23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026
Call-report figures are for Bay Cities Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bay Cities Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $16K in Q2 2026, 71% below the same quarter a year earlier ($55K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
1st Checking $5 · Dividend Checking $5 · Star Checking $5 · Express Checking $5 to $10
Compared at $5, the middle of its prices
NSF / Returned Item
Non-Network ATM
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.
Fee income fell 72% from Q3 2025 to Q2 2026, to $16K.
$16K
Bay Cities Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Bay Cities Credit Union · $78M in assets
Banks and credit unions in the San Francisco-Oakland-Fremont, CA metro
Banks and credit unions with branches in the San Francisco-Oakland-Fremont, CA metro: the local competitors for deposits and customers. They range from $13M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 73 peers; medians use all 73.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bay Cities Credit Union(this institution) | Hayward, CA | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Amalgamated Bank | New York, NY | $9.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atchison Village Federal Credit Union | Richmond, CA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| BAC Community Bank | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of America California, National Association | San Francisco, CA | $14.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Chevron Federal Credit Union | Concord, CA | $5.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Business Bank, National Association | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Diablo Valley Federal Credit Union | Concord, CA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dow Great Western Federal Credit Union | Antioch, CA | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East County Schools Federal Credit Union | El Cajon, CA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firefighters First Federal Credit Union | Los Angeles, CA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of San Rafael | San Rafael, CA | $222M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hanmi Bank | Los Angeles, CA | $8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kaiperm Federal Credit Union | Walnut Creek, CA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marin County Federal Credit Union | San Rafael, CA | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metropolitan Bank | Oakland, CA | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mission National Bank | San Francisco, CA | $276M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monterra Federal Credit Union | Redwood City, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nuvision Federal Credit Union | Huntington Beach, CA | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier One Federal Credit Union | San Jose, CA | $656M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Federal Credit Union | Redwood City, CA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sea West Coast Guard Federal Credit Union | Oakland, CA | $378M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Shell Western States Federal Credit Union | Martinez, CA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stanford Federal Credit Union | Palo Alto, CA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunward Federal Credit Union | Albuquerque, NM | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Technology Federal Credit Union | San Jose, CA | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Association Federal Credit Union | Concord, CA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Upward Federal Credit Union | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utility District Federal Credit Union | Oakland, CA | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
73 peers selected · 44 publish this fee(monthly maintenance)
29 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its five prices, against a peer median of $9.50 among 44 publishing peers.
Its five checking prices are $5, $5, $5, $5 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Bay Cities Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $16K | −$41K | −71.9% |
| Q1 2026 | $57K | −$3K | −5.0% |
| Q4 2025 | $60K | +$2K | +3.4% |
| Q3 2025 | $58K | +$3K | +5.5% |
| Q2 2025 | $55K | −$1K | −1.8% |
| Q1 2025 | $56K | −$3K | −5.1% |
| Q4 2024 | $59K | $0 | 0.0% |
| Q3 2024 | $59K | −$1K | −1.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Bay Cities Credit Union’s own schedules, with a source for each figure.
per month · without e-Statements
per month
per month · with e-Statements OR Direct Deposit
per month · without e-Statements & Direct Deposit
per month · with either e-Statements or Direct Deposit
per month
per item
per month · after 12 months of no activity
per item · for every withdrawal over 1 per year
per item
per item
per item
per item · No charge for members with a combined balance of $1,000
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| 1st Checking Monthly Fee | $5 | per month | without e-Statements |
| Dividend Checking Monthly Fee | $5 | per month | None |
| Express Checking Monthly Fee (audience not stated, treated as personal) | $5 | per month | with e-Statements OR Direct Deposit |
| Express Checking Monthly Fee | $10 | per month | without e-Statements & Direct Deposit |
| Star Checking Monthly Fee | $5 | per month | with either e-Statements or Direct Deposit |
| Below Minimum Balance - Savings/Money Market | $5 | per month | None |
| Closed account | $10 | Not stated | None |
| Escheat Letter Fee | $2 | per item | None |
| Inactivity Fee | $5 | per month | after 12 months of no activity |
| Club Accounts - Excess Withdrawal Fee | $5 | per item | for every withdrawal over 1 per year |
| Credit Report Research Fee | $25 | per item | None |
| Fax Request | $3 | Not stated | None |
| Reg. D Excessive Transaction | $5 | Not stated | None |
Overdraft & NSF | |||
| Returned checks non-sufficient funds | $25 | per item | None |
| Automatic Overdraft Fee - Express Checking Share Savings Transfer | $1 | per item | for each share savings transfer |
| Automatic Overdraft Fee - Line of Credit Transfer | No charge | per item | Transfer from Automatic Overdraft Line of Credit Loans |
ATM & Card | |||
| ATM Transaction Fee - Savings Account | $1 | per item | for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit |
| ATM transaction fee on savings account | $1 | Not stated | None |
| Lost ATM or Visa Debit Card Replacement | $5 | per item | None |
Wire Transfers | |||
| Wire Transfer - USA | $20 | per item | None |
Check Services | |||
| Cashier's Checks Issued to Non-Members | $20 | per item | None |
| Cashier's Checks Payable to 2nd Party | $5 | per item | No charge for members with a combined balance of $1,000 |
| Credit Union Cashier’s Checks | $20 | per item | None |
| Online Bill Pay Stop Payment | $30 | per item | None |
| Stop payment | $20 | per item | None |
| Stop payment of Credit Union Cashier’s Checks | $20 | per item | None |
| Check cashing fee (audience not stated, treated as personal) | 1.5% | Not stated | None |
| CU Service Center - Check Withdrawal | $5 | per item | None |
| Foreign Collection item | $20 | per item | None |
| Copy of paid checks | $5 | per item | None |
Digital & Electronic | |||
| Rejected Automated Clearing House (ACH) Debit | $25 | per item | None |
| Automated Bill Paying Service | $5Not compared: Per-occurrence charge, not monthly | per item | No charge for members with a combined balance of $1,000 |
| Online Bill Pay Check Copy | $20Not compared: Per-occurrence charge, not monthly | per item | None |
Cash & Deposit | |||
| Coin counting fee (audience not stated, treated as personal) | 2% | Not stated | None |
Account Services | |||
| Notary Fee | $15 | per item | None |
| Tax Levies | $25 | per item | None |
| Tax Levy | $25 | per item | None |
| Subordination Fee | $100 | Not stated | None |
| Verification of Deposit Fee | $10 | per item | None |
Other Fees | |||
| Duplicate statements/printouts | $1 | Not stated | None |
| Photocopies | $0.50 | per item | None |
| Reconveyance Fee | $45 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 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.
Fee change alerts
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