Common Cents Federal Credit Union

Headquarters: Beaumont, Texas
Charter: Credit Union
Assets: $34.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Monthly Maintenance
Common Checking
Common Cents Federal Credit Union: $4
Common Cents Federal Credit Union: $4
U.S. median: no median
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Common Cents Federal Credit Union: $28 to $30
Common Cents Federal Credit Union: $28 to $30
U.S. median: no median
NSF / Returned Item
Common Cents Federal Credit Union: $30
Common Cents Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 Common Cents Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Common Checking Monthly service fee$4
per month
Account Closure Fee$25
Dormant Account Fee$25
Inactive Account (no activity for a 12-month period)$25
Not compared: Annual charge, not monthly
per year
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address- Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay overdraft fee$30
Overdraft Courtesy Pay Fee$28
Non-Sufficient Funds (NSF)$30
Return Item Fee$30
Overdraft Transfer$5
per item

ATM & Card

ATM Inquiry$1
ATM Withdrawal (out of network)$3
Debit Card Replacement$20
per item

Wire Transfers

Wires: Domestic- Outgoing Wire$20
Wires: Domestic- Incoming Wire$10

Check Services

Cashier’s Check$5
Stop Payment – ALL forms of payment$25
Credit Union Counter Check$3
Check Cashing (for accounts with less than $100.00, and no other CU services)$20
Check Cashing Fee From a members Account$1.50
Share Draft Copy$2
per item

Cash & Deposit

Cash AdvanceNo charge
Cash Advance Fee$6

Account Services

Notary for Non-Members$10
Notary Services (for members only)No charge
Safe Deposit Box (annual fees): 3” x 10’ box$20
per year
Safe Deposit Box 10” x 10”$45
Safe Deposit Box 5” x 10”$30
Safe Deposit Box- Lost Key$100
Not compared: Box drilling or key fee
per item
Legal Items (Levy, Writs and Garnishments)$50
per item

Gift & Prepaid Cards

Visa Gift Cards$5

Other Fees

Fax Services$3
Not compared: Charged per page; comparison unavailable
per page
Tax Information (Copy of 1099’s/1098’s)$5
Loan Payment by Phone$5
Skip a Pay Fee$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Common Checking Monthly service fee	$4	per month	None
Account Closure Fee	$25	Not stated	None
Dormant Account Fee	$25	Not stated	None
Inactive Account (no activity for a 12-month period)	$25Not compared: Annual charge, not monthly	per year	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address- Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay overdraft fee	$30	Not stated	None
Overdraft Courtesy Pay Fee	$28	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
Return Item Fee	$30	Not stated	None
Overdraft Transfer	$5	per item	None
ATM & Card
ATM Inquiry	$1	Not stated	None
ATM Withdrawal (out of network)	$3	Not stated	None
Debit Card Replacement	$20	per item	None
Wire Transfers
Wires: Domestic- Outgoing Wire	$20	Not stated	None
Wires: Domestic- Incoming Wire	$10	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment – ALL forms of payment	$25	Not stated	None
Credit Union Counter Check	$3	Not stated	None
Check Cashing (for accounts with less than $100.00, and no other CU services)	$20	Not stated	None
Check Cashing Fee From a members Account	$1.50	Not stated	None
Share Draft Copy	$2	per item	None
Cash & Deposit
Cash Advance	No charge	Not stated	None
Cash Advance Fee	$6	Not stated	None
Account Services
Notary for Non-Members	$10	Not stated	None
Notary Services (for members only)	No charge	Not stated	None
Safe Deposit Box (annual fees): 3” x 10’ box	$20	per year	None
Safe Deposit Box 10” x 10”	$45	Not stated	None
Safe Deposit Box 5” x 10”	$30	Not stated	None
Safe Deposit Box- Lost Key	$100Not compared: Box drilling or key fee	per item	None
Legal Items (Levy, Writs and Garnishments)	$50	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$5	Not stated	None
Other Fees
Fax Services	$3Not compared: Charged per page; comparison unavailable	per page	None
Tax Information (Copy of 1099’s/1098’s)	$5	Not stated	None
Loan Payment by Phone	$5	Not stated	None
Skip a Pay Fee	$30	per item	None

Correct a fee source

Oct 19, 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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