17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from 1St Community Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $7.95 | per month | None |
| Account Closure Fee if closed w/in 90 days of opening (audience not stated, treated as personal) | $25 | Not stated | None |
| Escheat Fee for Sending Dormant Account Funds to the State | $25 | Not stated | None |
| Address Change - Returned Mail/Bad E-mail address | $10 | Not stated | None |
Overdraft & NSF | |||
| Basic Courtesy Pay | $30 | per item | None |
| Enhanced Courtesy Pay | $30 | per item | None |
| NSF Items or Closed Account Items | $30 | Not stated | None |
| Repost or Returned NSF (audience not stated, treated as personal) | $30 | per item | None |
ATM & Card | |||
| Overnight or Rush Card – Actual Cost . | $15 | Not stated | None |
| International purchase | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Foreign Bank Wire | $40 | Not stated | None |
Check Services | |||
| Indefinite ACH Stop Payment Fee for Any Amount | $30 | Not stated | None |
| Stop payments on checks, electronic drafts or Bill Pay items | $30 | Not stated | None |
| Check Cashing Fees (audience not stated, treated as personal) | 5% | Not stated | None |
| Incoming and Outgoing Collection Items | $25 | Not stated | None |
| Outgoing Foreign Collection Items | $40 | Not stated | None |
| Bill Pay Check Copies or Electronic Item Trace | $5 | Not stated | None |
| Check Copies ordered through 1CFCU staff (audience not stated, treated as personal) | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Machine | 10% | Not stated | None |
| Annual Fee / Cash Advance Fee / Balance Transfer Fee | No chargeNot compared: Annual charge, not per item | per year | None |
| Handling fee for Charged-back Item when Current Balance covers Charge-back | $5 | Not stated | None |
Account Services | |||
| 10 x 10 ..(per year) | $40 | per year | None |
| 3 x 10 (per year) | $25 | per year | None |
| 3 x 5 (per year) | $15 | per year | None |
| 5 x 10 (per year) | $30 | per year | None |
| 5 x 5 (per year) | $20 | per year | None |
| Drill Fee | $80Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Liens, Levies, Garnishments, Freezes, Subpoenas | $50 | Not stated | None |
Lending Fees | |||
| Late fee (audience not stated, treated as personal) | 5% | Not stated | None |
| Late Payment Fee | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| MasterCard Gift Cards | $3 | Not stated | None |
Other Fees | |||
| Statement Copies | $4 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 12, 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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