La Joya Area Federal Credit Union

Headquarters: La Joya, Texas
Charter: Credit Union
Assets: $62.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
La Joya Area Federal Credit Union: No fee
La Joya Area Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
La Joya Area Federal Credit Union: No fee
La Joya Area Federal Credit Union: No fee
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
La Joya Area Federal Credit Union: $25 to $32.50
La Joya Area Federal Credit Union: $25 to $32.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 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 La Joya Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service ChargeNo charge
per month
Account Closed within 90 Days of Opening$20
Dormant Account$5
Inactivity Fee on Accounts that maintain a balance of less than $5.00$5
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft PrivilegeNo charge
ACH NSF Fee$32.50
per item
Member Check Returned NSF$25
NSF Fee$32.50
per item
Overdraft Protection Transfer From Savings$2
per transaction

ATM & Card

Non Credit Union ATM$2
Stripes ATM$1.50
ATM Card Replacement$10

Wire Transfers

Wire Transfer: Outgoing$20
Wire Transfer: IncomingNo charge
Wire Transfer: International$45

Check Services

Official Checks$25
Teller Check Fee$5
Money Order Fee$1.80
per item
Stop Payment Fee: Per Item$25
per item
Temporary Checks$1
per item · Per page
Check Cashing Requiring Phone Approval$10
Items Sent For Collection Fee$20
per item

Cash & Deposit

Cash Advance$10
Deposited Item Return (Third Party) Fee$10
per item
Deposited Item Returned Uncollected$25
per item
Returned Check$20
Third Party Deposit Check Returned NSF$10

Account Services

Legal Process$25
Verification of Deposit$15

Lending Fees

Late Payment$20
Late Payment10%($30 maximum)
Late Payment (audience not stated, treated as personal)10%($30 maximum)

Retirement & IRA

IRA Closing$5

Other Fees

Fax$5
Not compared: Charged per page; comparison unavailable
per page
Photocopy$2
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$2
Not compared: Charged per page; comparison unavailable
per page
Loan Application FeeNo charge
Skip-A-Pay$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	No charge	per month	None
Account Closed within 90 Days of Opening	$20	Not stated	None
Dormant Account	$5	Not stated	None
Inactivity Fee on Accounts that maintain a balance of less than $5.00	$5	Not stated	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Privilege	No charge	Not stated	None
ACH NSF Fee	$32.50	per item	None
Member Check Returned NSF	$25	Not stated	None
NSF Fee	$32.50	per item	None
Overdraft Protection Transfer From Savings	$2	per transaction	None
ATM & Card
Non Credit Union ATM	$2	Not stated	None
Stripes ATM	$1.50	Not stated	None
ATM Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$20	Not stated	None
Wire Transfer: Incoming	No charge	Not stated	None
Wire Transfer: International	$45	Not stated	None
Check Services
Official Checks	$25	Not stated	None
Teller Check Fee	$5	Not stated	None
Money Order Fee	$1.80	per item	None
Stop Payment Fee: Per Item	$25	per item	None
Temporary Checks	$1	per item	Per page
Check Cashing Requiring Phone Approval	$10	Not stated	None
Items Sent For Collection Fee	$20	per item	None
Cash & Deposit
Cash Advance	$10	Not stated	None
Deposited Item Return (Third Party) Fee	$10	per item	None
Deposited Item Returned Uncollected	$25	per item	None
Returned Check	$20	Not stated	None
Third Party Deposit Check Returned NSF	$10	Not stated	None
Account Services
Legal Process	$25	Not stated	None
Verification of Deposit	$15	Not stated	None
Lending Fees
Late Payment	$20	Not stated	None
Late Payment	10%($30 maximum)	Not stated	None
Late Payment (audience not stated, treated as personal)	10%($30 maximum)	Not stated	None
Retirement & IRA
IRA Closing	$5	Not stated	None
Other Fees
Fax	$5Not compared: Charged per page; comparison unavailable	per page	None
Photocopy	$2Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$2Not compared: Charged per page; comparison unavailable	per page	None
Loan Application Fee	No charge	Not stated	None
Skip-A-Pay	$35	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 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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