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, $1B to $10B

Firstlight Federal Credit Union

El Paso, TexasCredit UnionDallas Fed districtFees collected Oct 5, 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 Maintenance Fee: Non-members$10Within the typical range ($3–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$32Within the typical range ($25–$32 nationally)
$2 above the national median
Source
Non-Sufficient Funds (Check, ACH, Debit Card)$32Above the typical range ($25–$31.50 nationally)
$2 above the national median
Source
Returned Item Fee$20Below the typical range ($25–$31.50 nationally)
$10 below the national median
Source

Check ServicesVerified

Cashier’s Check$7.50Above the typical range ($3–$5.50 nationally)
$2.50 above the national median
Source
Check Cashing Fee (Non-members)$7Within the typical range ($5–$10 nationally)
$2 above the national median
Source
Check Copy |$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Temporary Checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
Source

Account ServicesVerified

10” X 10”$90Above the typical range ($25–$80 nationally)
$45 above the national median
Source
2” X 5”$30Within the typical range ($25–$80 nationally)
$15 below the national median
Source
3” X 10”$45Within the typical range ($25–$80 nationally)
At the national median
Source
3” X 5”$33Within the typical range ($25–$80 nationally)
$12 below the national median
Source
5” X 10”$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
5” X 5”$55Within the typical range ($25–$80 nationally)
$10 above the national median
Source
7” X 10”$70Within the typical range ($25–$80 nationally)
$25 above the national median
Source
Simply More Checking | Notary Service Fee$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Maintenance Fee: Non-members	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	—	—	Source
Early Account Closure (Less than 90 days)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per month	—	Source
Escheatment Processing	$20Above the typical range ($5–$10 nationally)	$15 above the national median	—	—	Source
Money Market \| Paper Statement Fee	$3Within the typical range ($2–$4.50 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$32Within the typical range ($25–$32 nationally)	$2 above the national median	—	—	Source
Non-Sufficient Funds (Check, ACH, Debit Card)	$32
Check ServicesVerified
Cashier’s Check	$7.50Above the typical range ($3–$5.50 nationally)	$2.50 above the national median	—	—	Source
Check Cashing Fee (Non-members)	$7
Account ServicesVerified
10” X 10”	$90Above the typical range ($25–$80 nationally)	$45 above the national median	—	—	Source
2” X 5”	$30
Retirement & IRAVerified
IRA Transfer Fee(For members transferring their FirstLight IRA to another	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Vehicle & TitleVerified
Vehicle Title Documentation Fee	$50Above the typical range ($9.25–$30 nationally)	$25.50 above the national median	—	—	Source
Other FeesVerified
Skip-a-Payment Fee	$25Within the typical range ($22.50–$35 nationally)	$5 below the national median	—	—	Source

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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

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$1.6B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.6B

Total deposits

$1.4B

Service charge income (year to date)

$6.7M

Fee income ratio

11.1%

Return on assets

0.92%

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, and SEC filings

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Based on 39,755 published fee entries from 2,777 institutions

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