Valley Federal Credit Union

Headquarters: Brownsville, Texas
Charter: Credit Union
Assets: $119.1M
Fed district: Dallas

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $4, the middle of its prices
Valley Federal Credit Union: $0 to $8
Valley Federal Credit Union: $0 to $8
U.S. median: no median
Overdraft (OD)
Valley Federal Credit Union: $30
Valley Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Valley Federal Credit Union: $30
Valley Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 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 Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$8
per month
No Monthly Fee, No Minimum BalanceNo charge
per month
Closed Account Fee (180 Days)$25
Not compared: Monthly charge, not per item
per month
Inactive Dormant Accounts (After 18 Months)$5
Mailed Paper Statement$3
Returned Mail Fee$5

Overdraft & NSF

Courtesy Pay up to: (Per Transaction)$30
per transaction
Non-Sufficient Funds (NSF)$30
Overdraft Transfer Fee$8

ATM & Card

Replacement Visa Debit Card$12
per transaction

Check Services

VFCU Official Checks$5
Money Orders$2.55
1 Stop Payment (Personal Check/ACH)No charge
Collection Items$10
Fax copy of a check$6

Cash & Deposit

Charge Back Fee$30

Account Services

Notary Services$5
Drill Fee$95
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$75
Safe Deposit Box 5x10$55

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$8	per month	None
No Monthly Fee, No Minimum Balance	No charge	per month	None
Closed Account Fee (180 Days)	$25Not compared: Monthly charge, not per item	per month	None
Inactive Dormant Accounts (After 18 Months)	$5	Not stated	None
Mailed Paper Statement	$3	Not stated	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay up to: (Per Transaction)	$30	per transaction	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
Overdraft Transfer Fee	$8	Not stated	None
ATM & Card
Replacement Visa Debit Card	$12	per transaction	None
Check Services
VFCU Official Checks	$5	Not stated	None
Money Orders	$2.55	Not stated	None
1 Stop Payment (Personal Check/ACH)	No charge	Not stated	None
Collection Items	$10	Not stated	None
Fax copy of a check	$6	Not stated	None
Cash & Deposit
Charge Back Fee	$30	Not stated	None
Account Services
Notary Services	$5	Not stated	None
Drill Fee	$95Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$75	Not stated	None
Safe Deposit Box 5x10	$55	Not stated	None

Correct a fee source

Oct 6, 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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