Memorial Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $84.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 5, 2026.

Explore Hamilton View published fees

Fees against the market

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

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

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Memorial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee (within 180 days of opening)$5
Account Research (per hour, 1 hour min)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$3

Overdraft & NSF

Overdraft Privilege (per item-Check, ACH, Debit)$30
per item
Home Banking (Online) Free Non-Sufficient Funds (per item-Check, ACH, Debit)$30
per item
Overdraft from Line of Credit$2
Overdraft from Savings$5

ATM & Card

ATM Withdrawal (at ATMS not owned by MCU)$2
Debit Card Replacement$8

Wire Transfers

Incoming Wire (Domestic or International)$10

Check Services

Bank Check$5
Money Order (per money order, up to $500)$3
Person to Person Transfer (P2P) Free Stop Payment (per item)$30
per item
Temporary Checks (10 checks)$5
Non Member Check Cashing Fee$10
Account to Account Transfer (A2A) Free Copy of Paid Check (with representative)$5

Cash & Deposit

Cash Advance$3
Not compared: Monthly charge, not per item
per month
Returned Deposit (per item-Check, ACH, Debit)$30
per item

Account Services

Account Verification$5

Gift & Prepaid Cards

Gift Card$3
per item · per card up to $1,000
Gift Card (per card up to $1,000)$3

Other Fees

Photocopy (per copy)$2
per item
Lien Release$15
Skip a Pay Fee (per loan skipped)$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee (within 180 days of opening)	$5	Not stated	None
Account Research (per hour, 1 hour min)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$3	Not stated	None
Overdraft & NSF
Overdraft Privilege (per item-Check, ACH, Debit)	$30	per item	None
Home Banking (Online) Free Non-Sufficient Funds (per item-Check, ACH, Debit)	$30	per item	None
Overdraft from Line of Credit	$2	Not stated	None
Overdraft from Savings	$5	Not stated	None
ATM & Card
ATM Withdrawal (at ATMS not owned by MCU)	$2	Not stated	None
Debit Card Replacement	$8	Not stated	None
Wire Transfers
Incoming Wire (Domestic or International)	$10	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Money Order (per money order, up to $500)	$3	Not stated	None
Person to Person Transfer (P2P) Free Stop Payment (per item)	$30	per item	None
Temporary Checks (10 checks)	$5	Not stated	None
Non Member Check Cashing Fee	$10	Not stated	None
Account to Account Transfer (A2A) Free Copy of Paid Check (with representative)	$5	Not stated	None
Cash & Deposit
Cash Advance	$3Not compared: Monthly charge, not per item	per month	None
Returned Deposit (per item-Check, ACH, Debit)	$30	per item	None
Account Services
Account Verification	$5	Not stated	None
Gift & Prepaid Cards
Gift Card	$3	per item	per card up to $1,000
Gift Card (per card up to $1,000)	$3	Not stated	None
Other Fees
Photocopy (per copy)	$2	per item	None
Lien Release	$15	Not stated	None
Skip a Pay Fee (per loan skipped)	$25	per item	None

Correct a fee source

Oct 5, 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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