Railroad Employees Federal Credit Union

Headquarters: Belen, New Mexico
Charter: Credit Union
Assets: $79.9M
Fed district: Kansas City

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Wire Transfer (Domestic Out)
Railroad Employees Federal Credit Union: $15
Railroad Employees Federal Credit Union: $15
U.S. median: no median
Stop Payment
Railroad Employees Federal Credit Union: $25
Railroad Employees Federal Credit Union: $25
U.S. median: no median
Debit Card Replacement
Railroad Employees Federal Credit Union: $10
Railroad Employees Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Railroad Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee (1st 90 days)$10
Inactive Account$5
per month
Reconciliation/Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Reconciliation/Research | $20.00/Hour

Overdraft & NSF

Daily Negative Balance Fee$2.50
per day

ATM & Card

Card Replacement (Debit or ATM)$10

Wire Transfers

Wire Transfer (Outgoing)$15
per item

Check Services

Stop Payment$25

Account Services

Notary (Non-member)$5

Lending Fees

Late Fee (Consumer Loans)$18
Late Fee (Mortgage Loans)$35

Other Fees

Statement Copy$2.50
Returned Loan Payment$30

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (1st 90 days)	$10	Not stated	None
Inactive Account	$5	per month	None
Reconciliation/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Reconciliation/Research \| $20.00/Hour
Overdraft & NSF
Daily Negative Balance Fee	$2.50	per day	None
ATM & Card
Card Replacement (Debit or ATM)	$10	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$15	per item	None
Check Services
Stop Payment	$25	Not stated	None
Account Services
Notary (Non-member)	$5	Not stated	None
Lending Fees
Late Fee (Consumer Loans)	$18	Not stated	None
Late Fee (Mortgage Loans)	$35	Not stated	None
Other Fees
Statement Copy	$2.50	Not stated	None
Returned Loan Payment	$30	Not stated	None

Correct a fee source

Nov 1, 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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