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

1St Northern California Federal Credit Union

Martinez, CaliforniaCredit UnionSan Francisco Fed districtFees collected Apr 7, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

NSF Return Items (Per Presentment)$14Below the typical range ($25–$31.50 nationally)

NSF Returns / ACH Items (Per Presentment)$14

$16 below the national median

per item · Source

ATM & CardVerified

Replacement Card (1st Replacement Free, Thereafter)$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Rush ATM or Debit Card$45Within the typical range ($30–$50 nationally)
$5 above the national median
Source
Rush Credit Card$45Within the typical range ($30–$50 nationally)
$5 above the national median
one time · Source

Check ServicesVerified

Copies of Checks$3Within the typical range ($2–$5 nationally)
At the national median
Source
Stop Payments (Per Item)$14Below the typical range ($20–$30 nationally)
$12 below the national median
per item · Source

Account ServicesVerified

Notary Reimbursement Fee (receipt required)$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Source
Subordination Agreement$250Above the typical range ($46.25–$150 nationally)
$150 above the national median
Source

Other FeesVerified

Photocopy of Drafts (2 Free Per Month, Thereafter)$3Within the typical range ($2–$5 nationally)
At the national median
per month · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
NSF Return Items (Per Presentment)	$14Below the typical range ($25–$31.50 nationally)	$16 below the national median	per month	—	Source
NSF Returns / ACH Items (Per Presentment)	$14Below the typical range ($25–$31.50 nationally)	$16 below the national median	per item	—	Source
ATM & CardVerified
Replacement Card (1st Replacement Free, Thereafter)	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Rush ATM or Debit Card	$45
Check ServicesVerified
Copies of Checks	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Stop Payments (Per Item)	$14Below the typical range ($20–$30 nationally)
Account ServicesVerified
Notary Reimbursement Fee (receipt required)	$15Above the typical range ($0–$5 nationally)	$12.50 above the national median	—	—	Source
Subordination Agreement	$250
Other FeesVerified
Photocopy of Drafts (2 Free Per Month, Thereafter)	$3Within the typical range ($2–$5 nationally)	At the national median	per month	—	Source

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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.

NSF fee: $14

53% below the national median NSF fee

Total fees: 10 — leaner than most institutions

Headline fees published

3 of 15

Published fees

Under review

Assets

$829.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$829.0M

Total deposits

$720.1M

Service charge income (year to date)

$163K

Fee income ratio

0.98%

Return on assets

0.55%

Financial profile · Pro

Performance from regulator filings

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Based on 37,892 published fee entries from 2,651 institutions

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