Southland Federal Credit Union

Headquarters: Lufkin, Texas
Charter: Credit Union
Assets: $89.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 20, 2026.

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Fees against the market

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

NSF / Returned Item
Southland Federal Credit Union: $25
Southland Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Southland Federal Credit Union: $1
Southland Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Southland Federal Credit Union: $20
Southland Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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 Southland Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (when member closes account within 90 days of opening)$5
Inactivity Fee (per month, after 12 months of inactivity)$5
per month
Record Reconciliation or Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail$10

Overdraft & NSF

Insufficient Funds (NSF) - (per item, Check and/or ATM / Debit Card)$25
per item

ATM & Card

Debit Card (not used at a SFCU ATM or CO-OP Branded ATM)$1
Debit Card Replacement$10

Wire Transfers

Domestic Outgoing Wires$20
Incoming Wire Transfers$15
International Outgoing Wires$45

Check Services

Teller Checks (fee is charged if member request more than one per day)$2
Not compared: Daily charge, not per item
per day
Money Orders (per money order, up to $1,000)$1
Stop Payment Fee$20
Temporary Checks$5
Copy of Check (per item)$2
per item

Other Fees

Copy of Statements (per page)$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (when member closes account within 90 days of opening)	$5	Not stated	None
Inactivity Fee (per month, after 12 months of inactivity)	$5	per month	None
Record Reconciliation or Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail	$10	Not stated	None
Overdraft & NSF
Insufficient Funds (NSF) - (per item, Check and/or ATM / Debit Card)	$25	per item	None
ATM & Card
Debit Card (not used at a SFCU ATM or CO-OP Branded ATM)	$1	Not stated	None
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Outgoing Wires	$20	Not stated	None
Incoming Wire Transfers	$15	Not stated	None
International Outgoing Wires	$45	Not stated	None
Check Services
Teller Checks (fee is charged if member request more than one per day)	$2Not compared: Daily charge, not per item	per day	None
Money Orders (per money order, up to $1,000)	$1	Not stated	None
Stop Payment Fee	$20	Not stated	None
Temporary Checks	$5	Not stated	None
Copy of Check (per item)	$2	per item	None
Other Fees
Copy of Statements (per page)	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 20, 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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