Rio Grande Valley Credit Union

Headquarters: Harlingen, Texas
Charter: Credit Union
Assets: $180.1M
Fed district: Dallas

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Monthly Maintenance
Valley Checking $4 · Interest Bearing Grande Checking $6
Compared at $5, the middle of its prices
Rio Grande Valley Credit Union: $4 to $6
Rio Grande Valley Credit Union: $4 to $6
U.S. median: no median
Overdraft (OD)
Rio Grande Valley Credit Union: $25
Rio Grande Valley Credit Union: $25
U.S. median: no median
NSF / Returned Item
Rio Grande Valley Credit Union: $25
Rio Grande Valley Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 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 Rio Grande Valley Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Interest Bearing Grande Checking Monthly service charge$6
per month
Valley Checking Monthly service charge$4
per month
Account Reconciliation ($20.00 minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research ($20.00 minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Overdraft Protection$25
per item
Insufficient Funds$25
per item
Insufficient Funds (NSF)$25
Overdraft Transfer from Savings$3
per item

ATM & Card

Foreign ATM Surcharge$3.50
per transaction
Debit Card Replacement$5
per item
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Incoming Wire$15
per item

Check Services

Money Order$2
per item
Stop Payment$25
per item
Temporary Checks$5
Check Copies$10
per item
Check Copies (two free per month)$2
per item

Account Services

Box Drilling Actual Cost Plus$30
Not compared: Box drilling or key fee
Safe Deposit Box 10 X 10$90
Safe Deposit Box 3 X 10$40
per year
Safe Deposit Box 3 X 5$30
per year
Safe Deposit Box 5 X 10$50
Safe Deposit Box: Wire Transfer$15
per year
Levies, Liens, Freezes & Garnishments$50
per item

Retirement & IRA

IRA Yearly Maintenance$10
per year
IRA Closure$5

Vehicle & Title

Vehicle Title Loan Processing .$30

Gift & Prepaid Cards

Gift Cards$3
per item

Other Fees

Photocopy$0.25
per item
Statement Copy$3
Not compared: Monthly charge, not per item
per month
Buck, Fast Cash & Fast Cash Plus Loan Processing$20
Layaway Loan Processing$30
Salary Advance Loan Processing$30
Share/CD Secured Loan Processing$30
Not compared: CD/IRA fee

Fee	Amount	Basis	Note
Account Maintenance
Interest Bearing Grande Checking Monthly service charge	$6	per month	None
Valley Checking Monthly service charge	$4	per month	None
Account Reconciliation ($20.00 minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research ($20.00 minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Overdraft Protection	$25	per item	None
Insufficient Funds	$25	per item	None
Insufficient Funds (NSF)	$25	Not stated	None
Overdraft Transfer from Savings	$3	per item	None
ATM & Card
Foreign ATM Surcharge	$3.50	per transaction	None
Debit Card Replacement	$5	per item	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$15	per item	None
Check Services
Money Order	$2	per item	None
Stop Payment	$25	per item	None
Temporary Checks	$5	Not stated	None
Check Copies	$10	per item	None
Check Copies (two free per month)	$2	per item	None
Account Services
Box Drilling Actual Cost Plus	$30Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10	$90	Not stated	None
Safe Deposit Box 3 X 10	$40	per year	None
Safe Deposit Box 3 X 5	$30	per year	None
Safe Deposit Box 5 X 10	$50	Not stated	None
Safe Deposit Box: Wire Transfer	$15	per year	None
Levies, Liens, Freezes & Garnishments	$50	per item	None
Retirement & IRA
IRA Yearly Maintenance	$10	per year	None
IRA Closure	$5	Not stated	None
Vehicle & Title
Vehicle Title Loan Processing .	$30	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3	per item	None
Other Fees
Photocopy	$0.25	per item	None
Statement Copy	$3Not compared: Monthly charge, not per item	per month	None
Buck, Fast Cash & Fast Cash Plus Loan Processing	$20	Not stated	None
Layaway Loan Processing	$30	Not stated	None
Salary Advance Loan Processing	$30	Not stated	None
Share/CD Secured Loan Processing	$30Not compared: CD/IRA fee	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 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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