Members Choice Of Central Texas Federal Credit Union

Headquarters: Waco, Texas
Charter: Credit Union
Assets: $212.9M
Fed district: Dallas

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

Overdraft (OD)
Members Choice Of Central Texas Federal Credit Union: $35
Members Choice Of Central Texas Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Members Choice Of Central Texas Federal Credit Union: $35
Members Choice Of Central Texas Federal Credit Union: $35
U.S. median: no median
Stop Payment
Members Choice Of Central Texas Federal Credit Union: $35
Members Choice Of Central Texas Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas 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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Members Choice Of Central Texas Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closure fee (audience not stated, treated as personal)$3
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Privilege fee$35
per item
Non-sufficient funds item$35
per item
Overdraft transfer$2
per item

ATM & Card

ATM (checking & savings)$2
Not compared: Monthly charge, not per item
per month
Replace ATM or debit card$10
per item

Check Services

Cashier's & Teller checks$3
per item
Money orders$2
per item
Share Draft/Check printing: Returned unpaid items$35
per item
Stop Payments - ACH Payment (valid for 1 payment)$35
per item
Stop Payments - Share Draft (6 months & 1 time)$35
per item
Temporary checks$5
per item · 4 checks
Collection items$25
per item
Copy of check or draft$3
per item

Cash & Deposit

Coin Counting Fee (audience not stated, treated as personal)5%
Cash Advance - MasterCard, Visa or Discover (audience not stated, treated as personal)2%of the advance

Account Services

Safe Deposit Box 3 x 10$45
Safe Deposit Box 3 x 5$30
Safe Deposit Box 5 x 10$60
Safe deposit rent late fee$15
Not compared: Box drilling or key fee
Administrative Fee for Levys or Garnishments$25

Other Fees

Fax services 1st page$3.50
PhotocopiesNo charge

Fee	Amount	Basis	Note
Account Maintenance
Closure fee (audience not stated, treated as personal)	$3	Not stated	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Privilege fee	$35	per item	None
Non-sufficient funds item	$35	per item	None
Overdraft transfer	$2	per item	None
ATM & Card
ATM (checking & savings)	$2Not compared: Monthly charge, not per item	per month	None
Replace ATM or debit card	$10	per item	None
Check Services
Cashier's & Teller checks	$3	per item	None
Money orders	$2	per item	None
Share Draft/Check printing: Returned unpaid items	$35	per item	None
Stop Payments - ACH Payment (valid for 1 payment)	$35	per item	None
Stop Payments - Share Draft (6 months & 1 time)	$35	per item	None
Temporary checks	$5	per item	4 checks
Collection items	$25	per item	None
Copy of check or draft	$3	per item	None
Cash & Deposit
Coin Counting Fee (audience not stated, treated as personal)	5%	Not stated	None
Cash Advance - MasterCard, Visa or Discover (audience not stated, treated as personal)	2%of the advance	Not stated	None
Account Services
Safe Deposit Box 3 x 10	$45	Not stated	None
Safe Deposit Box 3 x 5	$30	Not stated	None
Safe Deposit Box 5 x 10	$60	Not stated	None
Safe deposit rent late fee	$15Not compared: Box drilling or key fee	Not stated	None
Administrative Fee for Levys or Garnishments	$25	Not stated	None
Other Fees
Fax services 1st page	$3.50	Not stated	None
Photocopies	No charge	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

Feb 17, 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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