23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Premium Checking $4.95 · Second Chance Checking Account $20
Compared at $12.48, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Houston Texas Fire Fighters Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premium Checking Monthly service charge (audience not stated, treated as personal) | $4.95 | per month | None |
| Second Chance Checking Account Monthly service charge | $20 | per month | None |
| Inactive Account (no activity for one year) (Doesn't apply to memberships with certificates) | $10 | per month | None |
| Account Balancing Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (half hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail/ Bad Address | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Tolerance (For Checks, ACH and reoccurring Debit Card Transactions) | $28 | Not stated | None |
ATM & Card | |||
| Card - Debit Card/Credit Card/ATM Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer (Domestic Only) | $20 | Not stated | None |
| Incoming Wire Transfer | No charge | Not stated | None |
Check Services | |||
| Cashier's Check (payable to 3rd party) Cashier's Check (if 258 Club member) | $5 | Not stated | None |
| Money Order (if 258 Club member) | $2 | Not stated | None |
| Temporary Checks (8) | $5 | one time | None |
| Check Cashing | No charge | Not stated | None |
| Collection Item | $20 | Not stated | None |
| Check Copies - 1 to 50 copies Check Copies - 51+ copies Check Copies | $3 | per item | None |
| Online Check Copies | No charge | Not stated | None |
Digital & Electronic | |||
| Bill Pay - Next Business Day Rush Payment (audience not stated, treated as personal) | $19.95Not compared: Per-occurrence charge, not monthly | per item | None |
Cash & Deposit | |||
| Coin Counter Services | No charge | Not stated | None |
| Cash Advance (on Debit Card) On HTFFFCU Credit Card Non-member cash advance | No charge | Not stated | None |
| Return Deposit Item | $5 | Not stated | None |
Account Services | |||
| Notary Services (members only) | No charge | Not stated | None |
| Garnishments/Levies | $50 | Not stated | None |
| Verification of deposit or mortgage | $10 | Not stated | None |
Lending Fees | |||
| Consumer Loan Late Payments | $29 | Not stated | None |
| Credit Card Late Charge | $29 | Not stated | None |
Retirement & IRA | |||
| IRA Closure | No charge | Not stated | None |
Other Fees | |||
| Document Copy | $3 | per item | None |
| Online Loan Application | 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
Nov 4, 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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