Loco Federal Credit Union

Headquarters: Alamogordo, New Mexico
Charter: Credit Union
Assets: $60.8M
Fed district: Dallas

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

Source: its fee schedule, read Oct 2, 2026.

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Fees against the market

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

Monthly Maintenance
Loco Federal Credit Union: No fee
Loco Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Loco Federal Credit Union: $35
Loco Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Loco Federal Credit Union: $25
Loco Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Dallas 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.
Dallas district: Banks and credit unions headquartered in the Dallas 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 Loco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service FeeNo charge
per month
Service ChargeNo charge
Dormant Account Fee$5
per month
Acct Reconciliation or Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Service$5
per month
Return Mail Fee$5

Overdraft & NSF

Overdraft Courtesy Pay Fee$35
per item
NSF Check Fee$25
NSF Fee (ACH included)$25
per item
Daily Overdraft Fee$25
per day

ATM & Card

Card Replacement Fee$15
per item
Replacement Card (Lost/Stolen)$15

Wire Transfers

Wire Fee: Outgoing$25
per item

Check Services

Cashier's Checks$5
per item
Money Order Fee$1.50
per item
Stop Payment Fee$30
per item
Copy of Check Fee$5
per item

Digital & Electronic

ACH Origination Fee (non-recurring)$10
per item

Cash & Deposit

Return Item Fee$10

Account Services

Notary FeeNo charge

Lending Fees

Late Payment Fee$25

Retirement & IRA

IRA Maintenance Fee$25
per year
IRA Withdrawal Fee$50
per item

Vehicle & Title

Vehicle Title/Registration Fee$50

Other Fees

Fed Ex Overnight Delivery$90
per item
Fax Fee$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy Fee$3
Not compared: Monthly charge, not per item
per month
Statement Copy Fee$5
Not compared: Monthly charge, not per item
per month
Loan Processing Fee$75

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	No charge	per month	None
Service Charge	No charge	Not stated	None
Dormant Account Fee	$5	per month	None
Acct Reconciliation or Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Service	$5	per month	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Courtesy Pay Fee	$35	per item	None
NSF Check Fee	$25	Not stated	None
NSF Fee (ACH included)	$25	per item	None
Daily Overdraft Fee	$25	per day	None
ATM & Card
Card Replacement Fee	$15	per item	None
Replacement Card (Lost/Stolen)	$15	Not stated	None
Wire Transfers
Wire Fee: Outgoing	$25	per item	None
Check Services
Cashier's Checks	$5	per item	None
Money Order Fee	$1.50	per item	None
Stop Payment Fee	$30	per item	None
Copy of Check Fee	$5	per item	None
Digital & Electronic
ACH Origination Fee (non-recurring)	$10	per item	None
Cash & Deposit
Return Item Fee	$10	Not stated	None
Account Services
Notary Fee	No charge	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA Maintenance Fee	$25	per year	None
IRA Withdrawal Fee	$50	per item	None
Vehicle & Title
Vehicle Title/Registration Fee	$50	Not stated	None
Other Fees
Fed Ex Overnight Delivery	$90	per item	None
Fax Fee	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy Fee	$3Not compared: Monthly charge, not per item	per month	None
Statement Copy Fee	$5Not compared: Monthly charge, not per item	per month	None
Loan Processing Fee	$75	Not stated	None

Correct a fee source

Oct 2, 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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