United Federal Credit Union

Headquarters: Tyler, Texas
Charter: Credit Union
Assets: $29.6M
Fed district: Dallas

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
United Federal Credit Union: $30 to $35
United Federal Credit Union: $30 to $35
U.S. median: no median
Wire Transfer (Domestic Out)
United Federal Credit Union: $35
United Federal Credit Union: $35
U.S. median: no median
Stop Payment
Compared at $32.50, the middle of its prices
United Federal Credit Union: $30 to $35
United Federal Credit Union: $30 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 United Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Regular Share Early Closure Fee (if closed within 6 months)$20
Share Draft Paper Statement Fee$10
Return Mail Processing Fee (per Item fee)$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay NSF Fee- ACH, Bill pay, Draft (excludes EFT)$30
Courtesy Pay/ Paid NSF Fee- ACH, Bill pay, Draft, EFT$35

ATM & Card

Debit Card Replacement Fee$10
Debit Card/Credit Card Rush Order Fee$60

Wire Transfers

Wire Transfer Outgoing Fee$35
Wire Transer Incoming Fee$10

Check Services

Teller Checks (payable to other)$10
Teller Checks (payable to self)$5
Money Order Fee (per Item, must be under $1000.00)$5
per item
Stop Payment Fee- ACH, EFT, Draft$35
Stop Payment Fee- ACH, EFT, Draft$30
Temporary Checks- 4 per page$5
per item
Check Cashing Fee (non-member cashing ck on UCU accounts)$3
Deposit Collection Item$35
Check Copy Fee (2 free per statement)$3

Digital & Electronic

Bill Pay Monthly Fee (unlimited use)$5.95
per month

Cash & Deposit

Process Loose Coin Flat Fee$5
Deposit Item Return$20
Return Item Chargeback fee/Deposited Item Returned$35

Account Services

Admistrative Legal Processing Fees$100

Lending Fees

Loan Late Fee5%
Loan Late Fee (audience not stated, treated as personal)5%

Other Fees

Fax Fee (up to 10 pages)$5
Loan Application Processing Fee$10
Loan Modification or Extension Fee (skip a pay)$35
Loan Modification or Extension Fee (skip a pay)$45

Fee	Amount	Basis	Note
Account Maintenance
Regular Share Early Closure Fee (if closed within 6 months)	$20	Not stated	None
Share Draft Paper Statement Fee	$10	Not stated	None
Return Mail Processing Fee (per Item fee)	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay NSF Fee- ACH, Bill pay, Draft (excludes EFT)	$30	Not stated	None
Courtesy Pay/ Paid NSF Fee- ACH, Bill pay, Draft, EFT	$35	Not stated	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Debit Card/Credit Card Rush Order Fee	$60	Not stated	None
Wire Transfers
Wire Transfer Outgoing Fee	$35	Not stated	None
Wire Transer Incoming Fee	$10	Not stated	None
Check Services
Teller Checks (payable to other)	$10	Not stated	None
Teller Checks (payable to self)	$5	Not stated	None
Money Order Fee (per Item, must be under $1000.00)	$5	per item	None
Stop Payment Fee- ACH, EFT, Draft	$35	Not stated	None
Stop Payment Fee- ACH, EFT, Draft	$30	Not stated	None
Temporary Checks- 4 per page	$5	per item	None
Check Cashing Fee (non-member cashing ck on UCU accounts)	$3	Not stated	None
Deposit Collection Item	$35	Not stated	None
Check Copy Fee (2 free per statement)	$3	Not stated	None
Digital & Electronic
Bill Pay Monthly Fee (unlimited use)	$5.95	per month	None
Cash & Deposit
Process Loose Coin Flat Fee	$5	Not stated	None
Deposit Item Return	$20	Not stated	None
Return Item Chargeback fee/Deposited Item Returned	$35	Not stated	None
Account Services
Admistrative Legal Processing Fees	$100	Not stated	None
Lending Fees
Loan Late Fee	5%	Not stated	None
Loan Late Fee (audience not stated, treated as personal)	5%	Not stated	None
Other Fees
Fax Fee (up to 10 pages)	$5	Not stated	None
Loan Application Processing Fee	$10	Not stated	None
Loan Modification or Extension Fee (skip a pay)	$35	Not stated	None
Loan Modification or Extension Fee (skip a pay)	$45	Not stated	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 12, 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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