Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Railroad Employees Federal Credit Union

Belen, New MexicoCredit UnionKansas City Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Reconciliation/Research$20Within the typical range ($20–$25 nationally)

ATM & CardVerified

Card Replacement (Debit or ATM)$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Transfer (Outgoing)$15Below the typical range ($20–$25 nationally)
$9 below the national median
Source

Check ServicesVerified

Stop Payment$25Within the typical range ($20–$30 nationally)
At the national median
Source

Account ServicesVerified

Notary (Non-member)$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source

Lending FeesVerified

Late Fee (Consumer Loans)$18Within the typical range ($15–$25 nationally)
$4.50 below the national median
Source
Late Fee (Mortgage Loans)$35Above the typical range ($15–$25 nationally)
$12.50 above the national median
Source

Other FeesVerified

Statement Copy$2.50Within the typical range ($2–$5 nationally)
$0.50 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Reconciliation/Research	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
ATM & CardVerified
Card Replacement (Debit or ATM)	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Wire Transfer (Outgoing)	$15Below the typical range ($20–$25 nationally)	$9 below the national median	—	—	Source
Check ServicesVerified
Stop Payment	$25Within the typical range ($20–$30 nationally)	At the national median	—	—	Source
Account ServicesVerified
Notary (Non-member)	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median	—	—	Source
Lending FeesVerified
Late Fee (Consumer Loans)	$18Within the typical range ($15–$25 nationally)	$4.50 below the national median	—	—	Source
Late Fee (Mortgage Loans)	$35Above the typical range ($15–$25 nationally)
Other FeesVerified
Statement Copy	$2.50Within the typical range ($2–$5 nationally)	$0.50 below the national median	—	—	Source

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Headline fees published

3 of 15

Published fees

Under review

Assets

$79.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$79.9M

Total deposits

$70.5M

Service charge income (year to date)

$283K

Fee income ratio

11.4%

Return on assets

1.15%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 32,192 verified fees from 2,423 institutions

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