Mtcu Federal Credit Union

Headquarters: Midland, Texas
Charter: Credit Union
Assets: $137.3M
Fed district: Dallas

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

Source: its fee schedule, read Oct 5, 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 $7.99, the middle of its prices
Mtcu Federal Credit Union: $2.99 to $10
Mtcu Federal Credit Union: $2.99 to $10
U.S. median: no median
Overdraft (OD)
Mtcu Federal Credit Union: $34
Mtcu Federal Credit Union: $34
U.S. median: no median
NSF / Returned Item
Mtcu Federal Credit Union: $34
Mtcu Federal Credit Union: $34
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 Mtcu Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Kasasa Protect with Kasasa Checking Monthly service charge$7.99
per month
Monthly Service Fee$10
per month
Monthly Service Fee$2.99
per month
Escheatment Administrative fee$25
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Locator Fee$25

Overdraft & NSF

Overdraft Privilege Fee$34
per item
NSF Debit Card Purchase$34
per item
NSF Drafts$34
NSF Fee$34
per item

ATM & Card

Balance Inquiry fee$3
per item
Debit Card Replacement fee$20
Not compared: Monthly charge, not per item
per month

Wire Transfers

Wire Transfer (outgoing)$25
per item
Wire Transfer (incoming)$5
per item

Check Services

Teller Check$5
per item
Credit Union Membership: Money Order$2
per item
Stop Payment Fee$34
per item
Temporary Check$1
per item
Check Cashing Fee$2
per item
Check Copy$2
per item

Account Services

Safe Deposit Box 10 x 10$85
per year
Safe Deposit Box 10 x 15$90
per year
Safe Deposit Box 3 x 10$45
per year
Safe Deposit Box 3 X 5$30
per year
Safe Deposit Box 5 x 10$55
per year
Garnishment Fee$50
per item
Levy Fee$50
per item

Gift & Prepaid Cards

VISA Gift Cards$6
per item

Other Fees

Fax Service (non-local)$5
Statement Copy fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Kasasa Protect with Kasasa Checking Monthly service charge	$7.99	per month	None
Monthly Service Fee	$10	per month	None
Monthly Service Fee	$2.99	per month	None
Escheatment Administrative fee	$25	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Locator Fee	$25	Not stated	None
Overdraft & NSF
Overdraft Privilege Fee	$34	per item	None
NSF Debit Card Purchase	$34	per item	None
NSF Drafts	$34	Not stated	None
NSF Fee	$34	per item	None
ATM & Card
Balance Inquiry fee	$3	per item	None
Debit Card Replacement fee	$20Not compared: Monthly charge, not per item	per month	None
Wire Transfers
Wire Transfer (outgoing)	$25	per item	None
Wire Transfer (incoming)	$5	per item	None
Check Services
Teller Check	$5	per item	None
Credit Union Membership: Money Order	$2	per item	None
Stop Payment Fee	$34	per item	None
Temporary Check	$1	per item	None
Check Cashing Fee	$2	per item	None
Check Copy	$2	per item	None
Account Services
Safe Deposit Box 10 x 10	$85	per year	None
Safe Deposit Box 10 x 15	$90	per year	None
Safe Deposit Box 3 x 10	$45	per year	None
Safe Deposit Box 3 X 5	$30	per year	None
Safe Deposit Box 5 x 10	$55	per year	None
Garnishment Fee	$50	per item	None
Levy Fee	$50	per item	None
Gift & Prepaid Cards
VISA Gift Cards	$6	per item	None
Other Fees
Fax Service (non-local)	$5	Not stated	None
Statement Copy fee	$5	per item	None

Correct a fee source

Oct 5, 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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