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

South Texas Federal Credit Union

McALLEN, 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 Closing Fee (90 days or less)$30Above the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Overdraft Privilege Fee$30Within the typical range ($25–$33 nationally)
At the national medianAt the Texas median
per item · Source
ACH NSF Fee$30Within the typical range ($25–$32 nationally)
At the national medianAt the Texas median
per item · Source
Nonsufficient Funds (NSF) Fee$30Within the typical range ($25–$32 nationally)
At the national medianAt the Texas median
per item · Source
Overdraft Protection Transfer Fee$4Within the typical range ($2.50–$5 nationally)
$1 below the national median$1 below the Texas median
per item · Source

ATM & CardVerified

ATM (at non-proprietary ATMs)$3Above the typical range ($1–$2.25 nationally)
$1.50 above the national median$1.50 above the Texas median
Source
Debit Card Replacement Fee$6Within the typical range ($5–$10 nationally)
$4 below the national median$1.50 below the Texas median
Source

Check ServicesVerified

Excessive Cashier’s Check Fee$4Within the typical range ($3–$6 nationally)
$1 below the national median$1 below the Texas median
Source
Non-Member Cashier’s Check Fee$10Above the typical range ($3–$6 nationally)
$5 above the national median$5 above the Texas median
Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$0.50 above the Texas median
per item · Source
Non-Member Check Cashing Fee$7Within the typical range ($5–$10 nationally)
$2 above the national median$2 above the Texas median
Source
Share Draft Copy Fee$6Above the typical range ($2–$5 nationally)
$3 above the national median$3 above the Texas median
Source

Digital & ElectronicVerified

Bill Pay Overnight Mail$26.95Above the typical range ($0–$9.95 nationally)
$24.45 above the national median$21.95 above the Texas median
Source
Bill Pay Standard US Mail$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$5 below the Texas median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Closing Fee (90 days or less)	$30Above the typical range ($10–$25 nationally)	$12.50 above the national median$15 above the Texas median	—	—	Source
Dormant/ Inactivity Account	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Texas median	per month	—	Source
Account Reconciling/ Research Fee	$27Above the typical range ($12–$25 nationally)	$9.50 above the national median$11.50 above the Texas median	—	—	Source
Overdraft & NSFVerified
Overdraft Privilege Fee	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Texas median	per item	—	Source
ACH NSF Fee	$30
ATM & CardVerified
ATM (at non-proprietary ATMs)	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$1.50 above the Texas median	—	—	Source
Debit Card Replacement Fee	$6
Check ServicesVerified
Excessive Cashier’s Check Fee	$4Within the typical range ($3–$6 nationally)	$1 below the national median$1 below the Texas median	—	—	Source
Non-Member Cashier’s Check Fee	$10
Digital & ElectronicVerified
Bill Pay Overnight Mail	$26.95Above the typical range ($0–$9.95 nationally)	$24.45 above the national median$21.95 above the Texas median	—	—	Source
Bill Pay Standard US Mail	$0

Fee change alerts

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

16 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$69.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$69.2M

Total deposits

$63.8M

Service charge income (year to date)

$139K

Fee income ratio

8.5%

Return on assets

0.40%

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, enforcement actions, and SEC filings

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Based on 67,832 published fee entries from 3,632 institutions

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