El Monte Community Federal Credit Union

Headquarters: El Monte, California
Charter: Credit Union
Assets: $34.4M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 25, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
ACH/Share Drafts
El Monte Community Federal Credit Union: $14
El Monte Community Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
ACH/Share Drafts
El Monte Community Federal Credit Union: $14
El Monte Community Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
El Monte Community Federal Credit Union: $5
El Monte Community Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 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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Published fee schedule

Amounts from El Monte Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheatment Fee$6
Inactive Accounts Fee (12 months of no Activity/Dormant)$2
per month
Investigation/Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Investigation/Account Reconciliation | $25.00 per hour
Paper Statement (Account Print-Out)$3
Excessive Withdrawals (Regulation D - More Than 6)$1.50
Not compared: Monthly charge, not per item
per month
Invalid Address Fee$3
per month

Overdraft & NSF

Courtesy Pay (ACH/Share Drafts)$14
NSF Returned Items (ACH/Share Drafts)$14
Overdraft from Line of Credit$5
per item
Overdraft from Savings$5
per item

ATM & Card

ATM Transactions (Outside of Network)$5
Replacement Card$10
per item
Card Replacement Rush$50

Wire Transfers

Domestic Wire Transfer$15
International Wire Transfer$30

Check Services

Credit Union Official Check (One free check per week)$1.50
Stale Date Credit Union Official Check Fee$22
Money Orders$2.50
Stop Payment (each item)$22
per item
Photocopy of Share Drafts (per item)$3
per item

Account Services

Notary Service (free for CU related documents)$15
per item
Garnishment$30
per item
Tax Levy$30
per item
Loan Subordination Fee$150
Verification Letter$15
Verification of Deposits$5

Lending Fees

Late Fee$15
per item

Retirement & IRA

Annual IRA Maintenance Fee$25
per year

Vehicle & Title

Duplicate Title/Lien Satisfied$15

Other Fees

Fax Fees (Local)$0.25
Not compared: Charged per page; comparison unavailable
per page · Fax Fees (Local) | $0.25 per page
Fax Fees (Non-Local)$1
Not compared: Charged per page; comparison unavailable
per page · Fax Fees (Non-Local) | $1.00 per page
Statement Copy (per month)$5
Not compared: Monthly charge, not per item
per month
Deed of Trust Reconveyance Fee$95
Skip-a-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Escheatment Fee	$6	Not stated	None
Inactive Accounts Fee (12 months of no Activity/Dormant)	$2	per month	None
Investigation/Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Investigation/Account Reconciliation \| $25.00 per hour
Paper Statement (Account Print-Out)	$3	Not stated	None
Excessive Withdrawals (Regulation D - More Than 6)	$1.50Not compared: Monthly charge, not per item	per month	None
Invalid Address Fee	$3	per month	None
Overdraft & NSF
Courtesy Pay (ACH/Share Drafts)	$14	Not stated	None
NSF Returned Items (ACH/Share Drafts)	$14	Not stated	None
Overdraft from Line of Credit	$5	per item	None
Overdraft from Savings	$5	per item	None
ATM & Card
ATM Transactions (Outside of Network)	$5	Not stated	None
Replacement Card	$10	per item	None
Card Replacement Rush	$50	Not stated	None
Wire Transfers
Domestic Wire Transfer	$15	Not stated	None
International Wire Transfer	$30	Not stated	None
Check Services
Credit Union Official Check (One free check per week)	$1.50	Not stated	None
Stale Date Credit Union Official Check Fee	$22	Not stated	None
Money Orders	$2.50	Not stated	None
Stop Payment (each item)	$22	per item	None
Photocopy of Share Drafts (per item)	$3	per item	None
Account Services
Notary Service (free for CU related documents)	$15	per item	None
Garnishment	$30	per item	None
Tax Levy	$30	per item	None
Loan Subordination Fee	$150	Not stated	None
Verification Letter	$15	Not stated	None
Verification of Deposits	$5	Not stated	None
Lending Fees
Late Fee	$15	per item	None
Retirement & IRA
Annual IRA Maintenance Fee	$25	per year	None
Vehicle & Title
Duplicate Title/Lien Satisfied	$15	Not stated	None
Other Fees
Fax Fees (Local)	$0.25Not compared: Charged per page; comparison unavailable	per page	Fax Fees (Local) \| $0.25 per page
Fax Fees (Non-Local)	$1Not compared: Charged per page; comparison unavailable	per page	Fax Fees (Non-Local) \| $1.00 per page
Statement Copy (per month)	$5Not compared: Monthly charge, not per item	per month	None
Deed of Trust Reconveyance Fee	$95	Not stated	None
Skip-a-Payment	$35	Not stated	None

Correct a fee source

Oct 25, 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.

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