Education First Federal Credit Union

Headquarters: Beaumont, Texas
Charter: Credit Union
Assets: $583.1M
Fed district: Dallas

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Overdraft (OD)
Education First Federal Credit Union: $30
Education First Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Education First Federal Credit Union: $30
Education First Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Education First Federal Credit Union: $2
Education First Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Education First Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee (closure of primary savings account within 180 days of opening)$25
Dormant Account Fee$25
Inactive Account Fee (if no activity for 12 months, under and no other services)$5
per month
Account Research/Reconciliation Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement/Mail Fee$5

Overdraft & NSF

Courtesy Pay Fee$30
per item
Non-Sufficient Funds (NSF) Fee: ACH Debit$30
per item
Returned Item Fee (drawn on members' account by another financial institution)$30
per item
Overdraft Transfer Fee$5
per item

ATM & Card

ATM Transaction Fee$2
per item
ATM Transaction Fee (excludes ATMs owned by Education First FCU & those included in CU Pass)$2
per transaction
Plastic Card Replacement Fee$10
per item

Check Services

Cashier's Check Fee$5
per item
Money Order Fee$2
per item
Stop Payment Fee (check or pre-authorized electronic debit)$30
per item
Temporary Checks (4)$3
per item
Collection Items$15
per item
Copy of Paid Check Fee$2
per item

Cash & Deposit

Deposited Item Return Fee$5
per item

Account Services

3 x 10: 5x10$25
per year
3 x 5: 5x5$20
per year
Drilling Fee$100
Not compared: Box drilling or key fee
Key Replacement$55
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$60
per year
Safe Deposit Box 3x10$25
per year
Safe Deposit Box 3x5$20
per year
Safe Deposit Box 5x10$50
per year
Safe Deposit Box 5x5$25
per year
Legal Process Fee$50

Other Fees

Statement Copy Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (closure of primary savings account within 180 days of opening)	$25	Not stated	None
Dormant Account Fee	$25	Not stated	None
Inactive Account Fee (if no activity for 12 months, under and no other services)	$5	per month	None
Account Research/Reconciliation Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement/Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	per item	None
Non-Sufficient Funds (NSF) Fee: ACH Debit	$30	per item	None
Returned Item Fee (drawn on members' account by another financial institution)	$30	per item	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
ATM Transaction Fee	$2	per item	None
ATM Transaction Fee (excludes ATMs owned by Education First FCU & those included in CU Pass)	$2	per transaction	None
Plastic Card Replacement Fee	$10	per item	None
Check Services
Cashier's Check Fee	$5	per item	None
Money Order Fee	$2	per item	None
Stop Payment Fee (check or pre-authorized electronic debit)	$30	per item	None
Temporary Checks (4)	$3	per item	None
Collection Items	$15	per item	None
Copy of Paid Check Fee	$2	per item	None
Cash & Deposit
Deposited Item Return Fee	$5	per item	None
Account Services
3 x 10: 5x10	$25	per year	None
3 x 5: 5x5	$20	per year	None
Drilling Fee	$100Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$55Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$60	per year	None
Safe Deposit Box 3x10	$25	per year	None
Safe Deposit Box 3x5	$20	per year	None
Safe Deposit Box 5x10	$50	per year	None
Safe Deposit Box 5x5	$25	per year	None
Legal Process Fee	$50	Not stated	None
Other Fees
Statement Copy Fee	$5	Not stated	None

Correct a fee source

Nov 1, 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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