Northern New Mexico School Employee Federal Credit Union

Headquarters: Santa Fe, New Mexico
Charter: Credit Union
Assets: $44.5M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 22, 2026.

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Fees against the market

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

Monthly Maintenance
Northern New Mexico School Employee Federal Credit Union: $5
Northern New Mexico School Employee Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Northern New Mexico School Employee Federal Credit Union: $25
Northern New Mexico School Employee Federal Credit Union: $25
U.S. median: no median
Stop Payment
Northern New Mexico School Employee Federal Credit Union: $25
Northern New Mexico School Employee Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City 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).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Northern New Mexico School Employee Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low monthly service fee$5
per month
Closing Account (within 90 days)$10
Dormant Share Account$5
Account Research / Reconciliation$20
Bad Address Returned Mail$5

Overdraft & NSF

ACH NSF$25
Insufficient Funds (NSF)$25
Overdraft Transfer Charge$5

ATM & Card

Replace Lost or Damaged Debit Card$10

Wire Transfers

Foreign Country Wire Transfer$50

Check Services

Official Check to 3rd Party$1
EFT Stop Payment$25
Stop Pay (Official check)$25
Stop Payment Share Draft/ACH$25
Temporary ChecksNo charge
Collection Item (incoming/outgoing)$25
Copy of Share Draft (free through online banking)No charge

Digital & Electronic

ACH Origination Fee (Not currently done manually)$5

Cash & Deposit

Deposit Item Returned (3rd party)$5

Account Services

Notary PublicNo charge
Levies/Garnishments$30
Legal Process Fee$20

Lending Fees

Loan Late Payment$15

Retirement & IRA

IRA Maintenance FeeNo charge

Gift & Prepaid Cards

Visa Gift Card$5

Other Fees

Local FaxNo charge
Statement Copies (free through online banking)$3

Fee	Amount	Basis	Note
Account Maintenance
Low monthly service fee	$5	per month	None
Closing Account (within 90 days)	$10	Not stated	None
Dormant Share Account	$5	Not stated	None
Account Research / Reconciliation	$20	Not stated	None
Bad Address Returned Mail	$5	Not stated	None
Overdraft & NSF
ACH NSF	$25	Not stated	None
Insufficient Funds (NSF)	$25	Not stated	None
Overdraft Transfer Charge	$5	Not stated	None
ATM & Card
Replace Lost or Damaged Debit Card	$10	Not stated	None
Wire Transfers
Foreign Country Wire Transfer	$50	Not stated	None
Check Services
Official Check to 3rd Party	$1	Not stated	None
EFT Stop Payment	$25	Not stated	None
Stop Pay (Official check)	$25	Not stated	None
Stop Payment Share Draft/ACH	$25	Not stated	None
Temporary Checks	No charge	Not stated	None
Collection Item (incoming/outgoing)	$25	Not stated	None
Copy of Share Draft (free through online banking)	No charge	Not stated	None
Digital & Electronic
ACH Origination Fee (Not currently done manually)	$5	Not stated	None
Cash & Deposit
Deposit Item Returned (3rd party)	$5	Not stated	None
Account Services
Notary Public	No charge	Not stated	None
Levies/Garnishments	$30	Not stated	None
Legal Process Fee	$20	Not stated	None
Lending Fees
Loan Late Payment	$15	Not stated	None
Retirement & IRA
IRA Maintenance Fee	No charge	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$5	Not stated	None
Other Fees
Local Fax	No charge	Not stated	None
Statement Copies (free through online banking)	$3	Not stated	None

Correct a fee source

Oct 22, 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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