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

Baycel Federal Credit Union

Bay City, TexasCredit UnionDallas Fed districtFees collected Oct 6, 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 Research$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

ACH Overdraft$30Within the typical range ($25–$32 nationally)
At the national median
Source
Debit Card Overdraft$30Within the typical range ($25–$32 nationally)
At the national median
per item · Source
Overdraft Protection$2Below the typical range ($3–$5 nationally)
$3 below the national median
Source
Returned Item$30Within the typical range ($25–$31.50 nationally)
At the national median
per item · Source

Check ServicesVerified

/Hour Minimum | Stop Payment$20Within the typical range ($20–$30 nationally)
$6 below the national median
Source
Teller's Check$1Below the typical range ($3–$6 nationally)
$4 below the national median
per item · Source

Gift & Prepaid CardsVerified

Gift Card$4.50Within the typical range ($3–$4.50 nationally)
$1 above the national median
Source
Gift Card Re-load$2.50Below the typical range ($3–$4.50 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Account Research charge of	$25Within the typical range ($20–$25 nationally)	At the national median	per item	—	Source
Dormant/Inactive Account	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
ACH Overdraft	$30Within the typical range ($25–$32 nationally)	At the national median	—	—	Source
Debit Card Overdraft	$30Within the typical range ($25–$32 nationally)
ATM & CardVerified
Debit Card Replacement	$20Above the typical range ($5–$10 nationally)	$10 above the national median	—	—	Source
Wire TransfersVerified
Wire Transfer (Outgoing)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
/Hour Minimum \| Stop Payment	$20Within the typical range ($20–$30 nationally)	$6 below the national median	—	—	Source
Teller's Check	$1
Cash & DepositVerified
Deposited Item Return	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per item	—	Source
Retirement & IRAVerified
Annual IRA Maintenance	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per year	—	Source
Gift & Prepaid CardsVerified
Gift Card	$4.50Within the typical range ($3–$4.50 nationally)	$1 above the national median	—	—	Source
Gift Card Re-load	$2.50
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$92.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$92.2M

Total deposits

$71.9M

Service charge income (year to date)

$170K

Fee income ratio

7.0%

Return on assets

2.50%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 40,759 published fee entries from 2,663 institutions

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