West Texas Federal Credit Union

Headquarters: Odessa, Texas
Charter: Credit Union
Assets: $70.3M
Fed district: Dallas

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $8, the middle of its prices
West Texas Federal Credit Union: $6 to $10
West Texas Federal Credit Union: $6 to $10
U.S. median: no median
Overdraft (OD)
West Texas Federal Credit Union: $30
West Texas Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
West Texas Federal Credit Union: $1
West Texas Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 West Texas Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$6
per month
Monthly Service Fee (suffix 77)$10
per month
Inactive Account Fee$5
Account Reconciliation Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail/Bad Address Fee ( after 1st)$5

Overdraft & NSF

Courtesy Pay (per item)$30
per item

ATM & Card

ATM Inquiry Fee$1
ATM W/D Fee$1
Debit Card Replacement Fee$25

Wire Transfers

Wire Transfer Fee (outgoing)$25

Check Services

Teller Check Fee (no checking)$6
Teller Check Fee (with checking)$2
Stop Payment Fee (per item)$30
per item
Items sent for Collections$15

Digital & Electronic

ACH Origination Return Fee$35
Bill Pay Overnight Check (Physical Check)$14.95
Bill Pay Same Day Rush Payment (ACH)$9.95
Online Bill Pay ServicesNo charge

Cash & Deposit

Loan Payment or deposit (Cash Advance)$15
Deposit Item Return Fee (Each)$35
per item

Account Services

Annual Rental Fees (Key Deposit)$25
Not compared: Box drilling or key fee
per year
Processing Fee for Levy, Garnishment, or Notice of Freeze$30
Verification of Deposit Documentation Fee$2
per item

Lending Fees

Loan Late Fee5%($30 minimum)
Loan Late Fee (audience not stated, treated as personal)5%($30 minimum)

Gift & Prepaid Cards

Visa Gift Card Purchase Fee$3
per item

Other Fees

Fax Fee$2
Statement Copy Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$6	per month	None
Monthly Service Fee (suffix 77)	$10	per month	None
Inactive Account Fee	$5	Not stated	None
Account Reconciliation Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail/Bad Address Fee ( after 1st)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (per item)	$30	per item	None
ATM & Card
ATM Inquiry Fee	$1	Not stated	None
ATM W/D Fee	$1	Not stated	None
Debit Card Replacement Fee	$25	Not stated	None
Wire Transfers
Wire Transfer Fee (outgoing)	$25	Not stated	None
Check Services
Teller Check Fee (no checking)	$6	Not stated	None
Teller Check Fee (with checking)	$2	Not stated	None
Stop Payment Fee (per item)	$30	per item	None
Items sent for Collections	$15	Not stated	None
Digital & Electronic
ACH Origination Return Fee	$35	Not stated	None
Bill Pay Overnight Check (Physical Check)	$14.95	Not stated	None
Bill Pay Same Day Rush Payment (ACH)	$9.95	Not stated	None
Online Bill Pay Services	No charge	Not stated	None
Cash & Deposit
Loan Payment or deposit (Cash Advance)	$15	Not stated	None
Deposit Item Return Fee (Each)	$35	per item	None
Account Services
Annual Rental Fees (Key Deposit)	$25Not compared: Box drilling or key fee	per year	None
Processing Fee for Levy, Garnishment, or Notice of Freeze	$30	Not stated	None
Verification of Deposit Documentation Fee	$2	per item	None
Lending Fees
Loan Late Fee	5%($30 minimum)	Not stated	None
Loan Late Fee (audience not stated, treated as personal)	5%($30 minimum)	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Purchase Fee	$3	per item	None
Other Fees
Fax Fee	$2	Not stated	None
Statement Copy Fee	$10	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

Nov 3, 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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