Zia Federal Credit Union

Headquarters: Los Alamos, New Mexico
Charter: Credit Union
Assets: $308.1M
Fed district: Kansas City

16 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
Zia Federal Credit Union: $3
Zia Federal Credit Union: $3
U.S. median: no median
Overdraft (OD)
Zia Federal Credit Union: $35
Zia Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Zia Federal Credit Union: $35
Zia Federal Credit Union: $35
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 New Mexico, the Kansas City 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).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 Zia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee — Zia Basic Checking$3
per month
Early Account Closure Fee$12.50
Dormant Account Fee$10
per month
Escheatment Fee$50
Research Fee$30
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee | $30.00 per hour
Returned Mail Fee$5
per month

Overdraft & NSF

Overdraft Fee$35
per item
Non-Sufficient Funds (NSF) Fee$35
per item

ATM & Card

ATM Usage Fee/Out-of-network$3
per item
Replacement Debit Card Fee$10
per item

Wire Transfers

Domestic Wire Transfer Fee - Outgoing$15
per item

Check Services

Money Order/Cashier's Check Fee$3
Stop Payment Fee$30
per item

Digital & Electronic

One-Time ACH Origination Fee$15
one time

Cash & Deposit

Returned Deposit Item Fee$15
per item

Account Services

Levy/Garnishment Fee$50
per item

Gift & Prepaid Cards

Gift Card Fee$2.50
per item

Other Fees

Copy of Statement Fee$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee — Zia Basic Checking	$3	per month	None
Early Account Closure Fee	$12.50	Not stated	None
Dormant Account Fee	$10	per month	None
Escheatment Fee	$50	Not stated	None
Research Fee	$30Not compared: Charged per hour; comparison unavailable	per hour	Research Fee \| $30.00 per hour
Returned Mail Fee	$5	per month	None
Overdraft & NSF
Overdraft Fee	$35	per item	None
Non-Sufficient Funds (NSF) Fee	$35	per item	None
ATM & Card
ATM Usage Fee/Out-of-network	$3	per item	None
Replacement Debit Card Fee	$10	per item	None
Wire Transfers
Domestic Wire Transfer Fee - Outgoing	$15	per item	None
Check Services
Money Order/Cashier's Check Fee	$3	Not stated	None
Stop Payment Fee	$30	per item	None
Digital & Electronic
One-Time ACH Origination Fee	$15	one time	None
Cash & Deposit
Returned Deposit Item Fee	$15	per item	None
Account Services
Levy/Garnishment Fee	$50	per item	None
Gift & Prepaid Cards
Gift Card Fee	$2.50	per item	None
Other Fees
Copy of Statement Fee	$3	per item	None

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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