South Bay Federal Credit Union

Headquarters: Redondo Beach, California
Charter: Credit Union
Assets: $160.6M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 11, 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
Reset Checking
South Bay Federal Credit Union: $15
South Bay Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
South Bay Federal Credit Union: $14
South Bay Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
South Bay Federal Credit Union: $14
South Bay Federal Credit Union: $14
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

South Bay Federal Credit Union · $161M 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 16 states.

Credit unions only
$156M to $164M in assets
Headquartered in 16 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
South Bay Federal Credit Union(this institution)	Redondo Beach, CA	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Best Reward Federal Credit Union	Brook Park, OH	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bfg Federal Credit Union	Akron, OH	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Communities Of Abilene Federal Credit Union	Abilene, TX	$161M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Community Service Federal Credit Union	Huntsville, TX	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Epic Federal Credit Union	Metairie, LA	$164M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fd Community Federal Credit Union	Waterbury, CT	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Choice Federal Credit Union	West Palm Beach, FL	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Georgia Heritage Federal Credit Union	Savannah, GA	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harbor Pointe Federal Credit Union	Duluth, MN	$158M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hartford Federal Credit Union	Hartford, CT	$160M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hello Federal Credit Union	Panama City, FL	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kerr County Federal Credit Union	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kings Federal Credit Union	Hanford, CA	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincoln Maine Federal Credit Union	Lincoln, ME	$163M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnesota Power Employees Federal Credit Union	Duluth, MN	$162M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Priority One Credit Union	Sunrise, FL	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Scenic Community Federal Credit Union	Hixson, TN	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shoreline Federal Credit Union	Two Rivers, WI	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southern Chautauqua Federal Credit Union	Lakewood, NY	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Focus Federal Credit Union	Oklahoma City, OK	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wayne-Westland Federal Credit Union	Westland, MI	$161M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $7.75 (107%) above the median of similar-sized credit unions.

Its published price is $15, against a peer median of $7.25 among 12 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

South Bay Federal Credit…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 Oct 31, 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 South Bay Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Reset Checking Monthly service charge (audience not stated, treated as personal)$15
per month
Inactivity/Dormancy/Escheat Processing$5
Paper Statement$5
Returned Mail$5

Overdraft & NSF

Courtesy Pay (Check, ACH, Debit card)$14
NSF Check$14
per item
Returned Item$14

ATM & Card

Replace Card 1 free per year$25
per item
Rush Debit Card$35
Foreign Transactions1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing/Domestic$25
Wire Transfer: Outgoing/Foreign$50
Wire Transfer: Outgoing/Foreign$25

Check Services

ACH Stop Payment$20
Bill Pay/Check Stop Payment$20
per item
Stop Payment Request$20
Temporary Checks$2
per item
Non-member Check Cashing Fee$15

Cash & Deposit

Cash Advance$10

Account Services

Legal Processing$50

Lending Fees

Late Charge$10

Fee	Amount	Basis	Note
Account Maintenance
Reset Checking Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Inactivity/Dormancy/Escheat Processing	$5	Not stated	None
Paper Statement	$5	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (Check, ACH, Debit card)	$14	Not stated	None
NSF Check	$14	per item	None
Returned Item	$14	Not stated	None
ATM & Card
Replace Card 1 free per year	$25	per item	None
Rush Debit Card	$35	Not stated	None
Foreign Transactions	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing/Domestic	$25	Not stated	None
Wire Transfer: Outgoing/Foreign	$50	Not stated	None
Wire Transfer: Outgoing/Foreign	$25	Not stated	None
Check Services
ACH Stop Payment	$20	Not stated	None
Bill Pay/Check Stop Payment	$20	per item	None
Stop Payment Request	$20	Not stated	None
Temporary Checks	$2	per item	None
Non-member Check Cashing Fee	$15	Not stated	None
Cash & Deposit
Cash Advance	$10	Not stated	None
Account Services
Legal Processing	$50	Not stated	None
Lending Fees
Late Charge	$10	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 11, 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 South Bay Federal Credit Union's cashier's check 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
Reset Checking
South Bay Federal Credit Union: $15
South Bay Federal Credit Union: $15
U.S. median: no median
Overdraft (OD)
South Bay Federal Credit Union: $14
South Bay Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
South Bay Federal Credit Union: $14
South Bay Federal Credit Union: $14
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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).
California: Banks and credit unions headquartered in California 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

South Bay Federal Credit Union · $161M 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 16 states.

