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

Mtcu Federal Credit Union

Midland, 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 Reconciliation$20Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Closed within 365 days excludes Kasasa Checking Accounts) | Overdraft Privilege Fee$34Above the typical range ($25–$32 nationally)
$4 above the national median
per item · Source
NSF Fee$34Above the typical range ($25–$31 nationally)
$4 above the national median
per item · Source
Service for production and delivering a Monthly Paper Statement Fee | NSF Drafts$34Above the typical range ($25–$31 nationally)
$4 above the national median
per month · Source

Wire TransfersVerified

utilized. | Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national median
Source
Wire Transfer (incoming)$5Within the typical range ($5–$15 nationally)
$5 below the national median
Source

Check ServicesVerified

Check Cashing Fee$2Below the typical range ($5–$10 nationally)
$3 below the national median
per item · Source
Check Copy (Front and Back and assisted by CU Employee.$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Credit Union Membership | Money Order$2Within the typical range ($1.50–$3 nationally)
At the national median
Source
Share Account Fees | Teller Check$5Within the typical range ($3–$6 nationally)
At the national median
per item · Source
Stop Payment Fee$34Above the typical range ($20–$30 nationally)
$7 above the national median
per item · Source

Account ServicesVerified

10 x 10$85Above the typical range ($30–$70 nationally)
$40 above the national median
Source
3 X 5$30Within the typical range ($30–$70 nationally)
$15 below the national median
Source
Garnishment Fee…………………………………………$50Within the typical range ($30–$75 nationally)
At the national median
Source
InControl Checking | Balance Inquiry fee$3Above the typical range ($1–$2 nationally)
$2 above the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Account Research	$50Above the typical range ($20–$25 nationally)	$25 above the national median	—	—	Source
Escheatment Administrative fee……………………………………	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Monthly Service Fee	$10Within the typical range ($3.50–$10 nationally)	$4.50 above the national median	per month	—	Source
Monthly Service Fee……………………………………………………	$2.99Below the typical range ($3.50–$10 nationally)	$2.51 below the national median	per month	—	Source
Overdraft & NSFVerified
Closed within 365 days excludes Kasasa Checking Accounts) \| Overdraft Privilege Fee	$34Above the typical range ($25–$32 nationally)	$4 above the national median	per item	—	Source
NSF Fee	$34
ATM & CardVerified
Debit Card Replacement fee	$20Above the typical range ($5–$10 nationally)	$10 above the national median	per month	—	Source
Wire TransfersVerified
utilized. \| Wire Transfer (outgoing)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Wire Transfer (incoming)	$5
Check ServicesVerified
Check Cashing Fee	$2Below the typical range ($5–$10 nationally)	$3 below the national median	per item	—	Source
Check Copy (Front and Back and assisted by CU Employee.	$2
Account ServicesVerified
10 x 10	$85Above the typical range ($30–$70 nationally)	$40 above the national median	—	—	Source
3 X 5	$30
Gift & Prepaid CardsVerified
Applies to Regular Shares/Special/Tiered Savings/Money Market \| VISA Gift Cards ………………………………………..…………	$6Above the typical range ($3–$4.75 nationally)	$2.50 above the national median	—	—	Source
Other FeesVerified
(Members over Age 60 are exempt.) \| Statement Copy fee:	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source

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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

$34

Overdraft fee: $34

13% above the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$137.3M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$137.3M

Total deposits

$121.1M

Service charge income (year to date)

$913K

Fee income ratio

19.3%

Return on assets

0.18%

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 48,441 published fee entries from 2,965 institutions

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