Beacon Federal Credit Union

Headquarters: La Porte, Texas
Charter: Credit Union
Assets: $214.7M
Fed district: Dallas

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
Fresh Start Checking
Beacon Federal Credit Union: $12
Beacon Federal Credit Union: $12
U.S. median: no median
Overdraft (OD)
Beacon Federal Credit Union: $31
Beacon Federal Credit Union: $31
U.S. median: no median
NSF / Returned Item
Beacon Federal Credit Union: $31
Beacon Federal Credit Union: $31
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Beacon Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Monthly fee$12
per month
Account Closed within 6 Months$5
Inactive Account (12 months or more)$5
per month
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Mail Paper Statement (Age 19-69)$2
per month
Return Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$31
per item
Return ACH$31
per item
Return Check$31
per item

ATM & Card

ATM (Non-Proprietary) Cash Withdrawal$2.50
per item
VISA Debit Card Replacement$8
per item

Wire Transfers

Wire Transfer (domestic outgoing)$15
per item
Wire Transfer (international outgoing)$60
per item

Check Services

Cashier’s Check Fee$5
per item
Teller Check Fee$2
per item
Stop Payment (processed by staff)$25
per item
Stop Payment (processed through PC Branch)$20
per item
Temporary Check Fee$5
per item · for 8 checks
Check Cashing Fee Non-Members (applicable only to On-Us checks)$10
per item
Collection Item$10
per item
Check Copy Fee$3
per item

Digital & Electronic

Expedited Bill Payment (check)$20
Not compared: Per-item charge, not monthly
per item
Expedited Bill Payment (electronic)$2.25
Not compared: Per-item charge, not monthly
per item
Return Bill Payment (check)$20
Not compared: Per-item charge, not monthly
per item

Account Services

Notary Fee: Member = Free Non-members$6
Safe Deposit Box Rental$25
Garnishment Fee$25
Levy Fee$25

Other Fees

Statement Copy Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Monthly fee	$12	per month	None
Account Closed within 6 Months	$5	Not stated	None
Inactive Account (12 months or more)	$5	per month	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mail Paper Statement (Age 19-69)	$2	per month	None
Return Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$31	per item	None
Return ACH	$31	per item	None
Return Check	$31	per item	None
ATM & Card
ATM (Non-Proprietary) Cash Withdrawal	$2.50	per item	None
VISA Debit Card Replacement	$8	per item	None
Wire Transfers
Wire Transfer (domestic outgoing)	$15	per item	None
Wire Transfer (international outgoing)	$60	per item	None
Check Services
Cashier’s Check Fee	$5	per item	None
Teller Check Fee	$2	per item	None
Stop Payment (processed by staff)	$25	per item	None
Stop Payment (processed through PC Branch)	$20	per item	None
Temporary Check Fee	$5	per item	for 8 checks
Check Cashing Fee Non-Members (applicable only to On-Us checks)	$10	per item	None
Collection Item	$10	per item	None
Check Copy Fee	$3	per item	None
Digital & Electronic
Expedited Bill Payment (check)	$20Not compared: Per-item charge, not monthly	per item	None
Expedited Bill Payment (electronic)	$2.25Not compared: Per-item charge, not monthly	per item	None
Return Bill Payment (check)	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Notary Fee: Member = Free Non-members	$6	Not stated	None
Safe Deposit Box Rental	$25	Not stated	None
Garnishment Fee	$25	Not stated	None
Levy Fee	$25	Not stated	None
Other Fees
Statement Copy Fee	$5	Not stated	None

Correct a fee source

Oct 16, 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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