U-1St Community Federal Credit Union

Headquarters: Carlsbad, New Mexico
Charter: Credit Union
Assets: $9.3M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
U-1St Community Federal Credit Union: $30
U-1St Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
U-1St Community Federal Credit Union: $30
U-1St Community Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
U-1St Community Federal Credit Union: $0.50 to $1
U-1St Community Federal Credit Union: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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.

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Published fee schedule

Amounts from U-1St Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (within 45 days of opening)$25
Dormant Account Fee (charged monthly)$10
per month
Account Research (per hour / 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research (per hour / 1 hour minimum) | $25.00
Reconcilliation / Account Balancing (per hour / 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour · Reconcilliation / Account Balancing (per hour / 1 hour minimum) | $25.00
Excessive Withdrawal (first 4 free)$2.50

Overdraft & NSF

Courtesy Pay Fee$30
Non-Sufficient Funds (member checks)$30
ATM Overdraft Transfer (per transfer)$5
per item

ATM & Card

ATM Inquiry Fee (after first 3 free)$1
ATM Withdrawal Fee (after first 3 free)$0.50
ATM/Debit Card Replacement Card$10

Check Services

Cashier's Check: Non-member$10
Cashier's Check/MembersNo charge
Money Orders$1.50
Stop Payment Fee (per item)$25
per item
Check CashingNo charge
Check Cashing ($300.01 – $500.00)$5
Collection Items (incoming, outgoing & draft)$10
Check Copies (per item)$2
per item

Cash & Deposit

Cash Advance1%of the advance

Account Services

Notary Fee (Members Only)No charge

Other Fees

Duplicate Statement or Mortgage Statement$3
Not compared: Monthly charge, not per item
per month
Facsimile (Faxes) Outgoing (per page)$2
Not compared: Charged per page; comparison unavailable
per page · Facsimile (Faxes) Outgoing (per page) | $2.00
Photocopies (per page)$1
Not compared: Charged per page; comparison unavailable
per page · Photocopies (per page) | $1.00

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (within 45 days of opening)	$25	Not stated	None
Dormant Account Fee (charged monthly)	$10	per month	None
Account Research (per hour / 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research (per hour / 1 hour minimum) \| $25.00
Reconcilliation / Account Balancing (per hour / 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	Reconcilliation / Account Balancing (per hour / 1 hour minimum) \| $25.00
Excessive Withdrawal (first 4 free)	$2.50	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-Sufficient Funds (member checks)	$30	Not stated	None
ATM Overdraft Transfer (per transfer)	$5	per item	None
ATM & Card
ATM Inquiry Fee (after first 3 free)	$1	Not stated	None
ATM Withdrawal Fee (after first 3 free)	$0.50	Not stated	None
ATM/Debit Card Replacement Card	$10	Not stated	None
Check Services
Cashier's Check: Non-member	$10	Not stated	None
Cashier's Check/Members	No charge	Not stated	None
Money Orders	$1.50	Not stated	None
Stop Payment Fee (per item)	$25	per item	None
Check Cashing	No charge	Not stated	None
Check Cashing ($300.01 – $500.00)	$5	Not stated	None
Collection Items (incoming, outgoing & draft)	$10	Not stated	None
Check Copies (per item)	$2	per item	None
Cash & Deposit
Cash Advance	1%of the advance	Not stated	None
Account Services
Notary Fee (Members Only)	No charge	Not stated	None
Other Fees
Duplicate Statement or Mortgage Statement	$3Not compared: Monthly charge, not per item	per month	None
Facsimile (Faxes) Outgoing (per page)	$2Not compared: Charged per page; comparison unavailable	per page	Facsimile (Faxes) Outgoing (per page) \| $2.00
Photocopies (per page)	$1Not compared: Charged per page; comparison unavailable	per page	Photocopies (per page) \| $1.00

Correct a fee source

Nov 4, 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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