First Community Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $3.1B
Fed district: Dallas

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Stop Payment
First Community Federal Credit Union: $30
First Community Federal Credit Union: $30
U.S. median: no median
Paper Statement
First Community Federal Credit Union: $2
First Community Federal Credit Union: $2
U.S. median: no median
Minimum Balance
First Community Federal Credit Union: $5
First Community Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, 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).
Texas: Banks and credit unions headquartered in Texas 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 First Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee$5
Mortgage Payoff Research Fee$25
per item
Reconciliation of Account$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$2
per month
Incorrect Address$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Overdraft Boost$30
Not compared: Monthly charge, not per item
per month

ATM & Card

Replacement Card$3.50
per item

Check Services

Stop Payment$30
per item
Temporary Checks (starter checks free)$4.95
Non-Member Check Cashing Fee$5
per item
Check Copy$2
per item

Digital & Electronic

Bill Pay (minimum of one payment per month required)No charge
per month
Mobile Deposit CaptureNo charge

Cash & Deposit

Overdraft Privilege (ODP) (max of 8 fees per day): All other returned deposit items$5
per item
Returned deposit items from member (self to self)$32

Account Services

Charge to Drill Box$200
Not compared: Box drilling or key fee
Safe Deposit Box 3” x 10” x 22”$50
Safe Deposit Box 3” x 5” x 22”$25
Safe Deposit Box 5” x 10” x 22”$90
Safe Deposit Box 7” x 10” x 22”$120
Levies/Garnishments$50
per item
Account Verification$15
per item

Other Fees

Fees Above: Additional Copies of Statements$5
per item
Photocopies$0.25

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee	$5	Not stated	None
Mortgage Payoff Research Fee	$25	per item	None
Reconciliation of Account	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$2	per month	None
Incorrect Address	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Overdraft Boost	$30Not compared: Monthly charge, not per item	per month	None
ATM & Card
Replacement Card	$3.50	per item	None
Check Services
Stop Payment	$30	per item	None
Temporary Checks (starter checks free)	$4.95	Not stated	None
Non-Member Check Cashing Fee	$5	per item	None
Check Copy	$2	per item	None
Digital & Electronic
Bill Pay (minimum of one payment per month required)	No charge	per month	None
Mobile Deposit Capture	No charge	Not stated	None
Cash & Deposit
Overdraft Privilege (ODP) (max of 8 fees per day): All other returned deposit items	$5	per item	None
Returned deposit items from member (self to self)	$32	Not stated	None
Account Services
Charge to Drill Box	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3” x 10” x 22”	$50	Not stated	None
Safe Deposit Box 3” x 5” x 22”	$25	Not stated	None
Safe Deposit Box 5” x 10” x 22”	$90	Not stated	None
Safe Deposit Box 7” x 10” x 22”	$120	Not stated	None
Levies/Garnishments	$50	per item	None
Account Verification	$15	per item	None
Other Fees
Fees Above: Additional Copies of Statements	$5	per item	None
Photocopies	$0.25	Not stated	None

Correct a fee source

Oct 11, 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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