Oregon State Federal Credit Union

Headquarters: Corvallis, Oregon
Charter: Credit Union
Assets: $2.8B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 27, 2026.

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Fees against the market

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

Monthly Maintenance
Rewards Checking
Oregon State Federal Credit Union: $7
Oregon State Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Oregon State Federal Credit Union: $10
Oregon State Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Oregon State Federal Credit Union: $10
Oregon State Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oregon, 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).
Oregon: Banks and credit unions headquartered in Oregon 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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Published fee schedule

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

Account Maintenance

Rewards Checking Monthly service charge$7
per month
Less than minimum balance$3
Less than minimum balance$3
per month
Early closure fee (accounts held less than 90 days)No charge
Inactive membership fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee$3
per month
Bad address fee$5
per month
Locator research fee$25

Overdraft & NSF

Overdraft paid (Courtesy Payment)$10
per item
Fees limited to one returned item fee per day, per account$10
Returned item fee (non-sufficient funds)$10
per item
Overdraft transfer fee, per occurrenceNo charge

ATM & Card

+ third-party fees 5 third-party ATM location$10
per item
Plastic card replacement$6
per item

Wire Transfers

Incoming wire$15

Check Services

Cashier’s check$5
per item
Bill pay stop payment$25
per item
Stop payment for cashier’s check$30
Stop payment of personal check$25
Temporary checks$2
Not compared: Charged per page; comparison unavailable
per page
Check copy$5
per item

Digital & Electronic

Online account access or bill payNo charge

Cash & Deposit

In-branch cash advance service fee$15
Returned deposited item$10
per item

Account Services

Notary service$5
Not compared: Charged per document; comparison unavailable
per document · Notary service $5 / document
Safe deposit drilling fee$25
Not compared: Box drilling or key fee
per item
Safe deposit re-keying fee$25
Levy or garnishment processing fee$75

Retirement & IRA

IRA plan early closure feeNo charge

Other Fees

Interim statement copy$5
per item
Statement copy$5
Not compared: Charged per statement; comparison unavailable
per statement · Statement copy $5 / statement
Skip a Payment fee$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Rewards Checking Monthly service charge	$7	per month	None
Less than minimum balance	$3	Not stated	None
Less than minimum balance	$3	per month	None
Early closure fee (accounts held less than 90 days)	No charge	Not stated	None
Inactive membership fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee	$3	per month	None
Bad address fee	$5	per month	None
Locator research fee	$25	Not stated	None
Overdraft & NSF
Overdraft paid (Courtesy Payment)	$10	per item	None
Fees limited to one returned item fee per day, per account	$10	Not stated	None
Returned item fee (non-sufficient funds)	$10	per item	None
Overdraft transfer fee, per occurrence	No charge	Not stated	None
ATM & Card
+ third-party fees 5 third-party ATM location	$10	per item	None
Plastic card replacement	$6	per item	None
Wire Transfers
Incoming wire	$15	Not stated	None
Check Services
Cashier’s check	$5	per item	None
Bill pay stop payment	$25	per item	None
Stop payment for cashier’s check	$30	Not stated	None
Stop payment of personal check	$25	Not stated	None
Temporary checks	$2Not compared: Charged per page; comparison unavailable	per page	None
Check copy	$5	per item	None
Digital & Electronic
Online account access or bill pay	No charge	Not stated	None
Cash & Deposit
In-branch cash advance service fee	$15	Not stated	None
Returned deposited item	$10	per item	None
Account Services
Notary service	$5Not compared: Charged per document; comparison unavailable	per document	Notary service $5 / document
Safe deposit drilling fee	$25Not compared: Box drilling or key fee	per item	None
Safe deposit re-keying fee	$25	Not stated	None
Levy or garnishment processing fee	$75	Not stated	None
Retirement & IRA
IRA plan early closure fee	No charge	Not stated	None
Other Fees
Interim statement copy	$5	per item	None
Statement copy	$5Not compared: Charged per statement; comparison unavailable	per statement	Statement copy $5 / statement
Skip a Payment fee	$25	per item	None

Correct a fee source

Oct 27, 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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