Citizens Federal Credit Union

Headquarters: Big Spring, Texas
Charter: Credit Union
Assets: $201.9M
Fed district: Dallas

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Monthly Maintenance
Citizens Federal Credit Union: $9.50
Citizens Federal Credit Union: $9.50
U.S. median: no median
Overdraft (OD)
Citizens Federal Credit Union: $30
Citizens Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Citizens Federal Credit Union: $35
Citizens Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 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 Citizens Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee (CK)$9.50
per month
Inactivity Fee (1 year of inactivity with less than on deposit)$9.95
Not compared: Quarterly charge, not monthly
per quarter
Account Research (1hr minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee (SH)$10

Overdraft & NSF

Privilege Pay Overdraft Protection$30
per item
Non-Sufficient Fund ACH ATM CK PH WB$35
per item
Overdraft transfer from shares$5
per item

ATM & Card

ATM Withdrawal from Share (maximum $200/day)$3
per item
Inquiry at Foreign ATM$1
per item
Replacement of ATM/Debit Card$15
per item

Wire Transfers

Outgoing Wire Transfer$25
per item
Incoming Wire Error$25
per item
Incoming Wire Transfer$10
per item

Check Services

Certified Check$10
per item
Money Order$4
per item
Stop Payment on Check, ACH$35
per item
Temporary Check Issued$5
per item
Temporary Check Issued (first sheet) (audience not stated, treated as personal)$5
per item · Per sheet of four
Check Cashing Fee (audience not stated, treated as personal)5%($10 minimum)
per item

Cash & Deposit

Deposited Check Returned$35
per item

Account Services

10 x 10 x 24 =$65
per year
3 x 10 x 24 =$45
per year
3 x 5 x 24 =$30
per year
5 x 10 x 24 =$50
per year
Safe Deposit Late Payment Fee$25
Not compared: Box drilling or key fee
Garnishment Fee$50
per item

Other Fees

Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee (CK)	$9.50	per month	None
Inactivity Fee (1 year of inactivity with less than on deposit)	$9.95Not compared: Quarterly charge, not monthly	per quarter	None
Account Research (1hr minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee (SH)	$10	Not stated	None
Overdraft & NSF
Privilege Pay Overdraft Protection	$30	per item	None
Non-Sufficient Fund ACH ATM CK PH WB	$35	per item	None
Overdraft transfer from shares	$5	per item	None
ATM & Card
ATM Withdrawal from Share (maximum $200/day)	$3	per item	None
Inquiry at Foreign ATM	$1	per item	None
Replacement of ATM/Debit Card	$15	per item	None
Wire Transfers
Outgoing Wire Transfer	$25	per item	None
Incoming Wire Error	$25	per item	None
Incoming Wire Transfer	$10	per item	None
Check Services
Certified Check	$10	per item	None
Money Order	$4	per item	None
Stop Payment on Check, ACH	$35	per item	None
Temporary Check Issued	$5	per item	None
Temporary Check Issued (first sheet) (audience not stated, treated as personal)	$5	per item	Per sheet of four
Check Cashing Fee (audience not stated, treated as personal)	5%($10 minimum)	per item	None
Cash & Deposit
Deposited Check Returned	$35	per item	None
Account Services
10 x 10 x 24 =	$65	per year	None
3 x 10 x 24 =	$45	per year	None
3 x 5 x 24 =	$30	per year	None
5 x 10 x 24 =	$50	per year	None
Safe Deposit Late Payment Fee	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50	per item	None
Other Fees
Statement Copies	$5	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

Correct a fee source

Oct 30, 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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