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

Houston Texas Fire Fighters Federal Credit Union

Houston, TexasCredit UnionDallas Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing Assistance$25Within the typical range ($20–$25 nationally)

Account Research (half hour minimum)$30

$5 above the national median

Source

Inactive Account (no activity for one year) (Doesn't apply to memberships with certificates)$10

$5 above the national median

per month · Source

Overdraft & NSFVerified

Overdraft Tolerance (For Checks, ACH and reoccurring Debit Card Transactions)$28Within the typical range ($25–$32 nationally)
$2 below the national median
Source

Wire TransfersVerified

Incoming Wire Transfer$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source
Outgoing Wire Transfer (Domestic Only)$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Cashier's Check (payable to 3rd party) Cashier's Check (if 258 Club member)$5Within the typical range ($3–$5.50 nationally)
At the national median
per month · Source
Check Cashing$0Below the typical range ($5–$10 nationally)
$5 below the national median
Source
Money Order (if 258 Club member)$2Within the typical range ($1.75–$3 nationally)
At the national median
Source
Online Check Copies$0Below the typical range ($2–$5 nationally)
$3 below the national median
Source
Temporary Checks (8)$5Above the typical range ($1–$4 nationally)
$3 above the national median
one time · Source

Digital & ElectronicVerified

Bill Pay - Next Business Day Rush Payment$19.95Above the typical range ($0–$10.20 nationally)
$15 above the national median
per item · Source

Cash & DepositVerified

Cash Advance (on Debit Card) On HTFFFCU Credit Card Non-member cash advance up to$0Below the typical range ($3–$10 nationally)
$5 below the national median
Source
Return Deposit Item - If drawee is 3rd party - If a drawee is a member$5Below the typical range ($10–$25 nationally)
$10 below the national median
Source

Account ServicesVerified

Garnishments/Levies$50Within the typical range ($30–$75 nationally)
At the national median
Source
Notary Services (members only)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source
Verification of deposit or mortgage$10Within the typical range ($8.98–$15 nationally)
At the national median
Source

Lending FeesVerified

Consumer Loan Late Payments | If any payment is past due for a period of more than ten (10) days you will be charged a l$29Above the typical range ($12.75–$25 nationally)
$8 above the national median
Source

Retirement & IRAVerified

IRA Closure$0Below the typical range ($25–$35 nationally)
$25 below the national median
Source

Other FeesVerified

Online Loan Application$0Below the typical range ($22.50–$35 nationally)
$30 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Assistance	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Account Research (half hour minimum)	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Inactive Account (no activity for one year) (Doesn't apply to memberships with certificates)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Overdraft & NSFVerified
Overdraft Tolerance (For Checks, ACH and reoccurring Debit Card Transactions)	$28Within the typical range ($25–$32 nationally)	$2 below the national median	—	—	Source
Wire TransfersVerified
Incoming Wire Transfer	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	—	Source
Outgoing Wire Transfer (Domestic Only)	$20
Check ServicesVerified
Cashier's Check (payable to 3rd party) Cashier's Check (if 258 Club member)	$5Within the typical range ($3–$5.50 nationally)	At the national median	per month	—	Source
Check Cashing	$0
Digital & ElectronicVerified
Bill Pay - Next Business Day Rush Payment	$19.95Above the typical range ($0–$10.20 nationally)	$15 above the national median	per item	—	Source
Cash & DepositVerified
Cash Advance (on Debit Card) On HTFFFCU Credit Card Non-member cash advance up to	$0Below the typical range ($3–$10 nationally)	$5 below the national median	—	—	Source
Return Deposit Item - If drawee is 3rd party - If a drawee is a member	$5
Account ServicesVerified
Garnishments/Levies	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Notary Services (members only)	$0
Lending FeesVerified
Consumer Loan Late Payments \| If any payment is past due for a period of more than ten (10) days you will be charged a l	$29Above the typical range ($12.75–$25 nationally)	$8 above the national median	—	—	Source
Retirement & IRAVerified
IRA Closure	$0Below the typical range ($25–$35 nationally)	$25 below the national median	—	—	Source
Other FeesVerified
Online Loan Application	$0Below the typical range ($22.50–$35 nationally)	$30 below the national median	—	—	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.

Overdraft

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 21 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$401.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$401.3M

Total deposits

$340.3M

Service charge income (year to date)

$718K

Fee income ratio

6.8%

Return on assets

0.83%

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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