Central Valley Firefighters Federal Credit Union

Headquarters: Fresno, California
Charter: Credit Union
Assets: $49.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

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

Monthly Maintenance
2nd Chance Checking Account
Central Valley Firefighters Federal Credit Union: $10
Central Valley Firefighters Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Central Valley Firefighters Federal Credit Union: $14
Central Valley Firefighters Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Central Valley Firefighters Federal Credit Union: $1
Central Valley Firefighters Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Central Valley Firefighters Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

2nd Chance Checking Account Monthly service charge$10
per month
Account Closure (within 90 days)$10
Dormant Account Fee (Waived for minors and accounts with +)$5
Escheat Notice Fee (Per Notice)$2
Account Reconciliation per hour (30-minute Minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address$5

Overdraft & NSF

Non-Sufficient Funds (NSF) Fee$14
Non-Sufficient Funds (NSF) Fee daily maximum$42
per day

ATM & Card

ATM Surcharge$1
Debit Card Replacement Rush$65

Wire Transfers

Wire – Outgoing Domestic$25
Wire – Incoming Domestic$10
Wire – Outgoing International$45
Wire – Incoming International$20

Check Services

Cashier’s Check$2
Cashier’s Check Stop Payment$25
Stop Payment: ACH or Share Draft$25
Temporary Checks (Established Account)$2
per item · per page of 4
Check Cashing Non-Member$10
Cashier’s Check Copy$3
Copy of Deposited Item$3

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Returned Deposit$25

Account Services

Notary (First Signature for Members Free, Unless for External Loan Documents)$15
Levy/Garnishment Fee$35
Subordination Agreement$100
Verification of Deposit/Account Verification Letter$15

Retirement & IRA

IRA Annual Maintenance$20
per year
IRA Closure/Transfer$20
per item

Vehicle & Title

Duplicate Title/Lien Release$20

Other Fees

Statement Copy$3
Reconveyance Fee$250
Skip Payment Fee$25

Fee	Amount	Basis	Note
Account Maintenance
2nd Chance Checking Account Monthly service charge	$10	per month	None
Account Closure (within 90 days)	$10	Not stated	None
Dormant Account Fee (Waived for minors and accounts with +)	$5	Not stated	None
Escheat Notice Fee (Per Notice)	$2	Not stated	None
Account Reconciliation per hour (30-minute Minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds (NSF) Fee	$14	Not stated	None
Non-Sufficient Funds (NSF) Fee daily maximum	$42	per day	None
ATM & Card
ATM Surcharge	$1	Not stated	None
Debit Card Replacement Rush	$65	Not stated	None
Wire Transfers
Wire – Outgoing Domestic	$25	Not stated	None
Wire – Incoming Domestic	$10	Not stated	None
Wire – Outgoing International	$45	Not stated	None
Wire – Incoming International	$20	Not stated	None
Check Services
Cashier’s Check	$2	Not stated	None
Cashier’s Check Stop Payment	$25	Not stated	None
Stop Payment: ACH or Share Draft	$25	Not stated	None
Temporary Checks (Established Account)	$2	per item	per page of 4
Check Cashing Non-Member	$10	Not stated	None
Cashier’s Check Copy	$3	Not stated	None
Copy of Deposited Item	$3	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Deposit	$25	Not stated	None
Account Services
Notary (First Signature for Members Free, Unless for External Loan Documents)	$15	Not stated	None
Levy/Garnishment Fee	$35	Not stated	None
Subordination Agreement	$100	Not stated	None
Verification of Deposit/Account Verification Letter	$15	Not stated	None
Retirement & IRA
IRA Annual Maintenance	$20	per year	None
IRA Closure/Transfer	$20	per item	None
Vehicle & Title
Duplicate Title/Lien Release	$20	Not stated	None
Other Fees
Statement Copy	$3	Not stated	None
Reconveyance Fee	$250	Not stated	None
Skip Payment Fee	$25	Not stated	None

Correct a fee source

Oct 5, 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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