly Service Charge	$0Below the typical range ($3–$10 nationally)	$5.99 below the national median	per month	Knox read a free fee from Rosetta artifact #6756. canonical_hint=monthly_maintenance; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Monthly Service Charge \| None"	Source
Monthly Service Fee	$10Within the typical range ($3–$10 nationally)	$4.01 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=monthly_maintenance; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Monthly Service Fee \| $10"	Source
Overdraft & NSFVerified
Courtesy Pay for non-sufficient or Uncollected Funds	$14Below the typical range ($25–$31 nationally)	$16 below the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=overdraft; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Courtesy Pay for non-sufficient or Uncollected Funds \| $14"	Source
Non-sufficient Funds Fee for returned/uncollected Checks/Electronic Withdrawals
ATM & CardVerified
Replacement Card	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=card_replacement; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Replacement Card \| $15"	Source
Wire TransfersVerified
Wire Services: Incoming	$10Within the typical range ($5–$15 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=wire_domestic_incoming; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Incoming \| $10"	Source
Check ServicesVerified
Cashier’s Check / Money Order	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=cashiers_check; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Cashier’s Check / Money Order \| $5"	Source
Check Cashing Fee (non-members & members with savings account only and less than balance)
Digital & ElectronicVerified
Bill Payment Service	$0Within the typical range ($0–$10 nationally)	$4.95 below the national median	—	Knox read a free fee from Rosetta artifact #6756. canonical_hint=bill_pay; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Bill Payment Service \| FREE"	Source
Copy of Bill Payment Check	$5
Account ServicesVerified
Levy/Order to withhold (per item)	$25Below the typical range ($30–$75 nationally)	$25 below the national median	per item	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=garnishment_levy; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Levy/Order to withhold (per item) \| $25"	Source
Verification of Account Letter
Retirement & IRAVerified
IRA Early Closure	$25Within the typical range ($25–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=ira_termination; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="IRA Early Closure \| $25"	Source
Other FeesVerified
Duplicate Statement/Account Activity Printout	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #6756. canonical_hint=document_reproduction; text_hash=1ac71ca97161be62d1025018470b170807b1142301f60aa48df8669bbfef5463; excerpt="Duplicate Statement/Account Activity Printout \| $5"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$14

Overdraft fee: $14

53% below the national median overdraft fee

Total fees: 19 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$92.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$92.7M

Total deposits

$79.5M

Service charge income (year to date)

$91K

Fee income ratio

3.6%

Return on assets

0.71%

Financial profile · Pro

Performance from regulator filings

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

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Based on 27,539 verified fees from 2,277 institutions

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