Del Norte Federal Credit Union

Headquarters: Los Alamos, New Mexico
Charter: Credit Union
Assets: $1.5B
Fed district: Kansas City

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

Source: its fee schedule, read Oct 22, 2026.

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Fees against the market

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

Monthly Maintenance
Star Checking
Can be waived with a balance of $100 or more.
Del Norte Federal Credit Union: $7
Del Norte Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Del Norte Federal Credit Union: $25
Del Norte Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $27.50, the middle of its prices
Del Norte Federal Credit Union: $25 to $30
Del Norte Federal Credit Union: $25 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 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 Del Norte Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Star Checking Monthly Service Fee$7
per month
Account Closed (within 3 months of opening)$5
Dormant Account$10
per month
Account Balancing/Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$5

Overdraft & NSF

Overdraft (OD)$25
Non-Sufficient Funds (NSF) Item – an item may be presented more than once and result in multiple fees$30
Non-Sufficient Funds (NSF) Recurring Debit Item – an item may be presented more than once and result in multiple fees$25

ATM & Card

Out‐Of‐Network ATM Fee (per withdrawal)$1.50
per transaction
Replace lost ATM or Debit Card$10
Foreign Transaction Fee1%of the transaction
per transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Domestic Wire Transfer (outgoing)$15
Foreign Wire Transfer (outgoing) – plus exchange fees$50

Check Services

Cashier’s Checks$2.50
Stop Payment – checking account, bill pay, POP$, and external transfers$35
Temporary Checks – per page$2
per item
Foreign Collection Item (incoming/outgoing)$25

Digital & Electronic

One-time ACH Origination$15

Cash & Deposit

Cash AdvancesNo charge
per transaction

Account Services

‐ 10x10 box$100
‐ 3x10 box$40
‐ 3x5 box$20
‐ 5x10 box$50
‐ 5x5 box$30
Levies/Garnishments$50

Lending Fees

Late fee$15
per item
Late Payment$15
Late Payment Fee$25
per item
Application fee$20
one time
Processing Fee$37
one time
Processing fee (auto loans) (audience not stated, treated as personal)$37
one time

Other Fees

Application fee$20
one time
Processing Fee$37
one time

Fee	Amount	Basis	Note
Account Maintenance
Star Checking Monthly Service Fee	$7	per month	None
Account Closed (within 3 months of opening)	$5	Not stated	None
Dormant Account	$10	per month	None
Account Balancing/Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$5	Not stated	None
Overdraft & NSF
Overdraft (OD)	$25	Not stated	None
Non-Sufficient Funds (NSF) Item – an item may be presented more than once and result in multiple fees	$30	Not stated	None
Non-Sufficient Funds (NSF) Recurring Debit Item – an item may be presented more than once and result in multiple fees	$25	Not stated	None
ATM & Card
Out‐Of‐Network ATM Fee (per withdrawal)	$1.50	per transaction	None
Replace lost ATM or Debit Card	$10	Not stated	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Domestic Wire Transfer (outgoing)	$15	Not stated	None
Foreign Wire Transfer (outgoing) – plus exchange fees	$50	Not stated	None
Check Services
Cashier’s Checks	$2.50	Not stated	None
Stop Payment – checking account, bill pay, POP$, and external transfers	$35	Not stated	None
Temporary Checks – per page	$2	per item	None
Foreign Collection Item (incoming/outgoing)	$25	Not stated	None
Digital & Electronic
One-time ACH Origination	$15	Not stated	None
Cash & Deposit
Cash Advances	No charge	per transaction	None
Account Services
‐ 10x10 box	$100	Not stated	None
‐ 3x10 box	$40	Not stated	None
‐ 3x5 box	$20	Not stated	None
‐ 5x10 box	$50	Not stated	None
‐ 5x5 box	$30	Not stated	None
Levies/Garnishments	$50	Not stated	None
Lending Fees
Late fee	$15	per item	None
Late Payment	$15	Not stated	None
Late Payment Fee	$25	per item	None
Application fee	$20	one time	None
Processing Fee	$37	one time	None
Processing fee (auto loans) (audience not stated, treated as personal)	$37	one time	None
Other Fees
Application fee	$20	one time	None
Processing Fee	$37	one time	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 22, 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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