Kirtland Federal Credit Union

Headquarters: Albuquerque, New Mexico
Charter: Credit Union
Assets: $1.1B
Fed district: Kansas City

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
E-Checking Fees $5 · Freedom-Plus Checking Fees $7
Compared at $6, the middle of its prices
Kirtland Federal Credit Union: $5 to $7
Kirtland Federal Credit Union: $5 to $7
U.S. median: no median
Overdraft (OD)
Kirtland Federal Credit Union: $15
Kirtland Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Kirtland Federal Credit Union: $30
Kirtland 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 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City 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.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Kirtland Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$5
per month
Monthly Service Charge$7
per month
Dormant Account$5
per month
Account Reconciliation/Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$5
per month
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$15
per item
Minus Courtesy Pay fee$15
NSF (Insufficient Funds)$30
per item
Return the item (NSF) back to the payee$30
per item

ATM & Card

Replacement Card$10
per item
Rush Order Card$30

Wire Transfers

Wire Transfer (domestic)$25
Wire Transfer (international)$50

Check Services

Cashier’s Check$2
per item
Stop Payment (Check)$25
per item
Temporary Checks$2
Not compared: Charged per page; comparison unavailable
per page
Foreign Item Collection$25
per item
Check Copies$2
per item

Account Services

Notary Public$2
Box Rental Size 10” x 10”$95
per year
Box Rental Size 14” x 10”$143
per year
Box Rental Size 14” x 27”$325
per year
Box Rental Size 3” x 10”$43
per year
Box Rental Size 3” x 5”$22
per year
Box Rental Size 5” x 10”$65
per year
Drilling of Box$200
Not compared: Box drilling or key fee
Replace Lost Key$25
Not compared: Box drilling or key fee
Legal Process$50
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Statement Copy$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$5	per month	None
Monthly Service Charge	$7	per month	None
Dormant Account	$5	per month	None
Account Reconciliation/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$5	per month	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$15	per item	None
Minus Courtesy Pay fee	$15	Not stated	None
NSF (Insufficient Funds)	$30	per item	None
Return the item (NSF) back to the payee	$30	per item	None
ATM & Card
Replacement Card	$10	per item	None
Rush Order Card	$30	Not stated	None
Wire Transfers
Wire Transfer (domestic)	$25	Not stated	None
Wire Transfer (international)	$50	Not stated	None
Check Services
Cashier’s Check	$2	per item	None
Stop Payment (Check)	$25	per item	None
Temporary Checks	$2Not compared: Charged per page; comparison unavailable	per page	None
Foreign Item Collection	$25	per item	None
Check Copies	$2	per item	None
Account Services
Notary Public	$2	Not stated	None
Box Rental Size 10” x 10”	$95	per year	None
Box Rental Size 14” x 10”	$143	per year	None
Box Rental Size 14” x 27”	$325	per year	None
Box Rental Size 3” x 10”	$43	per year	None
Box Rental Size 3” x 5”	$22	per year	None
Box Rental Size 5” x 10”	$65	per year	None
Drilling of Box	$200Not compared: Box drilling or key fee	Not stated	None
Replace Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Statement Copy	$2	per item	None

Correct a fee source

Oct 15, 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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