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, $300M to $1B

First U.S. Community Federal Credit Union

Sacramento, CaliforniaCredit UnionSan Francisco Fed districtFees collected Oct 4, 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

Escheat fee$2Below the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay (paid NSF)$14Below the typical range ($25–$33 nationally)
$16 below the national median$11 below the California median
per item · Source
Dividend Checking includes four (4) automatic | Insufficient Funds$14Below the typical range ($25–$32 nationally)
$16 below the national median$9 below the California median
per item · Source

ATM & CardVerified

Replacement card$10Within the typical range ($5–$10 nationally)
At the national medianAt the California median
Source
Rush replacement card$37Within the typical range ($30–$50 nationally)
$3 below the national median$8 below the California median
per item · Source

Check ServicesVerified

Cashiers check$5Within the typical range ($3–$6 nationally)
At the national medianAt the California median
Source
Health Savings Account (HSA)$5Within the typical range ($5–$10 nationally)
At the national median$0.50 below the California median
Source

Account ServicesVerified

safe deposit key$20Below the typical range ($30–$70 nationally)
$25 below the national median$55 below the California median
Source
Levy fee$100Above the typical range ($30–$90 nationally)
$50 above the national median$55 above the California median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Escheat fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median$1.50 below the California median	—	—	Source
Inactive Account fee	$6Within the typical range ($5–$10 nationally)	$1 above the national median$2.50 above the California median	per month	—	Source
Account research	$20Within the typical range ($12–$25 nationally)	$2.50 above the national medianAt the California median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay (paid NSF)	$14Below the typical range ($25–$33 nationally)	$16 below the national median$11 below the California median	per item	—	Source
Dividend Checking includes four (4) automatic \| Insufficient Funds	$14
ATM & CardVerified
Replacement card	$10Within the typical range ($5–$10 nationally)	At the national medianAt the California median	—	—	Source
Rush replacement card	$37
Check ServicesVerified
Cashiers check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the California median	—	—	Source
Health Savings Account (HSA)	$5
Cash & DepositVerified
Returned Deposited Item	$29Above the typical range ($8–$25 nationally)	$14 above the national median$11 above the California median	per item	—	Source
Account ServicesVerified
safe deposit key	$20Below the typical range ($30–$70 nationally)	$25 below the national median$55 below the California median	—	—	Source
Levy fee	$100
Lending FeesVerified
Late fee	$10Within the typical range ($10–$25 nationally)	$10 below the national median$10 below the California median	—	—	Source

Fee change alerts

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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

$14

Overdraft fee: $14

53% below the national median overdraft fee

13 verified fees collected

Headline fees published

5 of 15

Published fees

Under review

Assets

$547.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$547.9M

Total deposits

$481.9M

Service charge income (year to date)

$560K

Fee income ratio

4.1%

Return on assets

0.32%

Financial profile · Pro

Performance from regulator filings

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