Chemcel Federal Credit Union

Headquarters: Bishop, Texas
Charter: Credit Union
Assets: $184.0M
Fed district: Dallas

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

Source: its fee schedule, read Oct 5, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Chemcel Federal Credit Union: $8
Chemcel Federal Credit Union: $8
U.S. median: no median
Overdraft (OD)
Chemcel Federal Credit Union: $25
Chemcel Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Chemcel Federal Credit Union: $25
Chemcel 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 5, 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 Chemcel Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Merit Checking Monthly Service$8
per month
Inactive Dormant Account after one year$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Bad Address$5
per month

Overdraft & NSF

Courtesy Pay Fee$25
per item
Overdraft Check Clearing$25
per item
Non-Sufficient Funds$25
per item
Returned Item$25
per item
Overdraft From Shares$1
per item

ATM & Card

ATM Fee at Non-Proprietary ATMs$1
Debit/ATM Replacement$5
per item
Debit Card Rush Order$25
per item

Wire Transfers

Wire Transfer (outgoing)$25
per item

Check Services

Certified Check$1
per item
Money Order$1
per item
Stop Payment$25
per item
Check Cashing$2
per item
Items sent for collection$25
per item
Check Copy$2
per item

Cash & Deposit

Cash Advance$15
per item

Account Services

Safe Deposit Box – 3-10$25
per year
Safe Deposit Box – 3x5$15
per year
Safe Deposit Box – 5x10$45
per year
Safe Deposit Box – Drilling$43
Not compared: Box drilling or key fee
Legal Document Process$95
per item

Other Fees

Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Merit Checking Monthly Service	$8	per month	None
Inactive Dormant Account after one year	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Monthly Bad Address	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$25	per item	None
Overdraft Check Clearing	$25	per item	None
Non-Sufficient Funds	$25	per item	None
Returned Item	$25	per item	None
Overdraft From Shares	$1	per item	None
ATM & Card
ATM Fee at Non-Proprietary ATMs	$1	Not stated	None
Debit/ATM Replacement	$5	per item	None
Debit Card Rush Order	$25	per item	None
Wire Transfers
Wire Transfer (outgoing)	$25	per item	None
Check Services
Certified Check	$1	per item	None
Money Order	$1	per item	None
Stop Payment	$25	per item	None
Check Cashing	$2	per item	None
Items sent for collection	$25	per item	None
Check Copy	$2	per item	None
Cash & Deposit
Cash Advance	$15	per item	None
Account Services
Safe Deposit Box – 3-10	$25	per year	None
Safe Deposit Box – 3x5	$15	per year	None
Safe Deposit Box – 5x10	$45	per year	None
Safe Deposit Box – Drilling	$43Not compared: Box drilling or key fee	Not stated	None
Legal Document Process	$95	per item	None
Other Fees
Statement Copy	$3	per item	None

Correct a fee source

Oct 5, 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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