University Federal Credit Union

Headquarters: Austin, Texas
Charter: Credit Union
Assets: $4.3B
Fed district: Dallas

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Plus Checking
Can be waived with a balance of $10,000 or more.
University Federal Credit Union: $10
University Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
University Federal Credit Union: $35
University Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
University Federal Credit Union: $1
University Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 University Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Plus Checking Monthly service fee$10
per month
Escheat (audience not stated, treated as personal)$10
Inactive Account (audience not stated, treated as personal)$5
per month
Account Research/Reconciliation (audience not stated, treated as personal)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Item$35
Debit Card/ATM Courtesy Pay Item$35
Courtesy Pay Item (w/Account Overdraft Transfer) (audience not stated, treated as personal)$35

ATM & Card

ATM Transaction$1
Replacement Card$5
International Transaction Fee1%of the transaction

Wire Transfers

Wire - Outgoing Domestic (audience not stated, treated as personal)$20

Check Services

Cashier’s Check (audience not stated, treated as personal)$2
per item
Cashier’s Check (non-Member) (audience not stated, treated as personal)$5
per item
Money Order (audience not stated, treated as personal)$1
Stop Payment (audience not stated, treated as personal)$30
Stop Payment (audience not stated, treated as personal)$20
Temporary Checks (audience not stated, treated as personal)$0.50
per item
Check Copy (audience not stated, treated as personal)$2

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)1%of the advance ($5 minimum)
Charge Back Item (audience not stated, treated as personal)$30
Deposited Item Returned (audience not stated, treated as personal)$5

Account Services

Drilling (audience not stated, treated as personal)$175
Not compared: Box drilling or key fee
Emergency Drilling No-Show (audience not stated, treated as personal)$85
Not compared: Box drilling or key fee
Lost Key (audience not stated, treated as personal)$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10 x 10 x 22 (audience not stated, treated as personal)$75
per year
Safe Deposit Box 15 x 10 x 22 (audience not stated, treated as personal)$115
per year
Safe Deposit Box 15 x 15 x 22 (audience not stated, treated as personal)$165
per year
Safe Deposit Box 3 x 10 x 22 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 3 x 5 x 22 (audience not stated, treated as personal)$15
per year
Safe Deposit Box 31.5 x 15 x 22 (audience not stated, treated as personal)$350
per year
Safe Deposit Box 5 x 10 x 22 (audience not stated, treated as personal)$50
per year
Safe Deposit Box 5 x 5 x 22 (audience not stated, treated as personal)$25
per year
Legal Process (IRS levies, garnishments, etc.) (audience not stated, treated as personal)$50
Verification of Deposit (audience not stated, treated as personal)$5

Lending Fees

Late Fee (audience not stated, treated as personal)$29
Late Fee (audience not stated, treated as personal)$25

Other Fees

Statement Copy (audience not stated, treated as personal)$2
Skip-A-Pay (audience not stated, treated as personal)$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Plus Checking Monthly service fee	$10	per month	None
Escheat (audience not stated, treated as personal)	$10	Not stated	None
Inactive Account (audience not stated, treated as personal)	$5	per month	None
Account Research/Reconciliation (audience not stated, treated as personal)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Item	$35	Not stated	None
Debit Card/ATM Courtesy Pay Item	$35	Not stated	None
Courtesy Pay Item (w/Account Overdraft Transfer) (audience not stated, treated as personal)	$35	Not stated	None
ATM & Card
ATM Transaction	$1	Not stated	None
Replacement Card	$5	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire - Outgoing Domestic (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Cashier’s Check (audience not stated, treated as personal)	$2	per item	None
Cashier’s Check (non-Member) (audience not stated, treated as personal)	$5	per item	None
Money Order (audience not stated, treated as personal)	$1	Not stated	None
Stop Payment (audience not stated, treated as personal)	$30	Not stated	None
Stop Payment (audience not stated, treated as personal)	$20	Not stated	None
Temporary Checks (audience not stated, treated as personal)	$0.50	per item	None
Check Copy (audience not stated, treated as personal)	$2	Not stated	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	1%of the advance ($5 minimum)	Not stated	None
Charge Back Item (audience not stated, treated as personal)	$30	Not stated	None
Deposited Item Returned (audience not stated, treated as personal)	$5	Not stated	None
Account Services
Drilling (audience not stated, treated as personal)	$175Not compared: Box drilling or key fee	Not stated	None
Emergency Drilling No-Show (audience not stated, treated as personal)	$85Not compared: Box drilling or key fee	Not stated	None
Lost Key (audience not stated, treated as personal)	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10 x 10 x 22 (audience not stated, treated as personal)	$75	per year	None
Safe Deposit Box 15 x 10 x 22 (audience not stated, treated as personal)	$115	per year	None
Safe Deposit Box 15 x 15 x 22 (audience not stated, treated as personal)	$165	per year	None
Safe Deposit Box 3 x 10 x 22 (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 3 x 5 x 22 (audience not stated, treated as personal)	$15	per year	None
Safe Deposit Box 31.5 x 15 x 22 (audience not stated, treated as personal)	$350	per year	None
Safe Deposit Box 5 x 10 x 22 (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 5 x 5 x 22 (audience not stated, treated as personal)	$25	per year	None
Legal Process (IRS levies, garnishments, etc.) (audience not stated, treated as personal)	$50	Not stated	None
Verification of Deposit (audience not stated, treated as personal)	$5	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	$29	Not stated	None
Late Fee (audience not stated, treated as personal)	$25	Not stated	None
Other Fees
Statement Copy (audience not stated, treated as personal)	$2	Not stated	None
Skip-A-Pay (audience not stated, treated as personal)	$25	per item	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

Oct 15, 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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