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

Southland Federal Credit Union

Lufkin, TexasCredit UnionDallas Fed districtFees collected Feb 17, 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

Record Reconciliation or Research (per hour)$20Within the typical range ($20–$25 nationally)

Return Mail$10

$15 below the national median

Source

Overdraft & NSFVerified

Insufficient Funds (NSF) - (per item, Check and/or ATM / Debit Card))$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Source

ATM & CardVerified

Debit Card (not used at a SFCU ATM or CO-OP Branded ATM)$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
Source
Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Incoming Wire Transfers$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source

Check ServicesVerified

Copy of Check (per item)$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Money Orders (per money order, up to )$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Stop Payment Fee$20Within the typical range ($20–$30 nationally)
$6 below the national median
Source
Teller Checks (fee is charged if member request more than one per day)$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
per day · Source
Temporary Checks (limited to 8 checks, used to allow for regular check processing$5Above the typical range ($1–$4 nationally)
$3 above the national median
Source

Other FeesVerified

Copy of Statements (per page)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Record Reconciliation or Research (per hour)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Return Mail	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Overdraft & NSFVerified
Insufficient Funds (NSF) - (per item, Check and/or ATM / Debit Card))	$25Within the typical range ($25–$31 nationally)	$5 below the national median	per item	—	Source
ATM & CardVerified
Debit Card (not used at a SFCU ATM or CO-OP Branded ATM)	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Debit Card Replacement	$10
Wire TransfersVerified
Incoming Wire Transfers	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Check ServicesVerified
Copy of Check (per item)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	—	Source
Money Orders (per money order, up to )	$1
Other FeesVerified
Copy of Statements (per page)	$2Within the typical range ($2–$5 nationally)	$1 below 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.

NSF fee: $25

17% below the national median NSF fee

Total fees: 12 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$89.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$89.2M

Total deposits

$76.0M

Service charge income (year to date)

$293K

Fee income ratio

10.1%

Return on assets

1.03%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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