Austin Federal Credit Union

Headquarters: Austin, Texas
Charter: Credit Union
Assets: $38.4M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

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

Monthly Maintenance
Austin Federal Credit Union: $10
Austin Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Austin Federal Credit Union: $45
Austin Federal Credit Union: $45
U.S. median: no median
NSF / Returned Item
Compared at $31.50, the middle of its prices
Austin Federal Credit Union: $20 to $33
Austin Federal Credit Union: $20 to $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 Austin Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

E-Checking Monthly Service Fee$10
per month
Performance Checking Monthly Service Fee$10
per month
Closed acct fee (within 90 days of opening)$5
Inactive account fee after 12 months of inactivity (doesn't apply to IRAs)$5
Not compared: CD/IRA fee
per month
Account reconciliation/research (one hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour · Account reconciliation/research (one hour minimum) | $20.00 per hour
Paper Statement Fee (waived for ages 65+)$5
Excess Withdrawal Fee (Step Up Savings ONLY)$10
per item
Bad Address Fee$5
per month

Overdraft & NSF

Courtesy Pay Fee (withdrawal at ATM)$45
per item
NSF ACH charge$33
per item
NSF ATM charge$33
per item
Return check fee (checks written on your account elsewhere)$30
Return check fee (other than above)$20
Overdraft transfer charge$4
per item

ATM & Card

ATM inquiry fee (non-proprietary, non Alliance)$1
ATM withdrawal fee (non-proprietary, non Alliance)$1
ATM/debit card lost card replacement fee$5

Wire Transfers

Wire transfer fee-domestic$15
Wire fee-incoming$5

Check Services

Teller/Cashier check to member$2
per item
Teller/Cashier check to non-member$5
per item
Money Order fee$1.50
per item
Stop Payment/Postdated item request fee$33
Temporary checks$1
per item
Copy of check charge-two (2) copies free per month, Internet copies free$3

Digital & Electronic

Bill Pay ServiceNo charge

Cash & Deposit

Coin counting fee (audience not stated, treated as personal)1%
Coin counting fee1%

Account Services

Notary Fee (non-members ONLY)$6
per item
Legal process fee$50
Account verification fee$5
per item

Other Fees

Statement copy fee$2.50
Not compared: Charged per statement; comparison unavailable
per statement · Statement copy fee | $2.50 per statement

Fee	Amount	Basis	Note
Account Maintenance
E-Checking Monthly Service Fee	$10	per month	None
Performance Checking Monthly Service Fee	$10	per month	None
Closed acct fee (within 90 days of opening)	$5	Not stated	None
Inactive account fee after 12 months of inactivity (doesn't apply to IRAs)	$5Not compared: CD/IRA fee	per month	None
Account reconciliation/research (one hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	Account reconciliation/research (one hour minimum) \| $20.00 per hour
Paper Statement Fee (waived for ages 65+)	$5	Not stated	None
Excess Withdrawal Fee (Step Up Savings ONLY)	$10	per item	None
Bad Address Fee	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee (withdrawal at ATM)	$45	per item	None
NSF ACH charge	$33	per item	None
NSF ATM charge	$33	per item	None
Return check fee (checks written on your account elsewhere)	$30	Not stated	None
Return check fee (other than above)	$20	Not stated	None
Overdraft transfer charge	$4	per item	None
ATM & Card
ATM inquiry fee (non-proprietary, non Alliance)	$1	Not stated	None
ATM withdrawal fee (non-proprietary, non Alliance)	$1	Not stated	None
ATM/debit card lost card replacement fee	$5	Not stated	None
Wire Transfers
Wire transfer fee-domestic	$15	Not stated	None
Wire fee-incoming	$5	Not stated	None
Check Services
Teller/Cashier check to member	$2	per item	None
Teller/Cashier check to non-member	$5	per item	None
Money Order fee	$1.50	per item	None
Stop Payment/Postdated item request fee	$33	Not stated	None
Temporary checks	$1	per item	None
Copy of check charge-two (2) copies free per month, Internet copies free	$3	Not stated	None
Digital & Electronic
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Coin counting fee (audience not stated, treated as personal)	1%	Not stated	None
Coin counting fee	1%	Not stated	None
Account Services
Notary Fee (non-members ONLY)	$6	per item	None
Legal process fee	$50	Not stated	None
Account verification fee	$5	per item	None
Other Fees
Statement copy fee	$2.50Not compared: Charged per statement; comparison unavailable	per statement	Statement copy fee \| $2.50 per statement

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 4, 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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