vs. U.S. typical range:LowerTypicalHigher
$3 below the national median$2 below the New Mexico median
per month · Source
$5 below the national median$12.50 below the New Mexico median
$5 above the national median$5 above the New Mexico median
per month · Source
$12.50 above the national median$12.50 above the New Mexico median
$12.50 below the national median$12.50 below the New Mexico median
per month · Knox extract.rules v33 categorized a line held for review from Rosetta artifact #562. canonical_hint=account_research; text_hash=cf3e603f01d85013d31d29e391cb464fe4af43c538611312089975932a746c9d; excerpt="Returned Mail Fee | $5.00 each month" · Source
$5 above the national median$5 above the New Mexico median
per item · Source
$5 above the national median$10 above the New Mexico median
per item · Source
$1.50 above the national median$1.50 above the New Mexico median
per transaction · Source
At the national medianAt the New Mexico median
per item · Source
$10 below the national median$5 below the New Mexico median
per item · Source
$1 above the national median$0.50 above the New Mexico median
$2.50 above the national median$2 above the New Mexico median
per item · Source
$5 above the national median$7.50 above the New Mexico median
At the national median$5 above the New Mexico median
per item · Source
At the national medianAt the New Mexico median
per item · Source
$1 below the national median$2.49 below the New Mexico median
per item · Source
At the national medianAt the New Mexico median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly Service Fee — Zia Basic Checking | $3Below the typical range ($4–$10 nationally) | $3 below the national median$2 below the New Mexico median | per month | — | Source |
| Early Account Closure Fee | $12.50Within the typical range ($10–$25 nationally) | $5 below the national median$12.50 below the New Mexico median | — | — | Source |
| Dormant Account Fee | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the New Mexico median | per month | — | Source |
| Research Fee | $30Above the typical range ($12–$25 nationally) | $12.50 above the national median$12.50 above the New Mexico median | — | — | Source |
| Returned Mail Fee | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$12.50 below the New Mexico median | per month | Knox extract.rules v33 categorized a line held for review from Rosetta artifact #562. canonical_hint=account_research; text_hash=cf3e603f01d85013d31d29e391cb464fe4af43c538611312089975932a746c9d; excerpt="Returned Mail Fee | $5.00 each month" | Source |
Overdraft & NSFVerified | |||||
| Overdraft Fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$5 above the New Mexico median | per item | — | Source |
| Non-Sufficient Funds (NSF) Fee | $35 | ||||
ATM & CardVerified | |||||
| ATM Usage Fee/Out-of-network | $3Above the typical range ($1–$2.25 nationally) | $1.50 above the national median$1.50 above the New Mexico median | per transaction | — | Source |
| Replacement Debit Card Fee | $10 | ||||
Wire TransfersVerified | |||||
| Domestic Wire Transfer Fee - Outgoing | $15Below the typical range ($20–$25 nationally) | $10 below the national median$5 below the New Mexico median | per item | — | Source |
Check ServicesVerified | |||||
| Money Order/Cashier's Check Fee | $3Within the typical range ($1.50–$3 nationally) | $1 above the national median$0.50 above the New Mexico median | — | — | Source |
| Stop Payment Fee | $30 | ||||
Digital & ElectronicVerified | |||||
| One-Time ACH Origination Fee | $15Within the typical range ($5–$20 nationally) | $5 above the national median$7.50 above the New Mexico median | — | — | Source |
Cash & DepositVerified | |||||
| Returned Deposit Item Fee | $15Within the typical range ($8–$25 nationally) | At the national median$5 above the New Mexico median | per item | — | Source |
Account ServicesVerified | |||||
| Levy/Garnishment Fee | $50Within the typical range ($30–$90 nationally) | At the national medianAt the New Mexico median | per item | — | Source |
Gift & Prepaid CardsVerified | |||||
| Gift Card Fee | $2.50Below the typical range ($3–$4.95 nationally) | $1 below the national median$2.49 below the New Mexico median | per item | — | Source |
Other FeesVerified | |||||
| Copy of Statement Fee | $3Within the typical range ($2–$5 nationally) | At the national medianAt the New Mexico median | per item | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$35
Headline fees published
8 of 15
Published fees
17
Under review
0
Assets
$308.1M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$308.1M
Total deposits
$246.7M
Service charge income (year to date)
$1.5M
Fee income ratio
16.7%
Return on assets
0.45%
Financial profile · Pro
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| $5 above the national median$10 above the New Mexico median |
| per item |
| — |
| Source |
| At the national medianAt the New Mexico median |
| per item |
| — |
| Source |
| $2.50 above the national median$2 above the New Mexico median |
| per item |
| — |
| Source |