Compared with California
4 of 19
compared fees are above the median.
9 below, 6 about the same.
About the same: within 1% of the median.
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
7th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 19 compared; 9 below, 6 about the same
See the feesFee 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) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the California median | Published fees above the California 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 2.5% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (7th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $468K in Q2 2026, 13% above the same quarter a year earlier ($413K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 19 compared published fees sit above the California median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Plu$ Checking
Can be waived with an average balance of $7,500 or more.
NSF / Returned Item
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. Its share of revenue, 2.5%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$468K
Pacific Service Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Pacific Service Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Pacific Service Federal Credit Union by share.
Amounts from Pacific Service Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Plu$ Checking Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Relationship Checking Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low balance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment notification | $2Below the U.S. middle 50% ($5 to $10 nationally) | 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 | $10Inside the U.S. middle 50% ($6.63 to $25 nationally) | per item | None |
| Bad address (returned mail) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy pay fee | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds fee (NSF) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Outgoing wire fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming wire fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Stop payments | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check copies - rush order | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Notary - member with non-PSCU document | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levies, IRS levies, withholding, judgment or legal order | $20Below the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Subordination | $125Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Subpoenas | $20Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Verification of mortgage | $10Inside the U.S. middle 50% ($5 to $15 nationally) | 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 | $450Above the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
| First mortgage underwriting | $650Above the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
| Mortgage Funding | $100Above the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA transferred to another institution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| 2 free per month + FedEx costs, then | $2Below the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Copy of credit / debit card receipt | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Deed of reconveyance/recording | $188Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Demand for payoff | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Early closure fee for home equity loan/line within two years of opening | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Redraw document fee | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Refinance fee for home equity loan/line under add-on or within two years of opening | $200Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Refinance to reduce loan rate | $200Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-a-Loan payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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.
Where Pacific Service Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Clovis, CA | 1 |
| Concord, CA | 1 |
| Fresno, CA | 1 |
| Livermore, CA | 1 |
| Pleasant Hill, CA | 1 |
| San Ramon, CA | 1 |
Largest competitors nearby
Local market: Contra Costa county, CA, around its headquarters.
| 43 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 29% |
| JPMorgan Chase Bank, National Association | 16.6% |
| Bank of America, National Association | 13.5% |
| BMO Bank National Association | 11.1% |
| Mechanics Bank | 6.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.