Cy-Fair Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $383.5M
Fed district: Dallas

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

Source: its fee schedule, read Oct 16, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Cy-Fair Federal Credit Union: $10
Cy-Fair Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Cy-Fair Federal Credit Union: $30
Cy-Fair Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Cy-Fair Federal Credit Union: $30
Cy-Fair Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Cy-Fair Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$10
per month
Money Market Below Minimum Balance Fee$10
per month
Account Closure (within first 6 months)$5
Dormant Member Fee (after 1 year)$10
per month
Account Reconciliation (1 Hour Minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
per month
Paper Statement Fee (If not enrolled in e-statements)$2.50
Returned Mail (incorrect address)$5

Overdraft & NSF

Overdraft Fee$30
per item
Overdraft Privilege Fee$30
Insufficient Funds$30
Overdraft Transfer from Share Savings$3

ATM & Card

All Other ATMs (Non-CFFCU & Non-Allpoint ATMs)$2.25
Replacement Card$7.50
Debit Card Rush Order$75

Wire Transfers

Domestic Wire (outgoing)$27
Incoming Wire$4
International Wire (Outgoing)$40

Check Services

Cashier's Check (1 free monthly)$5
Not compared: Monthly charge, not per item
per month
Stop Payment Fee$30
Temporary Checks (Excluding New Accounts)$5
per item · Per 6 Checks, Excluding New Accounts
Non-Member Check Cashing Fee$10
Check Copies$4

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Returned Deposit Item (3rd Party Item)$10
Returned Deposit Item (Member's Own Check)$30

Account Services

Notary Services (members only)No charge
Emergency Drill$175
Not compared: Box drilling or key fee
Lost Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 3x10$40
per year
Safe Deposit Box 3x5$25
per year
Safe Deposit Box 5x10$60
per year
Safe Deposit Box 5x5$30
per year
Scheduled Drill (Member No-Show)$175
Not compared: Box drilling or key fee
Scheduled Drilling of Safe Deposit Box$125
Not compared: Box drilling or key fee
Levies, Garnishments and Judgments$25
Levies, Garnishments and Judgments +plus Attorney fees$50
Verification of Deposit$10

Other Fees

Statement Copies$5
Loan Payment by Phone$10
Skip-A-Pay Fee$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$10	per month	None
Money Market Below Minimum Balance Fee	$10	per month	None
Account Closure (within first 6 months)	$5	Not stated	None
Dormant Member Fee (after 1 year)	$10	per month	None
Account Reconciliation (1 Hour Minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	per month	None
Paper Statement Fee (If not enrolled in e-statements)	$2.50	Not stated	None
Returned Mail (incorrect address)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Overdraft Privilege Fee	$30	Not stated	None
Insufficient Funds	$30	Not stated	None
Overdraft Transfer from Share Savings	$3	Not stated	None
ATM & Card
All Other ATMs (Non-CFFCU & Non-Allpoint ATMs)	$2.25	Not stated	None
Replacement Card	$7.50	Not stated	None
Debit Card Rush Order	$75	Not stated	None
Wire Transfers
Domestic Wire (outgoing)	$27	Not stated	None
Incoming Wire	$4	Not stated	None
International Wire (Outgoing)	$40	Not stated	None
Check Services
Cashier's Check (1 free monthly)	$5Not compared: Monthly charge, not per item	per month	None
Stop Payment Fee	$30	Not stated	None
Temporary Checks (Excluding New Accounts)	$5	per item	Per 6 Checks, Excluding New Accounts
Non-Member Check Cashing Fee	$10	Not stated	None
Check Copies	$4	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item (3rd Party Item)	$10	Not stated	None
Returned Deposit Item (Member's Own Check)	$30	Not stated	None
Account Services
Notary Services (members only)	No charge	Not stated	None
Emergency Drill	$175Not compared: Box drilling or key fee	Not stated	None
Lost Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$100	per year	None
Safe Deposit Box 3x10	$40	per year	None
Safe Deposit Box 3x5	$25	per year	None
Safe Deposit Box 5x10	$60	per year	None
Safe Deposit Box 5x5	$30	per year	None
Scheduled Drill (Member No-Show)	$175Not compared: Box drilling or key fee	Not stated	None
Scheduled Drilling of Safe Deposit Box	$125Not compared: Box drilling or key fee	Not stated	None
Levies, Garnishments and Judgments	$25	Not stated	None
Levies, Garnishments and Judgments +plus Attorney fees	$50	Not stated	None
Verification of Deposit	$10	Not stated	None
Other Fees
Statement Copies	$5	Not stated	None
Loan Payment by Phone	$10	Not stated	None
Skip-A-Pay Fee	$25	per item	None

Correct a fee source

Oct 16, 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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