26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $9, the middle of its prices
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 Arizona, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
First Credit Union · $812M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Credit Union(this institution) | Chandler, AZ | $812M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Christian Federal Credit Union | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayer Heritage Federal Credit Union | New Martinsville, WV | $801M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caribe Federal Credit Union | San Juan, PR | $800M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Corda Federal Credit Union | Cedar Rapids, IA | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Direct Federal Credit Union | Needham, MA | $795M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dover-Phila Federal Credit Union | Dover, OH | $813M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Family Trust Federal Credit Union | Rock Hill, SC | $805M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Community Federal Credit Union | Kailua Kona, HI | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Institutes Of Health Federal Credit Union | Rockville, MD | $817M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Polish National Federal Credit Union | Chicopee, MA | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Reliant Community Federal Credit Union | Sodus, NY | $788M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sea Comm Federal Credit Union | Massena, NY | $777M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Smart Financial Federal Credit Union | Houston, TX | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Solarity Federal Credit Union | Yakima, WA | $804M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Federal Credit Union | Middletown, RI | $811M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| True Sky Federal Credit Union | Oklahoma City, OK | $778M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its two prices, against a peer median of $7.50 among 16 publishing peers.
Its two checking prices are $8 and $10.
$9 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Amounts from First Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month · Assessed for members 25 and older after 6 consecutive months without one of the following: Receive a direct deposit during statement cycle, Complete (post & clear) at least 10 firstcu debit card purchases, Maintain a $100 minimum daily account balance
varies · Per hour
per month
per item
one time · One-time service cost for each address change
per item
per item · Must opt-in for credit union to authorize and pay overdrafts on ATM transactions and non-recurring debit card transactions
per item · An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.
per item · Transfers made by FCU between member-designated internal accounts to cover overdraft transactions
per item · First four (4) withdrawals per calendar month at any Out-of-Network ATM are FREE. Out-of-Network ATM is any non-FCU ATM or any ATM not part of the CO-OP ATM network.
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item · First six (6) check copies per calendar are FREE with First Premier Checking
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $10 | per month | None |
| Monthly service cost is reduced | $8 | per month | None |
| Dormant Account | $100 | Not stated | None |
| Inactive Membership | $10 | per month | None |
| Sunshine Checking - Under Utilization (audience not stated, treated as personal) | $5 | per month | Assessed for members 25 and older after 6 consecutive months without one of the following: Receive a direct deposit during statement cycle, Complete (post & clear) at least 10 firstcu debit card purchases, Maintain a $100 minimum daily account balance |
| Account Research | $20 | varies | Per hour |
| Paper Statements | $3 | per month | None |
| Excess Transaction Limit | $10 | per item | None |
| Returned Mail for Bad Address | $5Not compared: One-time charge, not monthly | one time | One-time service cost for each address change |
Overdraft & NSF | |||
| Non-Sufficient Funds – Overdraft | $20 | per item | None |
| Overdraft Payment Service | $20 | per item | Must opt-in for credit union to authorize and pay overdrafts on ATM transactions and non-recurring debit card transactions |
| Non-Sufficient Funds - Overdraft | $20 | per item | An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge. |
| Overdraft Transfers (audience not stated, treated as personal) | $5 | per item | Transfers made by FCU between member-designated internal accounts to cover overdraft transactions |
ATM & Card | |||
| ATM, POS, ACH, Checks, Debit <= | $5 | Not stated | None |
| Out-of-Network ATM Usage (audience not stated, treated as personal) | $4.50 | per item | First four (4) withdrawals per calendar month at any Out-of-Network ATM are FREE. Out-of-Network ATM is any non-FCU ATM or any ATM not part of the CO-OP ATM network. |
| Visa Card Replacement | $5 | per item | None |
| Visa Card & PIN Replacement RUSH | $50 | per item | None |
| Visa Card Replacement RUSH | $25 | per item | None |
Wire Transfers | |||
| Wire Transfer - Outgoing Domestic | $20 | per item | None |
| Wire Transfer - Outgoing International | $40 | per item | None |
Check Services | |||
| FCU Official Checks | $5 | per item | None |
| Money Orders | $3 | per item | None |
| Regular Savings, Additional Savings, and Money Market accounts are | Money Orders | $3 | per item | None |
| Post-Dated Checks (audience not stated, treated as personal) | $35 | per item | None |
| Stop Payment | $20 | per item | None |
| Stop Payment | $20 | per item | None |
| Check Cashing for Non-Members | $8 | per item | None |
| Items Sent for Collection | $35 | Not stated | None |
| Check Copies | $2 | per item | First six (6) check copies per calendar are FREE with First Premier Checking |
| FCU Official Check Copy | $5 | per item | None |
| First six (6) check copies per calendar are | No charge | Not stated | None |
| Overspend feature with subscription. | Check Copies | $2 | per item | None |
| Receipt Copy Fee | $2 | per item | None |
Digital & Electronic | |||
| Digital Banking – Bill Payment | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Counter – Glendale location only | No charge | Not stated | None |
| Deposit Item Returned for NSF | $35 | Not stated | None |
Account Services | |||
| Legal Processing | $100 | per item | None |
| Network ATM is any FCU ATM or any ATM that is part of the CO-OP | Verification of Deposit Form Processing | $10 | Not stated | None |
| Verification of Deposit Form Processing | $10 | per item | None |
Other Fees | |||
| Statement Copy | $3 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 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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