Pacific Service Federal Credit Union

Headquarters: Concord, California
Charter: Credit Union
Assets: $1.3B
Fed district: San Francisco

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

Source: its fee schedule, read Nov 5, 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
Plu$ Checking
Can be waived with an average balance of $7,500 or more.
Pacific Service Federal Credit Union: $10
Pacific Service Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Pacific Service Federal Credit Union: $10
Pacific Service Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Pacific Service Federal Credit Union: No fee
Pacific Service Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Pacific Service Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Plu$ Checking Monthly service charge$10
per month
Relationship Checking Monthly service charge$10
per month
Low balance fee$5
per month
Escheatment notification$2
per item
Account research or check reconciliation$20
Not 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
Bad address (returned mail)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy pay fee$10
per item
Nonsufficient funds fee (NSF)No charge
per item

Wire Transfers

Outgoing wire fee$20
per item
Incoming wire fee$10
per item

Check Services

Stop payments$20
per item
Check copies - rush order$2
per item

Account Services

Notary - member with non-PSCU document$15
per item
Levies, IRS levies, withholding, judgment or legal order$20
per item
Subordination$125
per item
Subpoenas$20
per item
Verification of deposit$10
per item
Verification of mortgage$10
per item

Lending Fees

Late charge (audience not stated, treated as personal)5%
per month
Late charge5%
per month
First mortgage processing$450
per item
First mortgage underwriting$650
per item
Mortgage Funding$100

Retirement & IRA

IRA transferred to another institution$25
per item

Other Fees

2 free per month + FedEx costs, then$2
per item
Copy of credit / debit card receipt$10
per item
Deed of reconveyance/recording$188
Demand for payoff$30
Early closure fee for home equity loan/line within two years of opening$100
Redraw document fee$50
per item
Refinance fee for home equity loan/line under add-on or within two years of opening$200
Refinance to reduce loan rate$200
per item
Skip-a-Loan payment$25
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

Correct a fee source

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

Get an email when Pacific Service Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.