Southwest 66 Federal Credit Union

Headquarters: Odessa, Texas
Charter: Credit Union
Assets: $112.2M
Fed district: Dallas

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

Source: its fee schedule, read Oct 6, 2026.

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Fees against the market

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

Overdraft (OD)
Southwest 66 Federal Credit Union: $32
Southwest 66 Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Southwest 66 Federal Credit Union: $32
Southwest 66 Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Southwest 66 Federal Credit Union: $1 to $3
Southwest 66 Federal Credit Union: $1 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 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 Southwest 66 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Reconciliation Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$3
per month

Overdraft & NSF

ATM/Check Card Overdraft Fee$32
per item
EFT Return Item Fee$32
per item
NSF Fee$32
per item
Overdraft Protection from Shares to CheckingNo charge

ATM & Card

CO-OP ATM/Check Card Withdrawal, Transfer, Inquiry Fee$1
per item
Nonproprietary ATM/Check Card Withdrawal, Transfer$3
per item
ATM/Check Card Replacement$10
per item
Replacement Card (if lost/stolen)$10

Wire Transfers

Wire Transfer Fee (Outgoing)$25
per item
Wire Transfer Fee (Incoming)No charge

Check Services

Cashier’s Check Fee$5
per item
Money Order Fee$5
per item
EFT Stop Payment Fee$30
per item
Stop Payment Fee$30
per item
Temporary Checks FeeNo charge
varies
Check Copy Fee$5
per item

Digital & Electronic

ACH Return Items$32
per item
Bill Pay Fee$5
per month

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)3%of the advance
Deposited Item Return Fees$30
per item

Account Services

Notary ServicesNo charge
Damaged Key Replacement$10
Not compared: Box drilling or key fee
Safe Deposit Box Large (10”x10”)$100
per year
Safe Deposit Box Medium (5”x10”)$75
per year
Safe Deposit Box Small (3”x10”)$50
per year
Levy & Garnishment Fee$30

Lending Fees

Consumer Late Fee (audience not stated, treated as personal)5%($30 maximum)
Home Equity Late Fee$20

Other Fees

Statement Copy Fee$5
per item
Skip-a-Payment/Loan Extension Processing Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$3	per month	None
Overdraft & NSF
ATM/Check Card Overdraft Fee	$32	per item	None
EFT Return Item Fee	$32	per item	None
NSF Fee	$32	per item	None
Overdraft Protection from Shares to Checking	No charge	Not stated	None
ATM & Card
CO-OP ATM/Check Card Withdrawal, Transfer, Inquiry Fee	$1	per item	None
Nonproprietary ATM/Check Card Withdrawal, Transfer	$3	per item	None
ATM/Check Card Replacement	$10	per item	None
Replacement Card (if lost/stolen)	$10	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing)	$25	per item	None
Wire Transfer Fee (Incoming)	No charge	Not stated	None
Check Services
Cashier’s Check Fee	$5	per item	None
Money Order Fee	$5	per item	None
EFT Stop Payment Fee	$30	per item	None
Stop Payment Fee	$30	per item	None
Temporary Checks Fee	No charge	varies	None
Check Copy Fee	$5	per item	None
Digital & Electronic
ACH Return Items	$32	per item	None
Bill Pay Fee	$5	per month	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	3%of the advance	Not stated	None
Deposited Item Return Fees	$30	per item	None
Account Services
Notary Services	No charge	Not stated	None
Damaged Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Large (10”x10”)	$100	per year	None
Safe Deposit Box Medium (5”x10”)	$75	per year	None
Safe Deposit Box Small (3”x10”)	$50	per year	None
Levy & Garnishment Fee	$30	Not stated	None
Lending Fees
Consumer Late Fee (audience not stated, treated as personal)	5%($30 maximum)	Not stated	None
Home Equity Late Fee	$20	Not stated	None
Other Fees
Statement Copy Fee	$5	per item	None
Skip-a-Payment/Loan Extension Processing Fee	$35	per item	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 6, 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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