Copper State Federal Credit Union

Headquarters: Phoenix, Arizona
Charter: Credit Union
Assets: $700.8M
Fed district: San Francisco

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Copper State Federal Credit Union: $2
Copper State Federal Credit Union: $2
U.S. median: no median
Overdraft (OD)
Copper State Federal Credit Union: $33
Copper State Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Copper State Federal Credit Union: $33
Copper State Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arizona: Banks and credit unions headquartered in Arizona that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Copper State Federal Credit Union · $701M 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 17 states.

Credit unions only
$675M to $730M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Copper State Federal Credit Union(this institution)	Phoenix, AZ	$701M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Abilene Teachers Federal Credit Union	Abilene, TX	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apci Federal Credit Union	Lehigh Valley, PA	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bellwether Community Federal Credit Union	Manchester, NH	$675M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fort Bragg Federal Credit Union	Fayetteville, NC	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Innovations Financial Federal Credit Union	Panama City, FL	$696M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Legacy Community Federal Credit Union	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lokahi Federal Credit Union	Honolulu, HI	$702M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mainstreet Federal Credit Union	Lenexa, KS	$703M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mypoint Federal Credit Union	San Diego, CA	$705M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
O Bee Federal Credit Union	Lacey, WA	$677M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Umassfive College Federal Credit Union	Hadley, MA	$703M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
We Florida Financial Federal Credit Union	Fort Lauderdale, FL	$700M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (60%) below the median of similar-sized credit unions.

Its published price is $2, against a peer median of $5 among 13 publishing peers.

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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Copper State Federal Cred…Peer (equal prices stack)Peer median

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 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Copper State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$2
per month
Inactive Account$10
per month
ORSC 01-23-25 3 Our Service Charges Service Fee Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
3 For members who prefer paper statements$2
per month
Bad Address$10
per month

Overdraft & NSF

Overdraft$33
per item
Insufficient Funds (Returned)$33
per item

ATM & Card

Foreign ATM Transaction$1
per item
Debit Card Replacement$10
per item
Debit Card Expedited Delivery$45

Wire Transfers

Outgoing Domestic Wire$20
per item

Check Services

Official Check Purchase$5
per item
Stop Payment$30

Cash & Deposit

CoinStar Fee2.6%

Account Services

Safe Deposit Box 3” x 10”$40
Safe Deposit Box Rental: 10” x 10”$85
Safe Deposit Box Rental: 5” x 10”$50
Legal Processing Fee$35

Other Fees

Skip-A-Pay$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$2	per month	None
Inactive Account	$10	per month	None
ORSC 01-23-25 3 Our Service Charges Service Fee Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
3 For members who prefer paper statements	$2	per month	None
Bad Address	$10	per month	None
Overdraft & NSF
Overdraft	$33	per item	None
Insufficient Funds (Returned)	$33	per item	None
ATM & Card
Foreign ATM Transaction	$1	per item	None
Debit Card Replacement	$10	per item	None
Debit Card Expedited Delivery	$45	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	per item	None
Check Services
Official Check Purchase	$5	per item	None
Stop Payment	$30	Not stated	None
Cash & Deposit
CoinStar Fee	2.6%	Not stated	None
Account Services
Safe Deposit Box 3” x 10”	$40	Not stated	None
Safe Deposit Box Rental: 10” x 10”	$85	Not stated	None
Safe Deposit Box Rental: 5” x 10”	$50	Not stated	None
Legal Processing Fee	$35	Not stated	None
Other Fees
Skip-A-Pay	$30	per item	None

Correct a fee source

Oct 6, 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

Get an email when Copper State Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Copper State Federal Credit Union: $2
Copper State Federal Credit Union: $2
U.S. median: no median
Overdraft (OD)
Copper State Federal Credit Union: $33
Copper State Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Copper State Federal Credit Union: $33
Copper State Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arizona: Banks and credit unions headquartered in Arizona that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Copper State Federal Credit Union · $701M 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 17 states.

Credit unions only
$675M to $730M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Copper State Federal Credit Union(this institution)	Phoenix, AZ	$701M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Abilene Teachers Federal Credit Union	Abilene, TX	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apci Federal Credit Union	Lehigh Valley, PA	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bellwether Community Federal Credit Union	Manchester, NH	$675M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fort Bragg Federal Credit Union	Fayetteville, NC	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Innovations Financial Federal Credit Union	Panama City, FL	$696M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Legacy Community Federal Credit Union	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lokahi Federal Credit Union	Honolulu, HI	$702M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mainstreet Federal Credit Union	Lenexa, KS	$703M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mypoint Federal Credit Union	San Diego, CA	$705M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
O Bee Federal Credit Union	Lacey, WA	$677M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Umassfive College Federal Credit Union	Hadley, MA	$703M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
We Florida Financial Federal Credit Union	Fort Lauderdale, FL	$700M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (60%) below the median of similar-sized credit unions.

Its published price is $2, against a peer median of $5 among 13 publishing peers.

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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Copper State Federal Cred…Peer (equal prices stack)Peer median

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 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Copper State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$2
per month
Inactive Account$10
per month
ORSC 01-23-25 3 Our Service Charges Service Fee Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
3 For members who prefer paper statements$2
per month
Bad Address$10
per month

Overdraft & NSF

Overdraft$33
per item
Insufficient Funds (Returned)$33
per item

ATM & Card

Foreign ATM Transaction$1
per item
Debit Card Replacement$10
per item
Debit Card Expedited Delivery$45

Wire Transfers

Outgoing Domestic Wire$20
per item

Check Services

Official Check Purchase$5
per item
Stop Payment$30

Cash & Deposit

CoinStar Fee2.6%

Account Services

Safe Deposit Box 3” x 10”$40
Safe Deposit Box Rental: 10” x 10”$85
Safe Deposit Box Rental: 5” x 10”$50
Legal Processing Fee$35

Other Fees

Skip-A-Pay$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$2	per month	None
Inactive Account	$10	per month	None
ORSC 01-23-25 3 Our Service Charges Service Fee Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
3 For members who prefer paper statements	$2	per month	None
Bad Address	$10	per month	None
Overdraft & NSF
Overdraft	$33	per item	None
Insufficient Funds (Returned)	$33	per item	None
ATM & Card
Foreign ATM Transaction	$1	per item	None
Debit Card Replacement	$10	per item	None
Debit Card Expedited Delivery	$45	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	per item	None
Check Services
Official Check Purchase	$5	per item	None
Stop Payment	$30	Not stated	None
Cash & Deposit
CoinStar Fee	2.6%	Not stated	None
Account Services
Safe Deposit Box 3” x 10”	$40	Not stated	None
Safe Deposit Box Rental: 10” x 10”	$85	Not stated	None
Safe Deposit Box Rental: 5” x 10”	$50	Not stated	None
Legal Processing Fee	$35	Not stated	None
Other Fees
Skip-A-Pay	$30	per item	None

Correct a fee source

Oct 6, 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.