Estacado Federal Credit Union

Headquarters: Hobbs, New Mexico
Charter: Credit Union
Assets: $120.0M
Fed district: Dallas

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

Source: its fee schedule, read Feb 17, 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
Regular Checking
Estacado Federal Credit Union: $8
Estacado Federal Credit Union: $8
U.S. median: no median
Overdraft (OD)
Estacado Federal Credit Union: $30
Estacado Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Estacado Federal Credit Union: $30
Estacado Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, 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).
New Mexico: Banks and credit unions headquartered in New Mexico 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Estacado Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Regular Checking - Monthly Fee$8
per month · Waived if Members over 55 years old) $8.00 per month
Account Closure Fee (within 90 days)$25
Dormant Account Fee (after 12 months inactivity)$5
per month
Escheat Fee$2
Account (Share, Loan & Visa) Reconciliation (1 hour minimum)$50
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Paid/Courtesy Pay (Check, Debit Card, and ACH)$30
Non-Sufficient Funds (NSF)/Returned Item (Includes Check, ACH and Card Payments)$30

ATM & Card

Debit Card Foreign (Non Affiliated ATM) Transaction$1.50

Check Services

Cashier's Check$5
Money Orders$3
Stop Payment Order$30
Check Cashing (Non-Member)$20
Share Draft printed check copy (available free in Online/Mobile Banking)$8

Cash & Deposit

Deposited Item Return Fee$30

Account Services

Notary$5
per item
Garnishment/Taxes/Levies$75

Retirement & IRA

Individual Retirement Accounts (IRA) Transfer/Rollover - Outgoing$25

Other Fees

Duplicate Statement (E-Statements Free)$10
Loan Skip a Payment, Collection Skip or Modification (Per Loan)$40
per item

Fee	Amount	Basis	Note
Account Maintenance
Regular Checking - Monthly Fee	$8	per month	Waived if Members over 55 years old) $8.00 per month
Account Closure Fee (within 90 days)	$25	Not stated	None
Dormant Account Fee (after 12 months inactivity)	$5	per month	None
Escheat Fee	$2	Not stated	None
Account (Share, Loan & Visa) Reconciliation (1 hour minimum)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Paid/Courtesy Pay (Check, Debit Card, and ACH)	$30	Not stated	None
Non-Sufficient Funds (NSF)/Returned Item (Includes Check, ACH and Card Payments)	$30	Not stated	None
ATM & Card
Debit Card Foreign (Non Affiliated ATM) Transaction	$1.50	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment Order	$30	Not stated	None
Check Cashing (Non-Member)	$20	Not stated	None
Share Draft printed check copy (available free in Online/Mobile Banking)	$8	Not stated	None
Cash & Deposit
Deposited Item Return Fee	$30	Not stated	None
Account Services
Notary	$5	per item	None
Garnishment/Taxes/Levies	$75	Not stated	None
Retirement & IRA
Individual Retirement Accounts (IRA) Transfer/Rollover - Outgoing	$25	Not stated	None
Other Fees
Duplicate Statement (E-Statements Free)	$10	Not stated	None
Loan Skip a Payment, Collection Skip or Modification (Per Loan)	$40	per item	None

Correct a fee source

Feb 17, 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

Get an email when Estacado Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.