19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 5, 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 Nov 5, 2026
Call-report figures are for Pacific Service Federal 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. | Pacific Service Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $468K in Q2 2026, 13% above the same quarter a year earlier ($413K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Plu$ Checking
Can be waived with an average balance of $7,500 or more.
Overdraft (OD)
NSF / Returned Item
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 was about level from Q3 2025 to Q2 2026, at $468K.
$468K
Pacific Service Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Pacific Service Federal Credit Union · $1.3B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pacific Service Federal Credit Union(this institution) | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American First Federal Credit Union | Brea, CA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Insurance Federal Credit Union | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Star Federal Credit Union | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Gulf Winds Federal Credit Union | Pensacola, FL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Island Federal Credit Union | Hauppauge, NY | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Los Angeles Police Federal Credit Union | Van Nuys, CA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Empl.Credit Union of Balt | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Federal Credit Union | Chambersburg, PA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quorum Federal Credit Union | Purchase, NY | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Federal Credit Union | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its two prices, against a peer median of $5 among 13 publishing peers.
Its two checking prices are $10 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 Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Pacific Service Federal 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 | $468K | +$5K | +1.1% |
| Q1 2026 | $463K | −$22K | −4.5% |
| Q4 2025 | $485K | +$14K | +3.0% |
| Q3 2025 | $471K | +$58K | +14.0% |
| Q2 2025 | $413K | −$223K | −35.1% |
| Q1 2025 | $636K | −$48K | −7.0% |
| Q4 2024 | $684K | +$37K | +5.7% |
| Q3 2024 | $647K | +$30K | +4.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Pacific Service Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per item
per hour · Account research or check reconciliation | $20 per hour, 1 hour minimum
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Plu$ Checking Monthly service charge | $10 | per month | None |
| Relationship Checking Monthly service charge | $10 | per month | None |
| Low balance fee | $5 | per month | None |
| Escheatment notification | $2 | per item | None |
| Account research or check reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account research or check reconciliation | $20 per hour, 1 hour minimum |
| Real estate additional fax | $10 | per item | None |
| Bad address (returned mail) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy pay fee | $10 | per item | None |
| Nonsufficient funds fee (NSF) | No charge | per item | None |
Wire Transfers | |||
| Outgoing wire fee | $20 | per item | None |
| Incoming wire fee | $10 | per item | None |
Check Services | |||
| Stop payments | $20 | per item | None |
| Check copies - rush order | $2 | per item | None |
Account Services | |||
| Notary - member with non-PSCU document | $15 | per item | None |
| Levies, IRS levies, withholding, judgment or legal order | $20 | per item | None |
| Subordination | $125 | per item | None |
| Subpoenas | $20 | per item | None |
| Verification of deposit | $10 | per item | None |
| Verification of mortgage | $10 | per item | None |
Lending Fees | |||
| Late charge (audience not stated, treated as personal) | 5% | per month | None |
| Late charge | 5% | per month | None |
| First mortgage processing | $450 | per item | None |
| First mortgage underwriting | $650 | per item | None |
| Mortgage Funding | $100 | Not stated | None |
Retirement & IRA | |||
| IRA transferred to another institution | $25 | per item | None |
Other Fees | |||
| 2 free per month + FedEx costs, then | $2 | per item | None |
| Copy of credit / debit card receipt | $10 | per item | None |
| Deed of reconveyance/recording | $188 | Not stated | None |
| Demand for payoff | $30 | Not stated | None |
| Early closure fee for home equity loan/line within two years of opening | $100 | Not stated | None |
| Redraw document fee | $50 | per item | None |
| Refinance fee for home equity loan/line under add-on or within two years of opening | $200 | Not stated | None |
| Refinance to reduce loan rate | $200 | per item | None |
| Skip-a-Loan payment | $25 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 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.
Fee change alerts
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