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, under $300M

Members Trust Of The Southwest Federal Credit Union

Houston, TexasCredit UnionDallas Fed districtFees collected Feb 17, 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 Research, including statement balancing (per hour, 1 hour minimum)$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay (per item)$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Source
Overdraft Transfer Fee (per day)$5Within the typical range ($3–$5 nationally)
At the national median
per day · Source
Returned Check (NSF) drawn on MTFCU$29Within the typical range ($25–$31 nationally)
$1 below the national median
Source

ATM & CardVerified

Lost/Stolen card replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source
Non-Member ATM Fee (non-MTFCU member uses MTFCU ATM machine)$3Above the typical range ($1–$2.50 nationally)
$1.50 above the national median
Source

Check ServicesVerified

Cashier's Check (per check)$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Check Copies (per item) - Free through online banking$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Stop Payment (per item)$25Within the typical range ($20–$30 nationally)
At the national median
per item · Source
Stop Payment: check or ACH (per item)$30Within the typical range ($20–$30 nationally)
$5 above the national median
per item · Source
Third Party Teller Check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source

Digital & ElectronicVerified

ACH Returned Item$29Within the typical range ($19.50–$30 nationally)
$2 above the national median
Source
Bill Pay Access$0Within the typical range ($0–$11.29 nationally)
$4.95 below the national median
Source
Bill Pay Items returned due to member error. I.e. invalid payee acct\address$25Above the typical range ($0–$11.29 nationally)
$20.05 above the national median
Source
Bill Pay Proof of Payment, initiated by member$15Above the typical range ($0–$11.29 nationally)
$10.05 above the national median
Source
One-time ACH Origination$25Above the typical range ($5–$20 nationally)
$15 above the national median
Source

Account ServicesVerified

Levy/Garnishment (per account, per occurrence)$30Within the typical range ($30–$75 nationally)
$20 below the national median
Source
Lost safe deposit box key (per key)$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
Safe Deposit box drilling$125Above the typical range ($25–$80 nationally)
$80 above the national median
Source
Verification of Deposit or Loan/per account$5Below the typical range ($10–$15 nationally)
$5 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research, including statement balancing (per hour, 1 hour minimum)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Paper statement fee (per statement mailed)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source
Returned Mail (per occurrence)	$7.50Below the typical range ($20–$25 nationally)	$17.50 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay (per item)	$25Within the typical range ($25–$31 nationally)	$5 below the national median	per item	—	Source
Overdraft Transfer Fee (per day)	$5
ATM & CardVerified
Lost/Stolen card replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Non-Member ATM Fee (non-MTFCU member uses MTFCU ATM machine)	$3
Check ServicesVerified
Cashier's Check (per check)	$5Within the typical range ($3–$5.50 nationally)	At the national median	per item	—	Source
Check Copies (per item) - Free through online banking	$2
Digital & ElectronicVerified
ACH Returned Item	$29Within the typical range ($19.50–$30 nationally)	$2 above the national median	—	—	Source
Bill Pay Access	$0
Account ServicesVerified
Levy/Garnishment (per account, per occurrence)	$30Within the typical range ($30–$75 nationally)	$20 below the national median	—	—	Source
Lost safe deposit box key (per key)	$50
Lending FeesVerified
Skip-a-pay/Loan Extension - per loan (non-collection)	$25Within the typical range ($15–$25 nationally)	$2.50 above the national median	—	—	Source
Retirement & IRAVerified
Outgoing IRA transfer/Rollover Fee	$25Within the typical range ($25–$36.25 nationally)	At the national median	—	—	Source
Other FeesVerified
Statement Copies (per page) - Free using e-statements	$1Below the typical range ($2–$5 nationally)	$2 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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 25

Headline fees published

8 of 15

Published fees

Under review

Assets

$273.7M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$273.7M

Total deposits

$250.7M

Service charge income (year to date)

$624K

Fee income ratio

7.4%

Return on assets

1.31%

Financial profile · Pro

Members Trust Of The Southwest Federal Credit Union

Published fees

Get an email when Members Trust Of The Southwest Federal Credit Union changes a fee

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