South Texas Federal Credit Union

Headquarters: McALLEN, Texas
Charter: Credit Union
Assets: $69.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 20, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
South Texas Federal Credit Union: $5 to $10
South Texas Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
South Texas Federal Credit Union: $30
South Texas Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
South Texas Federal Credit Union: $30
South Texas Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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 South Texas Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Monthly fee$5
per month
Account Closing Fee (90 days or less)$30
Dormant/ Inactivity Account$5
per month
Account Reconciling/ Research Fee$27
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Privilege Fee$30
per item
ACH NSF Fee$30
per item
Nonsufficient Funds (NSF) Fee$30
per item
Overdraft Protection Transfer Fee$4
per item

ATM & Card

ATM (at non-proprietary ATMs)$3
Debit Card Replacement Fee$6

Check Services

Excessive Cashier’s Check Fee$4
Non-Member Cashier’s Check Fee$10
ACH Stop Payment Fee$30
per item
Stop Payment Fee$30
per item
Non-Member Check Cashing Fee$7
Share Draft Copy Fee$6

Digital & Electronic

Bill Pay Overnight Mail$26.95
Bill Pay Standard US MailNo charge

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Monthly fee	$5	per month	None
Account Closing Fee (90 days or less)	$30	Not stated	None
Dormant/ Inactivity Account	$5	per month	None
Account Reconciling/ Research Fee	$27Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Privilege Fee	$30	per item	None
ACH NSF Fee	$30	per item	None
Nonsufficient Funds (NSF) Fee	$30	per item	None
Overdraft Protection Transfer Fee	$4	per item	None
ATM & Card
ATM (at non-proprietary ATMs)	$3	Not stated	None
Debit Card Replacement Fee	$6	Not stated	None
Check Services
Excessive Cashier’s Check Fee	$4	Not stated	None
Non-Member Cashier’s Check Fee	$10	Not stated	None
ACH Stop Payment Fee	$30	per item	None
Stop Payment Fee	$30	per item	None
Non-Member Check Cashing Fee	$7	Not stated	None
Share Draft Copy Fee	$6	Not stated	None
Digital & Electronic
Bill Pay Overnight Mail	$26.95	Not stated	None
Bill Pay Standard US Mail	No charge	Not stated	None

Correct a fee source

Oct 20, 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.

Fee change alerts

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