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

Chemcel Federal Credit Union

Bishop, TexasCredit UnionDallas Fed districtFees collected Oct 6, 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$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$25Within the typical range ($25–$32 nationally)
$5 below the national median
per item · Source
Non-Sufficient Funds$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
per item · Source
Overdraft From Shares$1Below the typical range ($3–$5 nationally)
$4 below the national median
per item · Source

ATM & CardVerified

ATM Fee at Non-Proprietary ATMs$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Debit Card Rush Order$25Below the typical range ($30–$50 nationally)
$15 below the national median
per item · Source
Debit/ATM Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Check ServicesVerified

Certified Check$1Below the typical range ($3–$6 nationally)
$4 below the national median
per item · Source
Check Cashing$2Below the typical range ($5–$10 nationally)
$3 below the national median
per item · Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$1 below the national median
Source

Account ServicesVerified

Safe Deposit Box – 3-10$25Below the typical range ($27.50–$75 nationally)
$20 below the national median
per year · Source
Safe Deposit Box – 3x5$15Below the typical range ($27.50–$75 nationally)
$30 below the national median
per year · Source
Safe Deposit Box – 5x10$45Within the typical range ($27.50–$75 nationally)
At the national median
per year · Source
Safe Deposit Box – Drilling$43Within the typical range ($27.50–$75 nationally)
$2 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Inactive Dormant Account after one year	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Merit Checking Monthly Service	$8Within the typical range ($3–$10 nationally)	$2.50 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$25Within the typical range ($25–$32 nationally)	$5 below the national median	per item	—	Source
Non-Sufficient Funds	$25
ATM & CardVerified
ATM Fee at Non-Proprietary ATMs	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Debit Card Rush Order	$25
Wire TransfersVerified
Wire Transfer (outgoing)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Check ServicesVerified
Certified Check	$1Below the typical range ($3–$6 nationally)	$4 below the national median	per item	—	Source
Check Cashing	$2
Cash & DepositVerified
Cash Advance	$15Above the typical range ($3–$10 nationally)	$10 above the national median	—	—	Source
Account ServicesVerified
Safe Deposit Box – 3-10	$25Below the typical range ($27.50–$75 nationally)	$20 below the national median	per year	—	Source
Safe Deposit Box – 3x5	$15
Other FeesVerified
Statement Copy	$3Within the typical range ($2–$5 nationally)	At 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: 21 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$184.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$184.0M

Total deposits

$159.9M

Service charge income (year to date)

$575K

Fee income ratio

10.6%

Return on assets

0.80%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 41,224 published fee entries from 2,667 institutions

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