Baycel Federal Credit Union

Headquarters: Bay City, Texas
Charter: Credit Union
Assets: $92.2M
Fed district: Dallas

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Baycel Federal Credit Union: $30
Baycel Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Baycel Federal Credit Union: $30
Baycel Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Baycel Federal Credit Union: $20
Baycel Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Baycel Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant/Inactive Account$10
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research charge$25
per item

Overdraft & NSF

ACH Overdraft$30
Debit Card Overdraft$30
per item
NSF$30
per item
Returned Item$30
per item
Auto Overdraft Transfer$2
per item
Overdraft Protection$2
per item

ATM & Card

Debit Card Replacement$20
per item

Wire Transfers

Wire Transfer (Outgoing)$20
per item

Check Services

Teller's Check$1
per item
Stop Payment$20
per item
Check Cashing( Non Member) (audience not stated, treated as personal)1%
Items Sent For Collection$10
per item
Copies of Checks$0.50
per item

Cash & Deposit

Deposited Item Return$30
per item

Retirement & IRA

Annual IRA Maintenance$30
per year

Gift & Prepaid Cards

Gift Card$4.50
Gift Card Re-load$2.50

Other Fees

Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactive Account	$10	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research charge	$25	per item	None
Overdraft & NSF
ACH Overdraft	$30	Not stated	None
Debit Card Overdraft	$30	per item	None
NSF	$30	per item	None
Returned Item	$30	per item	None
Auto Overdraft Transfer	$2	per item	None
Overdraft Protection	$2	per item	None
ATM & Card
Debit Card Replacement	$20	per item	None
Wire Transfers
Wire Transfer (Outgoing)	$20	per item	None
Check Services
Teller's Check	$1	per item	None
Stop Payment	$20	per item	None
Check Cashing( Non Member) (audience not stated, treated as personal)	1%	Not stated	None
Items Sent For Collection	$10	per item	None
Copies of Checks	$0.50	per item	None
Cash & Deposit
Deposited Item Return	$30	per item	None
Retirement & IRA
Annual IRA Maintenance	$30	per year	None
Gift & Prepaid Cards
Gift Card	$4.50	Not stated	None
Gift Card Re-load	$2.50	Not stated	None
Other Fees
Statement Copy	$5	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

Nov 1, 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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