vs. U.S. typical range:LowerTypicalHigher
$4 above the national median$2.52 above the Arizona median
per month · Source
$2 above the national median$0.52 above the Arizona median
per month · Source
$5 above the national medianAt the Arizona median
per month · Source
At the national median$5 below the Arizona median
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 · Source
$2.50 above the national median$5 above the Arizona median
varies · Per hour · Source
$7.50 below the national median$5 below the Arizona median
per item · Regular Savings, Additional Savings, and Money Market accounts are limited to six (6) transactions per calendar month from each account. Service cost is assessed for transactions that exceed this limit. · Source
$12.50 below the national median$10 below the Arizona median
one time · One-time service cost for each address change · Source
At the national median$0.50 above the Arizona median
per month · Source
$10 below the national median$10 below the Arizona median
per item · Must opt-in for credit union to authorize and pay overdrafts on ATM transactions and non-recurring debit card transactions · Source
$10 below the national median$10 below the Arizona median
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. · Source
At the national medianAt the Arizona median
per item · Transfers made by FCU between member-designated internal accounts to cover overdraft transactions · Source
$3 above the national median$2.50 above the Arizona median
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. · Source
$5 below the national median$5 below the Arizona median
per item · Source
$10 above the national median$5 above the Arizona median
per item · Source
$15 below the national median$20 below the Arizona median
per item · Source
$5 below the national medianAt the Arizona median
per item · Source
$10 below the national median$5 below the Arizona median
per item · Source
$10 below the national median$5 below the Arizona median
At the national medianAt the Arizona median
per item · Source
$1 above the national medianAt the Arizona median
per item · Source
$1 above the national medianAt the Arizona median
per item · Source
per item · Source
$7.50 below the national median$10 below the Arizona median
per item · Source
$7.50 below the national median$10 below the Arizona median
per item · Source
$3 above the national median$3 above the Arizona median
per item · Source
$1 below the national median$1 below the Arizona median
per item · First six (6) check copies per calendar are FREE with First Premier Checking · Source
$2 above the national median$2 above the Arizona median
per item · Source
$3 below the national median$3 below the Arizona median
$1 below the national median$1 below the Arizona median
per item · Source
$1 below the national median$1 below the Arizona median
per item · Source
$2.50 below the national median$5 below the Arizona median
$20 above the national median$7.50 above the Arizona median
$50 above the national median$57.50 above the Arizona median
per item · Source
At the national medianAt the Arizona median
At the national medianAt the Arizona median
per item · Source
At the national median$0.12 above the Arizona median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly Maintenance | $10Within the typical range ($4–$10 nationally) | $4 above the national median$2.52 above the Arizona median | per month | — | Source |
| Monthly service cost is reduced | $8Within the typical range ($4–$10 nationally) | $2 above the national median$0.52 above the Arizona median | per month | — | Source |
| Inactive Membership | $10Within the typical range ($5–$10 nationally) | $5 above the national medianAt the Arizona median | per month | — | Source |
| Sunshine Checking - Under Utilization | $5Within the typical range ($5–$10 nationally) | At the national median$5 below the Arizona median | 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 | Source |
| Account Research | $20Within the typical range ($12–$25 nationally) | $2.50 above the national median$5 above the Arizona median | varies | Per hour | Source |
| Excess Transaction Limit | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$5 below the Arizona median | per item | Regular Savings, Additional Savings, and Money Market accounts are limited to six (6) transactions per calendar month from each account. Service cost is assessed for transactions that exceed this limit. | Source |
| Returned Mail for Bad Address | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$10 below the Arizona median | one time | One-time service cost for each address change | Source |
| Paper Statements | $3Within the typical range ($2–$4.93 nationally) | At the national median$0.50 above the Arizona median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Payment Service | $20Below the typical range ($25–$33 nationally) | $10 below the national median$10 below the Arizona median | per item | Must opt-in for credit union to authorize and pay overdrafts on ATM transactions and non-recurring debit card transactions | Source |
| Non-Sufficient Funds - Overdraft | |||||
