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, $1B to $10B

Raiz Federal Credit Union

El Paso, TexasCredit UnionDallas Fed districtFees collected Oct 5, 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 Reconciliation$20Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds$39.95Above the typical range ($25–$31.50 nationally)
$9.95 above the national median
per item · Source
Overdraft Protection Transfer Fee3 (from deposit account)$10Above the typical range ($3–$5 nationally)
$5 above the national median
Source
Runner Collection for Insufficient Funds Fee$10Below the typical range ($25–$31.50 nationally)
$20 below the national median
per item · Source

ATM & CardVerified

ATM Foreign Transaction$5Within the typical range ($0–$5 nationally)
$3 above the national median
per transaction · Source
MasterCard Debit Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Wire Transfer (Incoming)$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source
Wire Transfer (Outgoing)$35Above the typical range ($20–$25 nationally)
$10 above the national median
Source

Check ServicesVerified

Check Photocopy$5Within the typical range ($2–$5 nationally)
$2 above the national median
per item · Source
Corporate/Cashier Check$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Non-Member Check Cashing Fee$15Above the typical range ($5–$10 nationally)
$10 above the national median
per transaction · Source
Stop Payment ACH/Corporate Check$19.95Below the typical range ($20–$30 nationally)
$6.05 below the national median
per item · Source
Stop Payment for Series of Checks in Sequence$19.95Below the typical range ($20–$30 nationally)
$6.05 below the national median
Source

Account ServicesVerified

10 x 10 Box$100Above the typical range ($25–$80 nationally)
$55 above the national median
Source
5 x 10 Box$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
Lost Key (1)$15Below the typical range ($25–$80 nationally)
$30 below the national median
Source
Notary Fee$6Above the typical range ($0–$5 nationally)
$3.50 above the national median
Source
Subordination$225Above the typical range ($45–$150 nationally)
$125 above the national median
Source
Verification of Deposit$25Above the typical range ($6.49–$15 nationally)
$15 above the national median
per item · Source

Mortgage ServicingVerified

Lien Release Fee$20Within the typical range ($10–$25 nationally)
$7.50 above the national median
Source
Loan Modification$200Within the typical range ($32.50–$231.25 nationally)
$150 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Account Research	$50Above the typical range ($20–$25 nationally)	$25 above the national median	—	—	Source
Inactive Account	$15Above the typical range ($5–$10 nationally)	$10 above the national median	per month	—	Source
Paper Statement Fee	$2.50Within the typical range ($2–$4.50 nationally)	$0.50 below the national median	per month	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds	$39.95Above the typical range ($25–$31.50 nationally)	$9.95 above the national median	per item	—	Source
Overdraft Protection Transfer Fee3 (from deposit account)	$10
ATM & CardVerified
ATM Foreign Transaction	$5Within the typical range ($0–$5 nationally)	$3 above the national median	per transaction	—	Source
MasterCard Debit Card Replacement	$5
Wire TransfersVerified
Wire Transfer (Incoming)	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	—	Source
Wire Transfer (Outgoing)	$35
Check ServicesVerified
Check Photocopy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per item	—	Source
Corporate/Cashier Check	$5
Digital & ElectronicVerified
Business ACH (per batch)	$25Above the typical range ($5–$20 nationally)	$15 above the national median	—	—	Source
Cash & DepositVerified
Non-Member Credit Card Cash Advance	$15Above the typical range ($3–$10 nationally)	$10 above the national median	per transaction	—	Source
Account ServicesVerified
10 x 10 Box	$100Above the typical range ($25–$80 nationally)	$55 above the national median	—	—	Source
5 x 10 Box	$50Within the typical range ($25–$80 nationally)
Mortgage ServicingVerified
Lien Release Fee	$20Within the typical range ($10–$25 nationally)	$7.50 above the national median	—	—	Source
Loan Modification	$200
Other FeesVerified
Skip-A-Payment Fee	$30Within the typical range ($21.25–$35 nationally)	At the national median	—	—	Source

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Headline fees published

9 of 15

Published fees

Under review

Assets

$1.1B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.1B

Total deposits

$850.4M

Service charge income (year to date)

$9.4M

Fee income ratio

22.6%

Return on assets

1.05%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings