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, under $300M

Cherokee County Teachers Federal Credit Union

Rusk, TexasCredit UnionDallas Fed districtFees collected Feb 17, 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 Research per hour$10Below the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=account_research; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Account Research per hour / $10.00" · Source

Checking Account service Charge (if minimum balance is not met)$5

$0.95 below the national median

Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=monthly_maintenance; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Checking Account service Charge (if minimum balance is not met) / $ 5.00" · Source

Early Closing Fee for accounts closed within 90 days of opening$10

$5 below the national median

Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=early_closure; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Early Closing Fee for accounts closed within 90 days of opening / $10.00" · Source

Inactive account (12 months or more, less than account balance, no active loans)$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=dormant_account; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Inactive account (12 months or more, less than $100.00 account balance, no active loans) / $ 5.00 per month" · Source

Overdraft & NSFVerified

Non-Sufficient Funds Fee (NSF) (per item)$28Within the typical range ($25–$31 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=nsf; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Non-Sufficient Funds Fee (NSF) (per item) / $28.00" · Source

ATM & CardVerified

CCTFCU ATM$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #7344. canonical_hint=atm_non_network; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="ATM Withdrawal, Transfer, or Balance Inquiry from CCTFCU ATM / FREE" · Source
Replacement cards and Pins$25Above the typical range ($5–$10 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=card_replacement; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Replacement cards and Pins / $ 25.00 each" · Source

Wire TransfersVerified

Wire Transfer: Outgoing Domestic (each)$10Below the typical range ($20–$25 nationally)
$12.50 below the national median
Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=wire_domestic_outgoing; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Outgoing Domestic (each) / $10.00" · Source

Check ServicesVerified

Check copy fee (each)$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=check_image; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Check copy fee (each) / $ 3.00" · Source
Stop Payment (each item)$25Within the typical range ($20–$30 nationally)
$2 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=stop_payment; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Stop Payment (each item) / $25.00" · Source

Cash & DepositVerified

Returned Item Chargeback(per item)$5Below the typical range ($9–$25 nationally)
$10 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=deposited_item_return; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Returned Item Chargeback(per item) / $ 5.00" · Source

Account ServicesVerified

Garnishment or Levy$10Below the typical range ($30–$75 nationally)
$40 below the national median
Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=garnishment_levy; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Garnishment or Levy / $10.00" · Source

Other FeesVerified

Statement Copy(per copy)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=document_reproduction; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Statement Copy(per copy) / $ 1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research per hour	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=account_research; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Account Research per hour / $10.00"	Source
Checking Account service Charge (if minimum balance is not met)	$5Within the typical range ($3–$10 nationally)	$0.95 below the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=monthly_maintenance; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Checking Account service Charge (if minimum balance is not met) / $ 5.00"	Source
Early Closing Fee for accounts closed within 90 days of opening	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=early_closure; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Early Closing Fee for accounts closed within 90 days of opening / $10.00"	Source
Inactive account (12 months or more, less than account balance, no active loans)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=dormant_account; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Inactive account (12 months or more, less than $100.00 account balance, no active loans) / $ 5.00 per month"	Source
Overdraft & NSFVerified
Non-Sufficient Funds Fee (NSF) (per item)	$28Within the typical range ($25–$31 nationally)	$2 below the national median	per item	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=nsf; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Non-Sufficient Funds Fee (NSF) (per item) / $28.00"	Source
ATM & CardVerified
CCTFCU ATM	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #7344. canonical_hint=atm_non_network; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="ATM Withdrawal, Transfer, or Balance Inquiry from CCTFCU ATM / FREE"	Source
Replacement cards and Pins	$25
Wire TransfersVerified
Wire Transfer: Outgoing Domestic (each)	$10Below the typical range ($20–$25 nationally)	$12.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=wire_domestic_outgoing; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Outgoing Domestic (each) / $10.00"	Source
Check ServicesVerified
Check copy fee (each)	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=check_image; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Check copy fee (each) / $ 3.00"	Source
Stop Payment (each item)	$25
Cash & DepositVerified
Returned Item Chargeback(per item)	$5Below the typical range ($9–$25 nationally)	$10 below the national median	per item	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=deposited_item_return; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Returned Item Chargeback(per item) / $ 5.00"	Source
Account ServicesVerified
Garnishment or Levy	$10Below the typical range ($30–$75 nationally)	$40 below the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=garnishment_levy; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Garnishment or Levy / $10.00"	Source
Other FeesVerified
Statement Copy(per copy)	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #7344. canonical_hint=document_reproduction; text_hash=9245fd9e86a3cfc745dd128f623d8bd1080a14a9d905692b90115d233e3ef430; excerpt="Statement Copy(per copy) / $ 1.00"	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.

NSF fee: $28

7% below the national median NSF fee

Total fees: 13 — leaner than most institutions

Published fees

Under review

Assets

$13.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$13.9M

Total deposits

$11.2M

Service charge income (year to date)

$23K

Fee income ratio

6.4%

Return on assets

-1.72%

Financial profile · Pro

Performance from regulator filings

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