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, $1B to $10B

Pacific Service Federal Credit Union

Concord, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 9, 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

Relationship Checking Monthly service charge$10Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy pay fee$10Below the typical range ($25–$33 nationally)
$20 below the national median$15 below the California median
per item · Source
Nonsufficient funds fee (NSF)$0Below the typical range ($25–$32 nationally)
$30 below the national median$23 below the California median
per item · Source

Wire TransfersVerified

Outgoing wire fee$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the California median
per item · Source
Incoming wire fee$10Within the typical range ($5–$15 nationally)
At the national medianAt the California median
per item · Source

Account ServicesVerified

Notary - member with non-PSCU document$15Above the typical range ($0–$5 nationally)
$12.50 above the national medianAt the California median
per item · Source
Levies, IRS levies, withholding, judgment or legal order$20Below the typical range ($30–$90 nationally)
$30 below the national median$25 below the California median
per item · Source
Verification of deposit$10Within the typical range ($5–$15 nationally)
At the national medianAt the California median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Relationship Checking Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$4.50 above the California median	per month	—	Source
Low balance fee	$5Within the typical range ($5–$10 nationally)	$2 below the national medianAt the California median	per month	—	Source
Escheatment notification	$2Below the typical range ($5–$10 nationally)	$3 below the national median$1.50 below the California median	—	—	Source
Account research or check reconciliation	$20Within the typical range ($11–$25 nationally)	$2.50 above the national medianAt the California median	—	—	Source
Bad address (returned mail)	$5Below the typical range ($11–$25 nationally)	$12.50 below the national median$15 below the California median	per item	—	Source
Real estate additional fax	$10Below the typical range ($11–$25 nationally)	$7.50 below the national median$10 below the California median	per item	—	Source
Overdraft & NSFVerified
Courtesy pay fee	$10Below the typical range ($25–$33 nationally)	$20 below the national median$15 below the California median	per item	—	Source
Nonsufficient funds fee (NSF)	$0
Wire TransfersVerified
Outgoing wire fee	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the California median	per item	—	Source
Incoming wire fee	$10
Check ServicesVerified
Stop payments	$20Within the typical range ($20–$30 nationally)	$7.50 below the national median$2.50 below the California median	per item	—	Source
Account ServicesVerified
Notary - member with non-PSCU document	$15Above the typical range ($0–$5 nationally)	$12.50 above the national medianAt the California median	per item	—	Source
Levies, IRS levies, withholding, judgment or legal order	$20
Lending FeesVerified
Late charge	5%	—	per month	—	Source
Other FeesVerified
Subordination	$125Above the typical range ($25–$100 nationally)	$87.50 above the national median$50 above the California median	per item	—	Source

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

$10

Overdraft fee: $10

67% below the national median overdraft fee

15 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$1.3B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.3B

Total deposits

$1.1B

Service charge income (year to date)

$931K

Fee income ratio

2.5%

Return on assets

0.76%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,668 published fee entries from 3,619 institutions

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Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings