25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Houston Federal Credit Union · $952M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Houston Federal Credit Union(this institution) | Sugar Land, TX | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abnb Federal Credit Union | Chesapeake, VA | $914M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alpena-Alcona Area Federal Credit Union | Alpena, MI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Altaone Federal Credit Union | Ridgecrest, CA | $967M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Belco Community Credit Union | Harrisburg, PA | $974M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Certified Federal Credit Union | El Monte, CA | $925M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Choice Federal Credit Union | Johnston, IA | $923M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Resource Federal Credit Union | Baytown, TX | $930M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fortera Federal Credit Union | Clarksville, TN | $947M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gather Federal Credit Union | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greenwood Federal Credit Union | Warwick, RI | $957M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nutmeg State Financial Federal Credit Union | Rocky Hill, CT | $916M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Qualstar Federal Credit Union | Bothell, WA | $939M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tlc Community Federal Credit Union | Adrian, MI | $950M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True Community Federal Credit Union | Jackson, MI | $955M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Westreet Federal Credit Union | Tulsa, OK | $967M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Houston Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Houston Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour
per hour
per month
per day
per item
per item
per item
per item
per day
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account (per month) | $7.50 | per month | None |
| Account Balancing Assistance | $25 | Not stated | None |
| Account Balancing Assistance (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25 | Not stated | None |
| Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Savings/Money Market (excess withdrawal fee) | $17 | Not stated | None |
| Bad Address Fee (per month) | $7.50 | per month | None |
Overdraft & NSF | |||
| Overdraft Protection – ODP (per item presentment) | $24 | per item | None |
| Nonsufficient funds – NSF (of annual renewal fee) | $24 | Not stated | None |
| Nonsufficient Funds (of annual renewal fee) | $24 | Not stated | None |
ATM & Card | |||
| ATM (HFCU Member) | $1 | Not stated | None |
| Card replacement (One free per calendar year) | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Domestic - Outgoing | $15 | Not stated | None |
| Wire Transfer Fees: Domestic - Incoming | No charge | Not stated | None |
| Foreign - Incoming | No charge | Not stated | None |
Check Services | |||
| Cashier’s Checks (Non-Member) | $5 | Not stated | None |
| Cashier’s Checks (One free per day for HFCU member) | $3Not compared: Daily charge, not per item | per day | None |
| Checks - Money Order | $2 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Stop payments (per item) | $25 | per item | None |
| Temporary Check | $2 | per item | None |
| Temporary Check (per check) | $2 | per item | None |
| Check Cashing Non-Member | $5 | Not stated | None |
| Collection item - Incoming | $10 | Not stated | None |
| Check Copy – Online Banking | No charge | Not stated | None |
| Check Copy (per item) | $2 | per item | None |
Digital & Electronic | |||
| Bill Payment Electronic Rush Payment | $6.95 | Not stated | None |
| Bill Payment Overnight Delivery | $34.95 | Not stated | None |
| Bill Payment Second Day Delivery | $29.95 | Not stated | None |
| Check Bill Payment Service | No charge | Not stated | None |
Account Services | |||
| Cost | $17.50 | Not stated | None |
| Safe Deposit Box 10 x 10 x 24 | $100 | Not stated | None |
| Safe Deposit Box 2 x 5 x 24 | $17.50 | Not stated | None |
| Safe Deposit Box 3 x 10 x 24 | $40 | Not stated | None |
| Safe Deposit Box 3 x 5 x 24 | $22.50 | Not stated | None |
| Safe Deposit Box 5 x 10 x 24 | $60 | Not stated | None |
| Safe Deposit Box 5 x 5 x 24 | $27.50 | Not stated | None |
| Garnishments, Executions, Levies and other subpoenas | $50 | Not stated | None |
Lending Fees | |||
| Late Fee | $10 | Not stated | None |
| Late Fee - Loans (the lesser of) | $25 | Not stated | None |
| Late Fee – Credit Card (the lesser of) | $15 | Not stated | None |
Vehicle & Title | |||
| Electronic Title Lien Fee | $5Not compared: Daily charge, not per item | per day | None |
Gift & Prepaid Cards | |||
| Gift Cards up to (per card) | $3.95 | per item | None |
Other Fees | |||
| Account Activity Printout/Statement Copy | $2 | Not stated | None |
| Photocopy | $2 | Not stated | None |
| Skip-a-Pay Fee (per loan skipped) | $25 | per item | None |
Nov 3, 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.
Fee change alerts
We check once a day and send one email covering every change.