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, $1B to $10B

American First Federal Credit Union

Brea, CaliforniaCredit UnionSan Francisco Fed districtFees collected Apr 22, 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

Other accounts available with no monthly service fee$0Below the typical range ($4–$10 nationally)

$6 below the national median$5.50 below the California median

Minimum balance fee (Single Srvc)$15

$8 above the national median$10 above the California median

Source

Account Research……………………………………………$20

$2.50 above the national medianAt the California median

Source

Overdraft & NSFVerified

Overdraft Fee/Non-Sufficient Funds (NSF) Fee…………$29Within the typical range ($25–$33 nationally)
$1 below the national median$4 above the California median
per item · Source
Overdraft Continuous Negative Balance Fee……………$5Within the typical range ($5–$15 nationally)
At the national medianAt the California median
Source
Overdraft Transfer from a Line of Credit . No fee$15Above the typical range ($2.50–$5 nationally)
$10 above the national median$12 above the California median
per item · Source
Overdraft Transfer from a Share Account……………$3.50Within the typical range ($2.50–$5 nationally)
$1.50 below the national median$0.50 above the California median
per item · Source

ATM & CardVerified

ATM Networks non-AFCU, Non CO-OP Locations……….$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the California median
per item · Source
Replacement of Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the California median
Source

Wire TransfersVerified

Wire Trans$25Within the typical range ($20–$25 nationally)
At the national medianAt the California median
per item · Source

Check ServicesVerified

Corporate Check……………………………………………$5Within the typical range ($3–$6 nationally)
At the national medianAt the California median
per item · Source
Zelle Stop Payment$29Within the typical range ($20–$30 nationally)
$1.50 above the national median$6.50 above the California median
Source
added to this account, or if a member is age 17 and under. | Temporary Checks Printed at the Counter………………$4Within the typical range ($1–$4 nationally)
$2 above the national median$1 above the California median
per item · Source
Temporary Checks Printed at the Counter$4Within the typical range ($1–$4 nationally)
$2 above the national median$1 above the California median
per item · per sheet · Source
Non-member Cashing a Check Drawn on AFCU$10Within the typical range ($5–$10 nationally)
$5 above the national median$4 above the California median
per item · Source

Digital & ElectronicVerified

/ ea.; Active if Bill Pay or Zelle are used monthly)$5.95Within the typical range ($0–$9.95 nationally)
$3.45 above the national median$0.95 above the California median
per month · Source
Bill Pay – unlimited bills…………………………………$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$5 below the California median
Source
Bill Pay: DMV Duplicate Title or Lien Release$25Above the typical range ($0–$9.95 nationally)
$22.50 above the national median$20 above the California median
per item · Source
Check-By-Phone Payment$10Above the typical range ($0–$9.95 nationally)
$7.50 above the national median$5 above the California median
per item · Source
Lifetime Membership Fee……………………………$5Within the typical range ($0–$9.95 nationally)
$2.50 above the national medianAt the California median
one time · Source

Cash & DepositVerified

Returned Deposit Item/Payment Fee………………………$20Within the typical range ($8–$25 nationally)
$5 above the national median$2 above the California median
per item · Source

Account ServicesVerified

Early Closure of Account (within 90 days of opening)………$25Above the typical range ($0–$5 nationally)
$22.50 above the national median$10 above the California median
Source
Legal Processing Fee.……………………………………….$60Within the typical range ($30–$100 nationally)
$10 above the national median$10 above the California median
per item · Knox extract.rules v17 categorized a line held for review from Rosetta artifact #4010. canonical_hint=legal_process; text_hash=9d9ac5cf34481fe5ee02a4f4bc7d67a02b399bd15f775aa89a5d347d776d2785; excerpt="Legal Processing Fee.………………………………………. $60/ order | Premium Money Market………………………………….... $10/ month" · Source
Verification of Deposit/Account$20Above the typical range ($5–$15 nationally)
$10 above the national median$10 above the California median
per item · Source

Lending FeesVerified

Credit Card Late Payment$15Within the typical range ($10–$25 nationally)
$5 below the national median$5 below the California median
per item · Source

Retirement & IRAVerified

IRA Maintenance Fee$10Within the typical range ($10–$25 nationally)
$5 below the national median$5 below the California median
per year · Source

Gift & Prepaid CardsVerified

Gift Card$3Within the typical range ($3–$4.95 nationally)
$0.50 below the national median$0.50 below the California median
per item · Source

Other FeesVerified

Copy of Statement, Transaction, Check, Forms…………$5Within the typical range ($2–$5 nationally)
$2 above the national median$0.50 above the California median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Other accounts available with no monthly service fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5.50 below the California median	per month	—	Source
Minimum balance fee (Single Srvc)	$15Above the typical range ($5–$10 nationally)	$8 above the national median$10 above the California median	—	—	Source
Account Research……………………………………………	$20Within the typical range ($12–$25 nationally)	$2.50 above the national medianAt the California median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee/Non-Sufficient Funds (NSF) Fee…………	$29Within the typical range ($25–$33 nationally)	$1 below the national median$4 above the California median	per item	—	Source
Overdraft Continuous Negative Balance Fee……………	$5
ATM & CardVerified
ATM Networks non-AFCU, Non CO-OP Locations……….	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the California median	per item	—	Source
Replacement of Card	$10
Wire TransfersVerified
Wire Trans	$25Within the typical range ($20–$25 nationally)	At the national medianAt the California median	per item	—	Source
Check ServicesVerified
Corporate Check……………………………………………	$5Within the typical range ($3–$6 nationally)	At the national medianAt the California median	per item	—	Source
Zelle Stop Payment	$29
Digital & ElectronicVerified
/ ea.; Active if Bill Pay or Zelle are used monthly)	$5.95Within the typical range ($0–$9.95 nationally)	$3.45 above the national median$0.95 above the California median	per month	—	Source
Bill Pay – unlimited bills…………………………………	$0
Cash & DepositVerified
Returned Deposit Item/Payment Fee………………………	$20Within the typical range ($8–$25 nationally)	$5 above the national median$2 above the California median	per item	—	Source
Account ServicesVerified
Early Closure of Account (within 90 days of opening)………	$25Above the typical range ($0–$5 nationally)	$22.50 above the national median$10 above the California median	—	—	Source
Legal Processing Fee.……………………………………….	$60
Lending FeesVerified
Credit Card Late Payment	$15Within the typical range ($10–$25 nationally)	$5 below the national median$5 below the California median	per item	—	Source
Retirement & IRAVerified
IRA Maintenance Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median$5 below the California median	per year	—	Source
Gift & Prepaid CardsVerified
Gift Card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$0.50 below the California median	per item	—	Source
Other FeesVerified
Copy of Statement, Transaction, Check, Forms…………	$5Within the typical range ($2–$5 nationally)	$2 above the national median$0.50 above the California median	per item	—	Source

Against California credit unions

Overdraft
$29.00
Of 79 others that publish it, 59 lower, 6 the same and 14 higher.
Monthly maintenance
$0.00
Of 54 others that publish it, 0 lower, 9 the same and 45 higher.

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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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

28 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$1.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.4B

Total deposits

$1.2B

Service charge income (year to date)

$1.2M

Fee income ratio

3.3%

Return on assets

0.80%

Financial profile · Pro

Performance from regulator filings

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Based on 65,356 published fee entries from 3,591 institutions

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