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, $300M to $1B

Education First Federal Credit Union

Beaumont, 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

Account Research/Reconciliation Fee$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$30Within the typical range ($25–$32 nationally)
At the national median
per item · Source
Non-Sufficient Funds (NSF) Fee: ACH Debit$30Within the typical range ($25–$31 nationally)
At the national median
per item · Source
Overdraft Transfer Fee$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

ATM Transaction Fee (excludes ATMs owned by Education First FCU & those included in CU Pass)$2Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
per transaction · Source
Plastic Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Source

Check ServicesVerified

Cashier's Check Fee$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Copy of Paid Check Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Money Order Fee$2Within the typical range ($1.75–$3 nationally)
At the national median
per item · Source
Stop Payment Fee (check or pre-authorized electronic debit)$30Within the typical range ($20–$30 nationally)
$5 above the national median
per item · Source
Temporary Checks (4)$3Within the typical range ($1–$4 nationally)
$1 above the national median
Source

Account ServicesVerified

10x10$60Within the typical range ($25–$80 nationally)
$15 above the national median
Source
3x5$20Below the typical range ($25–$80 nationally)
$25 below the national median
Source
5x10$50Within the typical range ($25–$80 nationally)
$5 above the national median
Source
5x5$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
Drilling Fee$100Above the typical range ($25–$80 nationally)
$55 above the national median
Source
Key Replacement$55Within the typical range ($25–$80 nationally)
$10 above the national median
Source
Legal Process Fee$50Within the typical range ($40–$150 nationally)
$50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation Fee	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Dormant Account Fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Inactive Account Fee (if no activity for 12 months, under and no other services)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$30Within the typical range ($25–$32 nationally)	At the national median	per item	—	Source
Non-Sufficient Funds (NSF) Fee: ACH Debit	$30
ATM & CardVerified
ATM Transaction Fee (excludes ATMs owned by Education First FCU & those included in CU Pass)	$2Within the typical range ($1–$2.50 nationally)	$0.25 above the national median	per transaction	—	Source
Plastic Card Replacement Fee	$10
Check ServicesVerified
Cashier's Check Fee	$5Within the typical range ($3–$5.50 nationally)	At the national median	per item	—	Source
Copy of Paid Check Fee	$2
Cash & DepositVerified
Deposited Item Return Fee	$5Below the typical range ($10–$25 nationally)	$10 below the national median	per item	—	Source
Account ServicesVerified
10x10	$60Within the typical range ($25–$80 nationally)	$15 above the national median	—	—	Source
3x5	$20Below the typical range ($25–$80 nationally)
Other FeesVerified
Statement Copy Fee	$5Within the typical range ($2–$5 nationally)	$2 above 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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 22 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$583.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$583.1M

Total deposits

$532.6M

Service charge income (year to date)

$2.3M

Fee income ratio

11.5%

Return on assets

0.72%

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 33,861 verified fees from 2,470 institutions

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