vs. U.S. typical range:LowerTypicalHigher
$20 above the national median$20 above the Texas median
At the national medianAt the Texas median
per month · Source
$2.50 below the national median$0.50 below the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
At the national median$0.25 above the Texas median
per item · Source
$0.50 above the national median$0.50 above the Texas median
per transaction · Source
At the national median$2.50 above the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
$2.50 above the national median$0.50 above the Texas median
per item · Source
$1 above the national median$1 above the Texas median
per item · Source
$5 below the national median$5 below the Texas median
per item · Source
$1 below the national median$1 below the Texas median
per item · Source
$10 below the national median$7 below the Texas median
per item · Source
$55 above the national median$55 above the Texas median
$10 above the national median$10 above the Texas median
$15 above the national median$15 above the Texas median
$25 below the national median$25 below the Texas median
$5 above the national median$5 above the Texas median
$20 below the national median$20 below the Texas median
At the national median$25 below the Texas median
$2 above the national median$2 above the Texas median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Dormant Account Fee | $25Above the typical range ($5–$10 nationally) | $20 above the national median$20 above the Texas 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 medianAt the Texas median | per month | — | Source |
| Account Research/Reconciliation Fee | $15Within the typical range ($12–$25 nationally) | $2.50 below the national median$0.50 below the Texas median | per item | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Fee | $30Within the typical range ($25–$33 nationally) | At the national medianAt the Texas 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–$2.25 nationally) | $0.50 above the national median$0.50 above the Texas median | per transaction | — | Source |
| Plastic Card Replacement Fee | $10 | ||||
Check ServicesVerified | |||||
| Cashier's Check Fee | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Texas median | per item | — | Source |
| Money Order Fee | $2 | ||||
Cash & DepositVerified | |||||
| Deposited Item Return Fee | $5Below the typical range ($8–$25 nationally) | $10 below the national median$7 below the Texas median | per item | — | Source |
Account ServicesVerified | |||||
| Drilling Fee | $100Above the typical range ($30–$70 nationally) | $55 above the national median$55 above the Texas median | — | — | Source |
| Key Replacement | $55 | ||||
Other FeesVerified | |||||
| Statement Copy Fee | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Texas median | — | — | Source |
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$30
Headline fees published
8 of 15
Published fees
23
Under review
0
Assets
$583.1M
Work at Education First Federal Credit Union? See every fee vs. your peers.
Fee Insight Pro
Need this every month, for your whole team?
Pro gives up to 5 people the Hamilton workspace: your fees against peers you pick, a watchlist of competitor fee changes, and cited board-ready reports.
Financial Context
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
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| At the national medianAt the Texas median |
| per item |
| — |
| Source |
| Overdraft Transfer Fee | $5Within the typical range ($2.50–$5 nationally) | At the national median$0.25 above the Texas median | per item | — | Source |
| At the national median$2.50 above the Texas median |
| per item |
| — |
| Source |
| At the national medianAt the Texas median |
| per item |
| — |
| Source |
| Stop Payment Fee (check or pre-authorized electronic debit) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$0.50 above the Texas median | per item | — | Source |
| Temporary Checks (4) | $3Within the typical range ($1–$4 nationally) | $1 above the national median$1 above the Texas median | per item | — | Source |
| Collection Items | $15Within the typical range ($10–$25 nationally) | $5 below the national median$5 below the Texas median | per item | — | Source |
| Copy of Paid Check Fee | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Texas median | per item | — | Source |
| $10 above the national median$10 above the Texas median |
| — |
| — |
| Source |
| Safe Deposit Box 10x10 | $60Within the typical range ($30–$70 nationally) | $15 above the national median$15 above the Texas median | — | — | Source |
| Safe Deposit Box 3x5 | $20Below the typical range ($30–$70 nationally) | $25 below the national median$25 below the Texas median | — | — | Source |
| Safe Deposit Box 5x10 | $50Within the typical range ($30–$70 nationally) | $5 above the national median$5 above the Texas median | — | — | Source |
| Safe Deposit Box 5x5 | $25Below the typical range ($30–$70 nationally) | $20 below the national median$20 below the Texas median | — | — | Source |
| Legal Process Fee | $50Within the typical range ($30–$100 nationally) | At the national median$25 below the Texas median | — | — | Source |