Mypoint Federal Credit Union

Headquarters: San Diego, California
Charter: Credit Union
Assets: $704.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 16, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
MyPoint+ Checking $6 · AnyAccess Checking $8.50 · MyVIP Checking $10 · AccessBuilder Checking $15
Compared at $9.25, the middle of its prices
Mypoint Federal Credit Union: $6 to $15
Mypoint Federal Credit Union: $6 to $15
U.S. median: no median
Overdraft (OD)
Mypoint Federal Credit Union: $14
Mypoint Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Mypoint Federal Credit Union: $1 to $2
Mypoint Federal Credit Union: $1 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Mypoint Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

AccessBuilder Checking Monthly service charge$15
per month
AnyAccess Checking Monthly service charge$8.50
per month
MyPoint+ Checking Monthly service charge$6
per month
MyVIP Checking Monthly service charge$10
per month
Close membership within 90 days of opening$5
Inactive account$10
per month
Notice of escheat$2
Account reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement due to invalid address$5

Overdraft & NSF

Courtesy Pay over non-sufficient funds$14
per item
Overdraft transfer from another share account$5
per item

ATM & Card

All other non-CO-OP ATMs (inquiries)$1
per item
All other non-CO-OP ATMs (withdrawals)$2
per item
Replacement card$5
VISA International Service Assessment fee1.2%of the transaction

Wire Transfers

Wire Transfers: Outgoing Domestic$25
Wire Transfers: Incoming$10
Wire Transfers: Outgoing International$45

Check Services

Cashiers check$5
per item
Stop payment$25
Temporary checks (packet of eight)$6
Check cashing if less than $100$2
per item
Check cashing if non-member$5
per item
Collection Item$25
Check copy$3
per item

Digital & Electronic

Bill PayNo charge
per month

Account Services

Notary$15
Verification of deposit$10

Other Fees

Statement Copy$3
per item
Real Estate Reconveyance$125

Fee	Amount	Basis	Note
Account Maintenance
AccessBuilder Checking Monthly service charge	$15	per month	None
AnyAccess Checking Monthly service charge	$8.50	per month	None
MyPoint+ Checking Monthly service charge	$6	per month	None
MyVIP Checking Monthly service charge	$10	per month	None
Close membership within 90 days of opening	$5	Not stated	None
Inactive account	$10	per month	None
Notice of escheat	$2	Not stated	None
Account reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement due to invalid address	$5	Not stated	None
Overdraft & NSF
Courtesy Pay over non-sufficient funds	$14	per item	None
Overdraft transfer from another share account	$5	per item	None
ATM & Card
All other non-CO-OP ATMs (inquiries)	$1	per item	None
All other non-CO-OP ATMs (withdrawals)	$2	per item	None
Replacement card	$5	Not stated	None
VISA International Service Assessment fee	1.2%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$25	Not stated	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfers: Outgoing International	$45	Not stated	None
Check Services
Cashiers check	$5	per item	None
Stop payment	$25	Not stated	None
Temporary checks (packet of eight)	$6	Not stated	None
Check cashing if less than $100	$2	per item	None
Check cashing if non-member	$5	per item	None
Collection Item	$25	Not stated	None
Check copy	$3	per item	None
Digital & Electronic
Bill Pay	No charge	per month	None
Account Services
Notary	$15	Not stated	None
Verification of deposit	$10	Not stated	None
Other Fees
Statement Copy	$3	per item	None
Real Estate Reconveyance	$125	Not stated	None

Correct a fee source

Oct 16, 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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