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

La Joya Area Federal Credit Union

La Joya, TexasCredit UnionDallas Fed districtFees collected Apr 2, 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

Account Closed within 90 Days of Opening$20Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Member Check Returned NSF$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
Source
NSF Fee$32.50Above the typical range ($25–$31.50 nationally)
$2.50 above the national median
Source
Overdraft Privilege$0Below the typical range ($25–$32 nationally)
$30 below the national median
Source
Overdraft Protection Transfer From Savings$2Below the typical range ($3–$5 nationally)
$3 below the national median
per transaction · Source
Returned Check$20Below the typical range ($25–$31.50 nationally)
$10 below the national median
Source

ATM & CardVerified

ATM Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source
Non Credit Union ATM$2Within the typical range ($1–$2.50 nationally)
$0.17 above the national median
Source
Stripes ATM$1.50Within the typical range ($1–$2.50 nationally)
$0.33 below the national median
Source

Wire TransfersVerified

Wire Transfer:: Incoming$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source
Wire Transfer:: Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

3rd Party Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Source
Check Cashing Requiring Phone Approval$10Within the typical range ($5–$10 nationally)
$5 above the national median
Source
Money Order Fee$1.80Within the typical range ($1.75–$3 nationally)
$0.20 below the national median
Source
Stop Payment Fee - Per Item$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Source
Stop Payment Fee:: Per Item$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Source
Teller Check Fee$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source

Cash & DepositVerified

Cash Advance$10Within the typical range ($3–$10 nationally)
$5 above the national median
Source
Deposited Item Return (Third Party) Fee$10Within the typical range ($10–$25 nationally)
$5 below the national median
per item · Source
Deposited Item Returned Uncollected$25Within the typical range ($10–$25 nationally)
$10 above the national median
Source
Third Party Deposit Check Returned NSF$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source

Account ServicesVerified

Legal Process$25Below the typical range ($46.25–$150 nationally)
$75 below the national median
Source
Verification of Deposit$15Within the typical range ($8.98–$15 nationally)
$5 above the national median
Source

Other FeesVerified

Loan Application Fee$0Below the typical range ($22.50–$35 nationally)
$30 below the national median
Source
Photocopy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closed within 90 Days of Opening	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	—	Source
Account Reconciliation Fee	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Monthly Service Charge	$0Below the typical range ($3–$10 nationally)	$5.50 below the national median	per month	—	Source
Overdraft & NSFVerified
Member Check Returned NSF	$25Within the typical range ($25–$31.50 nationally)	$5 below the national median	—	—	Source
NSF Fee	$32.50
ATM & CardVerified
ATM Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Non Credit Union ATM	$2
Wire TransfersVerified
Wire Transfer:: Incoming	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	—	Source
Wire Transfer:: Outgoing	$20
Check ServicesVerified
3rd Party Check Cashing Fee	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Check Cashing Requiring Phone Approval	$10
Cash & DepositVerified
Cash Advance	$10Within the typical range ($3–$10 nationally)	$5 above the national median	—	—	Source
Deposited Item Return (Third Party) Fee	$10
Account ServicesVerified
Legal Process	$25Below the typical range ($46.25–$150 nationally)	$75 below the national median	—	—	Source
Verification of Deposit	$15
Lending FeesVerified
Late Payment	$20Within the typical range ($12.75–$25 nationally)	$1 below the national median	—	—	Source
Retirement & IRAVerified
IRA Closing	$5Below the typical range ($25–$35 nationally)	$20 below the national median	—	—	Source
Other FeesVerified
Loan Application Fee	$0Below the typical range ($22.50–$35 nationally)	$30 below the national median	—	—	Source
Photocopy	$2

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Headline fees published

11 of 15

Published fees

Under review

Assets

$62.2M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$62.2M

Total deposits

$54.1M

Service charge income (year to date)

$444K

Fee income ratio

19.8%

Return on assets

0.06%

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 37,913 published fee entries from 2,651 institutions

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Published fees

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How the headline fees compare

Size and fee revenue

Performance from regulator filings

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