Desert Financial Federal Credit Union

Headquarters: Phoenix, Arizona
Charter: Credit Union
Assets: $9.9B
Fed district: San Francisco

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

Source: its fee schedule, read Oct 20, 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
Desert Financial Federal Credit Union: $4.95
Desert Financial Federal Credit Union: $4.95
U.S. median: no median
Overdraft (OD)
Desert Financial Federal Credit Union: $30
Desert Financial Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Desert Financial Federal Credit Union: $1 to $2
Desert Financial Federal Credit Union: $1 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Monthly Service Fee$4.95
per month
Closure Within 90 Days$25
ESCHEATMENT (per share)$100
Monthly Inactive Sub-Account2,4$5
per month
ACCOUNT RESEARCH (per 15 min)$5

Overdraft & NSF

Overdraft Fee$30
Overdraft Protection TransferNo charge

ATM & Card

ATM Balance Inquiry (audience not stated, treated as personal)$1
ATM Transaction$2

Wire Transfers

Outgoing Domestic Wire$20
Incoming Wire (audience not stated, treated as personal)$10

Check Services

Cashier’s Check$5
Not compared: Annual charge, not per item
per year
Money Order (audience not stated, treated as personal)$3
Stop Payment (audience not stated, treated as personal)$35
COUNTER CHECKS (per page of four)$1
per item

Digital & Electronic

ACH Origination (audience not stated, treated as personal)$20

Account Services

Notary Fee$10
Replacement Key (audience not stated, treated as personal)$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10 (audience not stated, treated as personal)$150
Safe Deposit Box 11x16 (audience not stated, treated as personal)$190
Safe Deposit Box 3x10 (audience not stated, treated as personal)$75
Safe Deposit Box 3x5 (audience not stated, treated as personal)$45
Safe Deposit Box 5x10 (audience not stated, treated as personal)$90
Safe Deposit Box 5x5 (audience not stated, treated as personal)$55
Legal Processing Fee$100

Retirement & IRA

Outgoing IRA Transfer$25

Other Fees

Loan Payment by Phone$7.50

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$4.95	per month	None
Closure Within 90 Days	$25	Not stated	None
ESCHEATMENT (per share)	$100	Not stated	None
Monthly Inactive Sub-Account2,4	$5	per month	None
ACCOUNT RESEARCH (per 15 min)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$30	Not stated	None
Overdraft Protection Transfer	No charge	Not stated	None
ATM & Card
ATM Balance Inquiry (audience not stated, treated as personal)	$1	Not stated	None
ATM Transaction	$2	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	Not stated	None
Incoming Wire (audience not stated, treated as personal)	$10	Not stated	None
Check Services
Cashier’s Check	$5Not compared: Annual charge, not per item	per year	None
Money Order (audience not stated, treated as personal)	$3	Not stated	None
Stop Payment (audience not stated, treated as personal)	$35	Not stated	None
COUNTER CHECKS (per page of four)	$1	per item	None
Digital & Electronic
ACH Origination (audience not stated, treated as personal)	$20	Not stated	None
Account Services
Notary Fee	$10	Not stated	None
Replacement Key (audience not stated, treated as personal)	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$150	Not stated	None
Safe Deposit Box 11x16 (audience not stated, treated as personal)	$190	Not stated	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box 5x5 (audience not stated, treated as personal)	$55	Not stated	None
Legal Processing Fee	$100	Not stated	None
Retirement & IRA
Outgoing IRA Transfer	$25	Not stated	None
Other Fees
Loan Payment by Phone	$7.50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 20, 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 Desert Financial Federal Credit Union's early account closure changes in our data

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