Credit unions only
$156M to $164M in assets
Headquartered in 16 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
South Bay Federal Credit Union(this institution)	Redondo Beach, CA	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Best Reward Federal Credit Union	Brook Park, OH	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bfg Federal Credit Union	Akron, OH	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Communities Of Abilene Federal Credit Union	Abilene, TX	$161M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Community Service Federal Credit Union	Huntsville, TX	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Epic Federal Credit Union	Metairie, LA	$164M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fd Community Federal Credit Union	Waterbury, CT	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Choice Federal Credit Union	West Palm Beach, FL	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Georgia Heritage Federal Credit Union	Savannah, GA	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harbor Pointe Federal Credit Union	Duluth, MN	$158M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hartford Federal Credit Union	Hartford, CT	$160M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hello Federal Credit Union	Panama City, FL	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kerr County Federal Credit Union	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kings Federal Credit Union	Hanford, CA	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincoln Maine Federal Credit Union	Lincoln, ME	$163M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnesota Power Employees Federal Credit Union	Duluth, MN	$162M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Priority One Credit Union	Sunrise, FL	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Scenic Community Federal Credit Union	Hixson, TN	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shoreline Federal Credit Union	Two Rivers, WI	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southern Chautauqua Federal Credit Union	Lakewood, NY	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Focus Federal Credit Union	Oklahoma City, OK	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wayne-Westland Federal Credit Union	Westland, MI	$161M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $7.75 (107%) above the median of similar-sized credit unions.

Its published price is $15, against a peer median of $7.25 among 12 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

South Bay Federal Credit…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 Oct 31, 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 South Bay Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Reset Checking Monthly service charge (audience not stated, treated as personal)$15
per month
Inactivity/Dormancy/Escheat Processing$5
Paper Statement$5
Returned Mail$5

Overdraft & NSF

Courtesy Pay (Check, ACH, Debit card)$14
NSF Check$14
per item
Returned Item$14

ATM & Card

Replace Card 1 free per year$25
per item
Rush Debit Card$35
Foreign Transactions1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing/Domestic$25
Wire Transfer: Outgoing/Foreign$50
Wire Transfer: Outgoing/Foreign$25

Check Services

ACH Stop Payment$20
Bill Pay/Check Stop Payment$20
per item
Stop Payment Request$20
Temporary Checks$2
per item
Non-member Check Cashing Fee$15

Cash & Deposit

Cash Advance$10

Account Services

Legal Processing$50

Lending Fees

Late Charge$10

Fee	Amount	Basis	Note
Account Maintenance
Reset Checking Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Inactivity/Dormancy/Escheat Processing	$5	Not stated	None
Paper Statement	$5	Not stated	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (Check, ACH, Debit card)	$14	Not stated	None
NSF Check	$14	per item	None
Returned Item	$14	Not stated	None
ATM & Card
Replace Card 1 free per year	$25	per item	None
Rush Debit Card	$35	Not stated	None
Foreign Transactions	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing/Domestic	$25	Not stated	None
Wire Transfer: Outgoing/Foreign	$50	Not stated	None
Wire Transfer: Outgoing/Foreign	$25	Not stated	None
Check Services
ACH Stop Payment	$20	Not stated	None
Bill Pay/Check Stop Payment	$20	per item	None
Stop Payment Request	$20	Not stated	None
Temporary Checks	$2	per item	None
Non-member Check Cashing Fee	$15	Not stated	None
Cash & Deposit
Cash Advance	$10	Not stated	None
Account Services
Legal Processing	$50	Not stated	None
Lending Fees
Late Charge	$10	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 11, 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.