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 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

Bad Address/Return Mail Fee PLEASE NOTIFY US OF ANY ADDRESS CHANGES TO AVOID THIS FEE$5Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Insufficient Funds Fee (NSF)$27.50Within the typical range ($25–$31 nationally)
$2.50 below the national median
Source
Return Check Fees$10Below the typical range ($25–$31 nationally)
$20 below the national median
per item · Source

ATM & CardVerified

ATM Fees$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per transaction · Source
Debit/ATM Card Replacement Fee$7.50Within the typical range ($5–$10 nationally)
$2.50 below the national median
Source

Check ServicesVerified

Check Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Credit Union Check (equivalent to Cashier's Check)$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
per item · Source
Stop Payment Fee$27.50Within the typical range ($20–$30 nationally)
$2.50 above the national median
Source

Account ServicesVerified

10x10$70Within the typical range ($25–$80 nationally)
$25 above the national median
per year · Source
5x10$40Within the typical range ($25–$80 nationally)
$5 below the national median
per year · Source
Notary Fee$6Above the typical range ($0–$5 nationally)
$3.50 above the national median
Source
per year LOST KEY REPLACEMENT FEE$15Below the typical range ($25–$80 nationally)
$30 below the national median
per year · Source
Safety Deposit Box Rental Fee | 3x10$20Below the typical range ($25–$80 nationally)
$25 below the national median
per year · Source

Lending FeesVerified

Late Fee for Box Rent$27.50Above the typical range ($15–$25 nationally)
$5 above the national median
per year · Source
Skip-A-Payment Fee$40Above the typical range ($15–$25 nationally)
$17.50 above the national median
per year · Source

Other FeesVerified

Statement Copy Fee$3Within the typical range ($2–$5 nationally)
At the national median
per month · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Bad Address/Return Mail Fee PLEASE NOTIFY US OF ANY ADDRESS CHANGES TO AVOID THIS FEE	$5Below the typical range ($20–$25 nationally)	$20 below the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds Fee (NSF)	$27.50Within the typical range ($25–$31 nationally)	$2.50 below the national median	—	—	Source
Return Check Fees	$10
ATM & CardVerified
ATM Fees	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	per transaction	—	Source
Debit/ATM Card Replacement Fee	$7.50
Check ServicesVerified
Check Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	—	Source
Credit Union Check (equivalent to Cashier's Check)	$3
Account ServicesVerified
10x10	$70Within the typical range ($25–$80 nationally)	$25 above the national median	per year	—	Source
5x10	$40Within the typical range ($25–$80 nationally)
Lending FeesVerified
Late Fee for Box Rent	$27.50Above the typical range ($15–$25 nationally)	$5 above the national median	per year	—	Source
Skip-A-Payment Fee	$40Above the typical range ($15–$25 nationally)
Other FeesVerified
Statement Copy Fee	$3Within the typical range ($2–$5 nationally)	At the national median	per month	—	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: $27.50

8% below the national median NSF fee

Total fees: 16 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$44.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$44.8M

Total deposits

$32.6M

Service charge income (year to date)

$195K

Fee income ratio

12.7%

Return on assets

0.98%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 31,319 verified fees from 2,405 institutions

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