vs. U.S. typical range:LowerTypicalHigher
$6 below the national median$7 below the Texas median
per month · Source
$2.50 above the national median$5 above the Texas median
At the national medianAt the Texas median
$2.50 above the national median$5 above the Texas median
$30 below the national median$30 below the Texas median
$5 below the national median$5 below the Texas median
$2.50 above the national median$2.50 above the Texas median
per item · Source
$3 below the national median$2.75 below the Texas median
per transaction · Source
$0.50 above the national median$0.50 above the Texas median
At the national medianAt the Texas median
At the national median$2.50 above the Texas median
$5 below the national medianAt the Texas median
$10 below the national median$5 below the Texas median
$5 below the national median$5 below the Texas median
$20 above the national median$20 above the Texas median
At the national medianAt the Texas median
$0.20 below the national median$0.20 below the Texas median
per item · Source
$2.50 below the national median$4.50 below the Texas median
per item · Institution’s schedule
$2.50 below the national median$4.50 below the Texas median
per item · Source
$1 below the national median$1 below the Texas median
per item · Per page · Institution’s schedule
At the national medianAt the Texas median
$5 above the national median$5 above the Texas median
At the national medianAt the Texas median
per item · Source
$5 above the national median$5 above the Texas median
$5 below the national median$2 below the Texas median
per item · Source
$10 above the national median$13 above the Texas median
per item · Source
$5 above the national median$8 above the Texas median
$5 below the national median$2 below the Texas median
$25 below the national median$50 below the Texas median
$5 above the national median$5 above the Texas median
$10 above the national median$5 above the Texas median
At the national median$5 below the Texas median
—
$20 below the national median$17.50 below the Texas median
$2 above the national median$2 above the Texas median
per item · Source
$1 below the national median$1 below the Texas median
per item · Source
$37.50 below the national median$25 below the Texas median
$2.50 below the national median$10 above the Texas median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly Service Charge | $0Below the typical range ($4–$10 nationally) | $6 below the national median$7 below the Texas median | per month | — | Source |
| Account Closed within 90 Days of Opening | $20Within the typical range ($10–$25 nationally) | $2.50 above the national median$5 above the Texas median | — | — | Source |
| Dormant Account | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Texas median | — | — | Source |
| Account Reconciliation Fee | $20Within the typical range ($11–$25 nationally) | $2.50 above the national median$5 above the Texas median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Privilege | $0Below the typical range ($25–$33 nationally) | $30 below the national median$30 below the Texas median | — | — | Source |
| Member Check Returned NSF | $25 | ||||
ATM & CardVerified | |||||
| Non Credit Union ATM | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Texas median | — | — | Source |
| Stripes ATM | $1.50 | ||||
Wire TransfersVerified | |||||
| Wire Transfer: Outgoing | $20Within the typical range ($20–$25 nationally) | $5 below the national medianAt the Texas median | — | — | Source |
| Wire Transfer: Incoming | $0 | ||||
Check ServicesVerified | |||||
| Official Checks | $25Above the typical range ($3–$6 nationally) | $20 above the national median$20 above the Texas median | — | — | Source |
| Teller Check Fee | $5 | ||||
Cash & DepositVerified | |||||
| Cash Advance | $10Within the typical range ($2–$10 nationally) | $5 above the national median$5 above the Texas median | — | — | Source |
| Deposited Item Return (Third Party) Fee | $10 | ||||
Account ServicesVerified | |||||
| Legal Process | $25Below the typical range ($30–$100 nationally) | $25 below the national median$50 below the Texas median | — | — | Source |
| Verification of Deposit | $15 | ||||
Lending FeesVerified | |||||
| 10.00% of the payment due after 7 days past due | $30Above the typical range ($10–$25 nationally) | $10 above the national median$5 above the Texas median | — | — | Source |
| Late Payment | $20 | ||||
Retirement & IRAVerified | |||||
| IRA Closing | $5Below the typical range ($25–$35 nationally) | $20 below the national median$17.50 below the Texas median | — | — | Source |
Other FeesVerified | |||||
| Fax | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Texas median | per item | — | Source |
| Photocopy | $2 | ||||
Overdraft
$0.00
Of 124 others that publish it, 0 lower, 1 the same and 123 higher.
Monthly maintenance
$0.00
Of 73 others that publish it, 0 lower, 7 the same and 66 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Headline fees published
12 of 15
Published fees
37
Under review
0
Assets
$62.2M
Work at La Joya Area Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $5 below the national median$5 below the Texas median |
| — |
| — |
| Source |
| NSF Fee | $32.50Above the typical range ($25–$32 nationally) | $2.50 above the national median$2.50 above the Texas median | per item | — | Source |
| Overdraft Protection Transfer From Savings | $2Below the typical range ($2.50–$5 nationally) | $3 below the national median$2.75 below the Texas median | per transaction | — | Source |
| At the national medianAt the Texas median |
| — |
| — |
| Source |
| ATM Card Replacement | $10Within the typical range ($5–$10 nationally) | At the national median$2.50 above the Texas median | — | — | Source |
| $10 below the national median$5 below the Texas median |
| — |
| — |
| Source |
| Wire Transfer: International | $45Within the typical range ($40–$50 nationally) | $5 below the national median$5 below the Texas median | — | — | Source |
| At the national medianAt the Texas median |
| — |
| — |
| Source |
| Money Order Fee | $1.80Within the typical range ($1.50–$3 nationally) | $0.20 below the national median$0.20 below the Texas median | per item | — | Source |
| Stop Payment Fee - Per Item | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$4.50 below the Texas median | per item | — | Institution’s schedule |
| Stop Payment Fee: Per Item | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$4.50 below the Texas median | per item | — | Source |
| Temporary Checks | $1Within the typical range ($1–$4 nationally) | $1 below the national median$1 below the Texas median | per item | Per page | Institution’s schedule |
| 3rd Party Check Cashing Fee | $5Within the typical range ($5–$10 nationally) | At the national medianAt the Texas median | — | — | Source |
| Check Cashing Requiring Phone Approval | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Texas median | — | — | Source |
| Items Sent For Collection Fee | $20Within the typical range ($10–$25 nationally) | At the national medianAt the Texas median | per item | — | Source |
| $5 below the national median$2 below the Texas median |
| per item |
| — |
| Source |
| Deposited Item Returned Uncollected | $25Within the typical range ($8–$25 nationally) | $10 above the national median$13 above the Texas median | per item | — | Source |
| Returned Check | $20Within the typical range ($8–$25 nationally) | $5 above the national median$8 above the Texas median | — | — | Source |
| Third Party Deposit Check Returned NSF | $10Within the typical range ($8–$25 nationally) | $5 below the national median$2 below the Texas median | — | — | Source |
| $5 above the national median$5 above the Texas median |
| — |
| — |
| Source |
| At the national median$5 below the Texas median |
| — |
| — |
| Source |
| Late Payment | 10%($30 maximum) | — | — | — | Source |
| $1 below the national median$1 below the Texas median |
| per item |
| — |
| Source |
| Loan Application Fee | $0Below the typical range ($25–$100 nationally) | $37.50 below the national median$25 below the Texas median | — | — | Source |
| Skip-A-Pay | $35Within the typical range ($25–$100 nationally) | $2.50 below the national median$10 above the Texas median | per item | — | Source |