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, under $300M

Lcra Federal Credit Union

Austin, TexasCredit UnionDallas Fed districtFees collected Oct 6, 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

Account Research/Reconcilement$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$30Within the typical range ($25–$32 nationally)
At the national median
per item · Source
Non-sufficient Funds Check/EFT Fee$30Within the typical range ($25–$31 nationally)
At the national median
per item · Source
Overdraft Protection (Transfers Limited-see Account Agreement)$5Within the typical range ($3–$5 nationally)
At the national median
Source

Wire TransfersVerified

Outgoing Domestic Wire$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source
Outgoing International Wire$75Above the typical range ($40–$50 nationally)
$25 above the national median
Source

Check ServicesVerified

Corporate/Teller Checks$3Within the typical range ($3–$6 nationally)
$2 below the national median
per item · Source
Share Draft/Check Copy$3Within the typical range ($2–$5 nationally)
At the national median
per item · Source
Stop Payments$30Within the typical range ($20–$30 nationally)
$4 above the national median
per item · Source

Account ServicesVerified

Debit Card Balance Inquiry$1Within the typical range ($1–$2 nationally)
At the national median
per transaction · Source
Tax Levy, Garnishment$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconcilement	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Christmas Club Early Withdrawal Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per transaction	—	Source
Debit Card Account Research/Documentation	$15Below the typical range ($20–$25 nationally)	$10 below the national median	per item	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$30Within the typical range ($25–$32 nationally)	At the national median	per item	—	Source
Non-sufficient Funds Check/EFT Fee	$30Within the typical range ($25–$31 nationally)
ATM & CardVerified
ATM Cash Withdrawal or Transfer	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	per transaction	—	Source
Wire TransfersVerified
Outgoing Domestic Wire	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Outgoing International Wire	$75
Check ServicesVerified
Corporate/Teller Checks	$3Within the typical range ($3–$6 nationally)	$2 below the national median	per item	—	Source
Share Draft/Check Copy	$3
Digital & ElectronicVerified
Bill Pay Fee	$6Within the typical range ($0–$10 nationally)	$1.05 above the national median	per month	—	Source
Account ServicesVerified
Debit Card Balance Inquiry	$1Within the typical range ($1–$2 nationally)	At the national median	per transaction	—	Source
Tax Levy, Garnishment	$75
Other FeesVerified
Account History or Statement Copy	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source

Fee change alerts

Get an email when Lcra Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Lcra Federal Credit Union? Request a report against local competitors

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$20.2M

Work at Lcra Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. Priced on request: we reply within one business day with scope and price.

Request the report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$20.2M

Total deposits

$17.0M

Service charge income (year to date)

$27K

Fee income ratio

5.6%

Return on assets

0.34%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 45,582 published fee entries from 2,847 institutions

See pricing