State Employees Federal Credit Union

Headquarters: Santa Fe, New Mexico
Charter: Credit Union
Assets: $1.3B
Fed district: Kansas City

19 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.

Overdraft (OD)
State Employees Federal Credit Union: $25
State Employees Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
State Employees Federal Credit Union: $25
State Employees Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Compared at $1.08, the middle of its prices
State Employees Federal Credit Union: $0.65 to $1.50
State Employees Federal Credit Union: $0.65 to $1.50
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 State Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing Account Within First 90 Days$10
Dormant Account Fee – (12 months inactivity)$10
per month
Escheatment Fee$50
Account Reconciliation or Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research | $20.00 per hour
Returned Mail Fee$5

Overdraft & NSF

Overdraft Privilege NSF Fee$25
NSF – Nonsufficient Funds Fee$25

ATM & Card

Excessive ATM Withdrawal Fee (10 free)$0.65
Foreign ATM Fee$1.50
International ATM1%
per item
ATM/Debit Card Re-issue$10

Wire Transfers

Wire Transfer: Domestic$15

Check Services

Cashier's/Official Check Fee$1
Stop Payment Fee$25
Counter Checks$2
Not compared: Charged per page; comparison unavailable
per page · Counter Checks | $2.00 per page
Collection Items$20
Check Copies$3

Digital & Electronic

Online Banking / Bill PayNo charge

Cash & Deposit

Return Check Charge$10

Account Services

Notary ServicesNo charge
Garnishment or IRS Levy Fee$50

Lending Fees

1% Loan Origination Fee$50

Gift & Prepaid Cards

Gift Cards: Members$2.50
Gift Cards: Non-members$4.50

Other Fees

Monthly Statement Copies$3
Not compared: Monthly charge, not per item
per month
Document preparation fee$200
one time
Flood Certification Fee$19
one time
Flood Certification Fee (First Mortgage)$19
one time

Fee	Amount	Basis	Note
Account Maintenance
Closing Account Within First 90 Days	$10	Not stated	None
Dormant Account Fee – (12 months inactivity)	$10	per month	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation or Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation or Research \| $20.00 per hour
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Privilege NSF Fee	$25	Not stated	None
NSF – Nonsufficient Funds Fee	$25	Not stated	None
ATM & Card
Excessive ATM Withdrawal Fee (10 free)	$0.65	Not stated	None
Foreign ATM Fee	$1.50	Not stated	None
International ATM	1%	per item	None
ATM/Debit Card Re-issue	$10	Not stated	None
Wire Transfers
Wire Transfer: Domestic	$15	Not stated	None
Check Services
Cashier's/Official Check Fee	$1	Not stated	None
Stop Payment Fee	$25	Not stated	None
Counter Checks	$2Not compared: Charged per page; comparison unavailable	per page	Counter Checks \| $2.00 per page
Collection Items	$20	Not stated	None
Check Copies	$3	Not stated	None
Digital & Electronic
Online Banking / Bill Pay	No charge	Not stated	None
Cash & Deposit
Return Check Charge	$10	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Garnishment or IRS Levy Fee	$50	Not stated	None
Lending Fees
1% Loan Origination Fee	$50	Not stated	None
Gift & Prepaid Cards
Gift Cards: Members	$2.50	Not stated	None
Gift Cards: Non-members	$4.50	Not stated	None
Other Fees
Monthly Statement Copies	$3Not compared: Monthly charge, not per item	per month	None
Document preparation fee	$200	one time	None
Flood Certification Fee	$19	one time	None
Flood Certification Fee (First Mortgage)	$19	one time	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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