vs. U.S. typical range:LowerTypicalHigher
$12.50 below the national median$10 below the Texas median
$12.50 below the national median$10 below the Texas median
$7.50 above the national median$10 above the Texas median
At the national medianAt the Texas median
At the national medianAt the Texas median
per item · Source
At the national medianAt the Texas median
per item · Source
$3 below the national median$2.75 below the Texas median
At the national median$0.25 above the Texas median
$0.50 above the national median$0.50 above the Texas median
$2 below the national median$0.50 above the Texas median
$10 below the national median$5 below the Texas median
At the national medianAt the Texas median
$1 above the national median$1 above the Texas median
$2.50 above the national median$0.50 above the Texas median
per item · Source
$3 above the national median$3 above the Texas median
$5 above the national median$5 above the Texas median
$2 above the national median$2 above the Texas median
$2 below the national median$2 below the Texas median
per month · Source
$15 above the national median$18 above the Texas median
per item · Source
$5 below the national median$5 below the Texas median
$0.50 below the national median$0.50 below the Texas median
per item · per card up to $1,000 · Institution’s schedule
$0.50 below the national median$0.50 below the Texas median
$1 below the national median$1 below the Texas median
per item · Source
$22.50 below the national median$10 below the Texas median
$12.50 below the national medianAt the Texas median
per item · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Christmas Club Early Withdrawal Fee | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$10 below the Texas median | — | — | Source |
| Closed Account Fee (within 180 days of opening) | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$10 below the Texas median | — | — | Source |
| Account Research (per hour, 1 hour min) | $25Within the typical range ($11–$25 nationally) | $7.50 above the national median$10 above the Texas median | — | — | Source |
| Paper Statement | $3Within the typical range ($2–$4.50 nationally) | At the national medianAt the Texas median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Privilege (per item-Check, ACH, Debit) | $30Within the typical range ($25–$33 nationally) | At the national medianAt the Texas median | per item | — | Source |
| Home Banking (Online) Free Non-Sufficient Funds (per item-Check, ACH, Debit) | $30 | ||||
ATM & CardVerified | |||||
| ATM Withdrawal (at ATMS not owned by MCU) | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.50 above the Texas median | — | — | Source |
| Debit Card Replacement | $8 | ||||
Wire TransfersVerified | |||||
| Incoming Wire (Domestic or International) | $10Within the typical range ($10–$25 nationally) | $10 below the national median$5 below the Texas median | — | — | Source |
Check ServicesVerified | |||||
| Bank Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Texas median | — | — | Source |
| Money Order (per money order, up to $500) | $3 | ||||
Cash & DepositVerified | |||||
| Cash Advance | $3Within the typical range ($2–$10 nationally) | $2 below the national median$2 below the Texas median | per month | — | Source |
| Returned Deposit (per item-Check, ACH, Debit) | $30 | ||||
Account ServicesVerified | |||||
| Account Verification | $5Within the typical range ($5–$15 nationally) | $5 below the national median$5 below the Texas median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| Gift Card | $3Within the typical range ($3–$4.95 nationally) | $0.50 below the national median$0.50 below the Texas median | per item | per card up to $1,000 | Institution’s schedule |
| Gift Card (per card up to $1,000) | $3 | ||||
Other FeesVerified | |||||
| Photocopy (per copy) | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the Texas median | per item | — | Source |
| Lien Release | $15 | ||||
Overdraft
$30.00
Of 122 others that publish it, 49 lower, 39 the same and 34 higher.
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
9 of 15
Published fees
25
Under review
0
Assets
$84.2M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$84.2M
Total deposits
$74.3M
Service charge income (year to date)
$451K
Fee income ratio
15.1%
Return on assets
0.02%
Financial profile · Pro
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| At the national medianAt the Texas median |
| per item |
| — |
| Source |
| Overdraft from Line of Credit | $2Below the typical range ($2.50–$5 nationally) | $3 below the national median$2.75 below the Texas median | — | — | Source |
| Overdraft from Savings | $5Within the typical range ($2.50–$5 nationally) | At the national median$0.25 above the Texas median | — | — | Source |
| $2 below the national median$0.50 above the Texas median |
| — |
| — |
| Source |
| $1 above the national median$1 above the Texas median |
| — |
| — |
| Source |
| Person to Person Transfer (P2P) Free Stop Payment (per item) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$0.50 above the Texas median | per item | — | Source |
| Temporary Checks (10 checks) | $5Above the typical range ($1–$4 nationally) | $3 above the national median$3 above the Texas median | — | — | Source |
| Non Member Check Cashing Fee | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Texas median | — | — | Source |
| Account to Account Transfer (A2A) Free Copy of Paid Check (with representative) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Texas median | — | — | Source |
| $15 above the national median$18 above the Texas median |
| per item |
| — |
| Source |
| $0.50 below the national median$0.50 below the Texas median |
| — |
| — |
| Source |
| $22.50 below the national median$10 below the Texas median |
| — |
| — |
| Source |
| Skip a Pay Fee (per loan skipped) | $25Within the typical range ($25–$100 nationally) | $12.50 below the national medianAt the Texas median | per item | — | Source |