Houston Federal Credit Union

Headquarters: Sugar Land, Texas
Charter: Credit Union
Assets: $952.0M
Fed district: Dallas

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

Source: its fee schedule, read Nov 3, 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)
Houston Federal Credit Union: $24
Houston Federal Credit Union: $24
U.S. median: no median
NSF / Returned Item
Houston Federal Credit Union: $24
Houston Federal Credit Union: $24
U.S. median: no median
Non-Network ATM
Houston Federal Credit Union: $1
Houston Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 Houston Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account (per month)$7.50
per month
Account Balancing Assistance$25
Account Balancing Assistance (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Savings/Money Market (excess withdrawal fee)$17
Bad Address Fee (per month)$7.50
per month

Overdraft & NSF

Overdraft Protection – ODP (per item presentment)$24
per item
Nonsufficient funds – NSF (of annual renewal fee)$24
Nonsufficient Funds (of annual renewal fee)$24

ATM & Card

ATM (HFCU Member)$1
Card replacement (One free per calendar year)$5

Wire Transfers

Wire Transfer Fees: Domestic - Outgoing$15
Wire Transfer Fees: Domestic - IncomingNo charge
Foreign - IncomingNo charge

Check Services

Cashier’s Checks (Non-Member)$5
Cashier’s Checks (One free per day for HFCU member)$3
Not compared: Daily charge, not per item
per day
Checks - Money Order$2
Money Order$2
Stop payments (per item)$25
per item
Temporary Check$2
per item
Temporary Check (per check)$2
per item
Check Cashing Non-Member$5
Collection item - Incoming$10
Check Copy – Online BankingNo charge
Check Copy (per item)$2
per item

Digital & Electronic

Bill Payment Electronic Rush Payment$6.95
Bill Payment Overnight Delivery$34.95
Bill Payment Second Day Delivery$29.95
Check Bill Payment ServiceNo charge

Account Services

Cost$17.50
Safe Deposit Box 10 x 10 x 24$100
Safe Deposit Box 2 x 5 x 24$17.50
Safe Deposit Box 3 x 10 x 24$40
Safe Deposit Box 3 x 5 x 24$22.50
Safe Deposit Box 5 x 10 x 24$60
Safe Deposit Box 5 x 5 x 24$27.50
Garnishments, Executions, Levies and other subpoenas$50

Lending Fees

Late Fee$10
Late Fee - Loans (the lesser of)$25
Late Fee – Credit Card (the lesser of)$15

Vehicle & Title

Electronic Title Lien Fee$5
Not compared: Daily charge, not per item
per day

Gift & Prepaid Cards

Gift Cards up to (per card)$3.95
per item

Other Fees

Account Activity Printout/Statement Copy$2
Photocopy$2
Skip-a-Pay Fee (per loan skipped)$25
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

Correct a fee source

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.

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