ATM & CardVerified | |||||
| Out-of-Network ATM Usage | $4.50Above the typical range ($1–$2.25 nationally) | $3 above the national median$2.50 above the Arizona median | 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. | Source |
| Visa Card Replacement | |||||
Wire TransfersVerified | |||||
| Wire Transfer - Outgoing Domestic | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Arizona median | per item | — | Source |
| Wire Transfer - Outgoing International | $40 | ||||
Check ServicesVerified | |||||
| FCU Official Checks | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Arizona median | per item | — | Source |
| Money Orders | $3 | ||||
Digital & ElectronicVerified | |||||
| Digital Banking – Bill Payment | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$5 below the Arizona median | — | — | Source |
Cash & DepositVerified | |||||
| Deposit Item Returned for NSF | $35Above the typical range ($8–$25 nationally) | $20 above the national median$7.50 above the Arizona median | — | — | Source |
Account ServicesVerified | |||||
| Legal Processing | $100Within the typical range ($30–$100 nationally) | $50 above the national median$57.50 above the Arizona median | per item | — | Source |
| Network ATM is any FCU ATM or any ATM that is part of the CO-OP | Verification of Deposit Form Processing | $10 | ||||
Other FeesVerified | |||||
| Statement Copy | $3Within the typical range ($2–$5 nationally) | At the national median$0.12 above the Arizona median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$20.00
Of 187 others that publish it, 48 lower, 17 the same and 122 higher.
Monthly maintenance
$9.00
Of 144 others that publish it, 112 lower, 1 the same and 31 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$20
Headline fees published
12 of 15
Published fees
36
Under review
0
Assets
$811.6M
Work at First Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$811.6M
Total deposits
$689.0M
Service charge income (year to date)
$1.8M
Fee income ratio
7.3%
Return on assets
0.24%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $20Below the typical range ($25–$32 nationally) |
| $10 below the national median$10 below the Arizona median |
| 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. |
| Source |
| Overdraft Transfers | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the Arizona median | per item | Transfers made by FCU between member-designated internal accounts to cover overdraft transactions | Source |
| $5Within the typical range ($5–$10 nationally) |
| $5 below the national median$5 below the Arizona median |
| per item |
| — |
| Source |
| Visa Card & PIN Replacement RUSH | $50Within the typical range ($30–$50 nationally) | $10 above the national median$5 above the Arizona median | per item | — | Source |
| Visa Card Replacement RUSH | $25Below the typical range ($30–$50 nationally) | $15 below the national median$20 below the Arizona median | per item | — | Source |
| $10 below the national median$5 below the Arizona median |
| per item |
| — |
| Source |
| Wire Transfer – Outgoing International | $40Within the typical range ($40–$50 nationally) | $10 below the national median$5 below the Arizona median | — | — | Source |
| $1 above the national medianAt the Arizona median |
| per item |
| — |
| Source |
| Regular Savings, Additional Savings, and Money Market accounts are | Money Orders | $3Within the typical range ($1.50–$3 nationally) | $1 above the national medianAt the Arizona median | per item | — | Source |
| Post-Dated Checks | $35Above the typical range ($0–$15 nationally) | $34 above the national median | per item | — | Source |
| /Month | Stop Payment | $20Within the typical range ($20–$30 nationally) | $7.50 below the national median$10 below the Arizona median | per item | — | Source |
| Stop Payment | $20Within the typical range ($20–$30 nationally) | $7.50 below the national median$10 below the Arizona median | per item | — | Source |
| Check Cashing for Non-Members | $8Within the typical range ($5–$10 nationally) | $3 above the national median$3 above the Arizona median | per item | — | Source |
| Check Copies | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Arizona median | per item | First six (6) check copies per calendar are FREE with First Premier Checking | Source |
| FCU Official Check Copy | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Arizona median | per item | — | Source |
| First six (6) check copies per calendar are | $0Below the typical range ($2–$5 nationally) | $3 below the national median$3 below the Arizona median | — | — | Source |
| Overspend feature with subscription. | Check Copies | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Arizona median | per item | — | Source |
| Receipt Copy Fee | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Arizona median | per item | — | Source |
| At the national medianAt the Arizona median |
| — |
| — |
| Source |
| Verification of Deposit Form Processing | $10Within the typical range ($5–$15 nationally) | At the national medianAt the Arizona median | per item | — | Source |