18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Account includes
Can be waived with a balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Educators Federal Credit Union · $610M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Educators Federal Credit Union(this institution) | Waco, TX | $610M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ascentra Federal Credit Union | Bettendorf, IA | $596M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Willamette Federal Credit Union | Albany, OR | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Diversified Members Federal Credit Union | Detroit, MI | $589M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dugood Federal Credit Union | Beaumont, TX | $609M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dupage Federal Credit Union | Naperville, IL | $600M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Embers Federal Credit Union | Marquette, MI | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Emblem Credit Union | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Embold Federal Credit Union | Oregon City, OR | $596M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Fairmont Federal Credit Union | Fairmont, WV | $603M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Floridacentral Federal Credit Union | Tampa, FL | $622M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Homeland Federal Credit Union | Chillicothe, OH | $624M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnco Federal Credit Union | Cambridge, MN | $605M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Police Federal Credit Union | Chicago, IL | $621M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Securityplus Federal Credit Union | Baltimore, MD | $597M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siu Federal Credit Union | Carbondale, IL | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southpoint Financial Federal Credit Union | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tech Federal Credit Union | Crown Point, IN | $599M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Town & Country Federal Credit Union | South Portland, ME | $621M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Square Credit Union | Wichita Falls, TX | $601M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Via Credit Union | Marion, IN | $604M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Amounts from Educators Federal Credit Union’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account includes Monthly service fee | $5 | per month | None |
| Closing Account within 90 Days from Opening Date | $10 | Not stated | None |
| Statement Returned Undeliverable (return mail) | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid by Over Draft Protection (OD) | $28 | Not stated | None |
| Overdraft/Non-Sufficient Funds (NSF) | $28 | Not stated | None |
| Overdraft/Non-Sufficient Funds (NSF) | $28 | Not stated | None |
| Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan) | $1 | per item | None |
ATM & Card | |||
| ATM Transaction (off-site/non-ECU terminal) | $1 | Not stated | None |
| Immediate Replacement of Debit/ATM Card Not available at all locations | $10 | Not stated | None |
| Expedited Replacement Debit/ATM Card (mailed) | $35 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $20 | Not stated | None |
| Wire Transfer (incoming) | No charge | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Money Order | $1.50 | Not stated | None |
| Stop Payment (check & electronic draft) | $28 | Not stated | None |
| Temporary Checks (4 checks per page) price per page | $2 | per item | None |
| Draft (check) Copy Faxed | $5 | Not stated | None |
| Draft (check) Copy Mailed | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Counting | 2% | Not stated | None |
| Coin Counting (audience not stated, treated as personal) | 2% | Not stated | None |
Account Services | |||
| Legal Processing Fee | $50 | per item | None |
Other Fees | |||
| Copy Faxed | $5 | Not stated | None |
| Fax Service (local number) | $3 | Not stated | None |
| Photocopy per page | $1 | 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
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Commercial Checking Account (balance below $2,500) | $15 | Not stated | None |
| Closing Account within 90 Days from Opening Date | $10 | Not stated | None |
| Statement Returned Undeliverable (return mail) | $5 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid by Over Draft Protection (OD) | $28 | Not stated | None |
| Overdraft/Non-Sufficient Funds (NSF) | $28 | Not stated | None |
| Overdraft/Non-Sufficient Funds (NSF) | $28 | Not stated | None |
| Overdraft Transfer – Per Item (from Savings Account or Line-of-Credit Loan) | $1 | per item | None |
ATM & Card | |||
| ATM Transaction (off-site/non-ECU terminal) | $1 | Not stated | None |
| Immediate Replacement of Debit/ATM Card Not available at all locations | $10 | Not stated | None |
| Expedited Replacement Debit/ATM Card (mailed) | $35 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $20 | Not stated | None |
| Wire Transfer (incoming) | No charge | Not stated | None |
Check Services | |||
| Cashiers Check | $5 | Not stated | None |
| Money Order | $1.50 | Not stated | None |
| Stop Payment (check & electronic draft) | $28 | Not stated | None |
| Temporary Checks (4 checks per page) price per page | $2 | per item | None |
| Draft (check) Copy Faxed | $5 | Not stated | None |
| Draft (check) Copy Mailed | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Counting | 2% | Not stated | None |
Account Services | |||
| Legal Processing Fee | $50 | per item | None |
Other Fees | |||
| Copy Faxed | $5 | Not stated | None |
| Fax Service (local number) | $3 | Not stated | None |
| Photocopy per page | $1 | per item | None |
Nov 4, 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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