Otero Federal Credit Union

Headquarters: Alamogordo, New Mexico
Charter: Credit Union
Assets: $535.3M
Fed district: Dallas

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

Source: its fee schedule, read Nov 1, 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
Elite Checking
Can be waived with a balance of $200 or more.
Otero Federal Credit Union: $5
Otero Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Otero Federal Credit Union: $30
Otero Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Otero Federal Credit Union: $30
Otero Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Otero Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking Monthly Fee$5
per month
Minimum Balance Fee (per month-if savings account falls below $25.00)$1
per month
Account Early Closure Fee (within 6 months of opening)$25
Dormant Account Fee$5
per month
Escheated Account Fee (on dormant accounts after 5 years)$25
Account Balancing/Research Fee (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Monthly Fee$1
per month
Bad Address Fee (per month)$2
per month

Overdraft & NSF

Courtesy Pay/Overdraft Fee$30
NSF Return Item Fee$30

ATM & Card

Out-Of-Network ATM Fee$1
Card Replacement Fee (ATM, VISA Debit Card, Credit Card)$10
Expedited Card Replacement Fee$25

Wire Transfers

Domestic Wire Transfer Fee (outgoing)$20

Check Services

Credit Union Teller Check Fee$5
Money Order Fee$2
Stop Payment Fee (Checking, Preauthorized Electronic Fund Transfer (ACH), Bill Payment Item, Teller Check or Money Order)$25

Digital & Electronic

Inactive Bill Payment Account Fee (per month)$3
per month

Cash & Deposit

Credit Card Cash Advance Access Fee5%of the advance ($5 minimum)

Account Services

Notary Service Fee (waived for members)$5
Safe Deposit Box 10x10$65
per year
Safe Deposit Box 3x10$30
per year
Safe Deposit Box 3x5$20
per year
Safe Deposit Box 5x10$40
per year
Safe Deposit Box 5x5$30
per year
Garnishment/Levy Fee$50

Gift & Prepaid Cards

Visa Gift Card Fee$3

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking Monthly Fee	$5	per month	None
Minimum Balance Fee (per month-if savings account falls below $25.00)	$1	per month	None
Account Early Closure Fee (within 6 months of opening)	$25	Not stated	None
Dormant Account Fee	$5	per month	None
Escheated Account Fee (on dormant accounts after 5 years)	$25	Not stated	None
Account Balancing/Research Fee (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Monthly Fee	$1	per month	None
Bad Address Fee (per month)	$2	per month	None
Overdraft & NSF
Courtesy Pay/Overdraft Fee	$30	Not stated	None
NSF Return Item Fee	$30	Not stated	None
ATM & Card
Out-Of-Network ATM Fee	$1	Not stated	None
Card Replacement Fee (ATM, VISA Debit Card, Credit Card)	$10	Not stated	None
Expedited Card Replacement Fee	$25	Not stated	None
Wire Transfers
Domestic Wire Transfer Fee (outgoing)	$20	Not stated	None
Check Services
Credit Union Teller Check Fee	$5	Not stated	None
Money Order Fee	$2	Not stated	None
Stop Payment Fee (Checking, Preauthorized Electronic Fund Transfer (ACH), Bill Payment Item, Teller Check or Money Order)	$25	Not stated	None
Digital & Electronic
Inactive Bill Payment Account Fee (per month)	$3	per month	None
Cash & Deposit
Credit Card Cash Advance Access Fee	5%of the advance ($5 minimum)	Not stated	None
Account Services
Notary Service Fee (waived for members)	$5	Not stated	None
Safe Deposit Box 10x10	$65	per year	None
Safe Deposit Box 3x10	$30	per year	None
Safe Deposit Box 3x5	$20	per year	None
Safe Deposit Box 5x10	$40	per year	None
Safe Deposit Box 5x5	$30	per year	None
Garnishment/Levy Fee	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Fee	$3	Not stated	None

Correct a fee source

Nov 1, 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 Otero Federal Credit Union's safe deposit box changes in our data

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