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, $1B to $10B

Del Norte Federal Credit Union

Los Alamos, New MexicoCredit UnionKansas City Fed districtFees collected Oct 7, 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

Star Checking Monthly Service Fee – fee assessed if balance falls below$7Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

may overdraft an account and result in multiple fees$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the New Mexico median
Source
Non-Sufficient Funds (NSF) Item – an item may be presented more than once and result in multiple fees$30Within the typical range ($25–$32 nationally)
At the national median$5 above the New Mexico median
Source
Non-Sufficient Funds (NSF) Recurring Debit Item – an item may be presented more than once and result in multiple fees$25Within the typical range ($25–$32 nationally)
$5 below the national medianAt the New Mexico median
Source

ATM & CardVerified

Out‐Of‐Network ATM Fee (per withdrawal)$1.50Within the typical range ($1–$2.25 nationally)
At the national medianAt the New Mexico median
per transaction · Source
Replace lost ATM or Debit Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the New Mexico median
Source
Foreign Transaction Fee1%of the transaction
—
per transaction · Source

Check ServicesVerified

Cashier’s Checks$2.50Below the typical range ($3–$6 nationally)
$2.50 below the national median$2.50 below the New Mexico median
Source
Stop Payment – checking account, bill pay, POP$, and external transfers$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$7 above the New Mexico median
Source
Temporary Checks – per page$2Within the typical range ($1–$4 nationally)
At the national medianAt the New Mexico median
per item · Source
Foreign Collection Item (incoming/outgoing)$25Within the typical range ($10–$25 nationally)
$5 above the national median$2.50 above the New Mexico median
Source

Account ServicesVerified

Notary Public – (per notarized document)$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$5 below the New Mexico median
Source
‐ 10x10 box$100Above the typical range ($30–$70 nationally)
$55 above the national median$58.75 above the New Mexico median
Source
‐ 3x10 box$40Within the typical range ($30–$70 nationally)
$5 below the national median$1.25 below the New Mexico median
Source
‐ 3x5 box$20Below the typical range ($30–$70 nationally)
$25 below the national median$21.25 below the New Mexico median
Source
‐ 5x10 box$50Within the typical range ($30–$70 nationally)
$5 above the national median$8.75 above the New Mexico median
Source
‐ 5x5 box$30Within the typical range ($30–$70 nationally)
$15 below the national median$11.25 below the New Mexico median
Source
Levies/Garnishments$50Within the typical range ($30–$87.50 nationally)
At the national medianAt the New Mexico median
Source

Lending FeesVerified

Late fee$15Within the typical range ($10–$25 nationally)
$5 below the national medianAt the New Mexico median
per item · Source
late fee will be charged on loans that are 15 days or more past due$15Within the typical range ($10–$25 nationally)
$5 below the national medianAt the New Mexico median
Source
Late Payment Fee$25Within the typical range ($10–$25 nationally)
$5 above the national median$10 above the New Mexico median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Star Checking Monthly Service Fee – fee assessed if balance falls below	$7Within the typical range ($4–$10 nationally)	$1 above the national median$2 above the New Mexico median	per month	—	Source
Account Closed (within 3 months of opening)	$5Below the typical range ($10–$25 nationally)	$12.50 below the national median$20 below the New Mexico median	—	—	Source
Dormant Account – Dormant accounts will be assessed a	$10Within the typical range ($5–$10 nationally)	$5 above the national median$5 above the New Mexico median	per month	—	Source
Account Balancing/Research (per hour)	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$2.50 above the New Mexico median	—	—	Source
Returned Mail	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the New Mexico median	—	—	Source
Overdraft & NSFVerified
may overdraft an account and result in multiple fees	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the New Mexico median	—	—	Source
Non-Sufficient Funds (NSF) Item – an item may be presented more than once and result in multiple fees	$30
ATM & CardVerified
Out‐Of‐Network ATM Fee (per withdrawal)	$1.50Within the typical range ($1–$2.25 nationally)	At the national medianAt the New Mexico median	per transaction	—	Source
Replace lost ATM or Debit Card	$10
Wire TransfersVerified
Domestic Wire Transfer (outgoing)	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the New Mexico median	—	—	Source
Foreign Wire Transfer (outgoing) – plus exchange fees	$50
Check ServicesVerified
Cashier’s Checks	$2.50Below the typical range ($3–$6 nationally)	$2.50 below the national median$2.50 below the New Mexico median	—	—	Source
Stop Payment – checking account, bill pay, POP$, and external transfers	$35
Digital & ElectronicVerified
One-time ACH Origination	$15Within the typical range ($5–$20 nationally)	$5 above the national median$7.50 above the New Mexico median	—	—	Source
Cash & DepositVerified
Cash Advances	$0Below the typical range ($2–$10 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
Notary Public – (per notarized document)	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$5 below the New Mexico median	—	—	Source
‐ 10x10 box	$100
Lending FeesVerified
Late fee	$15Within the typical range ($10–$25 nationally)	$5 below the national medianAt the New Mexico median	per item	—	Source
late fee will be charged on loans that are 15 days or more past due	$15
Other FeesVerified
Application fee	$20Below the typical range ($25–$100 nationally)	$17.50 below the national median$14.25 below the New Mexico median	one time	—	Source
Processing Fee	$37

Against Kansas City Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$25.00
Of 102 others that publish it, 12 lower, 19 the same and 71 higher.
Monthly maintenance
$7.00
Of 56 others that publish it, 37 lower, 3 the same and 16 higher.

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.5B

Total deposits

$1.3B

Service charge income (year to date)

$2.7M

Fee income ratio

5.8%

Return on assets

0.78%

Financial profile · Pro

Performance from regulator filings

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