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

Kasasa Protect with Kasasa Checking Monthly service charge$7.99Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Privilege Fee$34Above the typical range ($25–$33 nationally)
$4 above the national median$4 above the Texas median
per item · Source
NSF Drafts$34Above the typical range ($25–$32 nationally)
$4 above the national median$4 above the Texas median
per month · Source
NSF Fee$34Above the typical range ($25–$32 nationally)
$4 above the national median$4 above the Texas median
per item · Source

Check ServicesVerified

Teller Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Texas median
per item · Source
Credit Union Membership: Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Texas median
per item · Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Texas median
per item · Source
Stop Payment Fee$34Above the typical range ($20–$30 nationally)
$6.50 above the national median$4.50 above the Texas median
per item · Source
Temporary Check$1Within the typical range ($1–$4 nationally)
$1 below the national median$1 below the Texas median
per item · Source
Check Cashing Fee$2Below the typical range ($5–$10 nationally)
$3 below the national median$3 below the Texas median
per item · Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Texas 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$1 below the Texas median
per item · Source

Account ServicesVerified

Safe Deposit Box 10 x 10$85Above the typical range ($30–$70 nationally)
$40 above the national median$40 above the Texas median
per year · Source
Safe Deposit Box 3 X 5$30Within the typical range ($30–$70 nationally)
$15 below the national median$15 below the Texas median
per year · Source
Garnishment Fee$50Within the typical range ($30–$90 nationally)
At the national medianAt the Texas median
per item · Source
Levy Fee$50Within the typical range ($30–$90 nationally)
At the national medianAt the Texas median
per item · Source

Gift & Prepaid CardsVerified

Applies to Regular Shares/Special/Tiered Savings/Money Market: VISA Gift Cards$6Above the typical range ($3–$4.95 nationally)
$2.50 above the national median$2.50 above the Texas median
per item · Source
VISA Gift Cards$6Above the typical range ($3–$4.95 nationally)
$2.50 above the national median$2.50 above the Texas median
per item · Source

Other FeesVerified

(Members over Age 60 are exempt.): Statement Copy fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Texas median
per item · Source
Fax Service (non-local)$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Texas median
Source
Statement Copy fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Texas median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Kasasa Protect with Kasasa Checking Monthly service charge	$7.99Within the typical range ($4–$10 nationally)	$1.99 above the national median$0.99 above the Texas median	per month	—	Source
Monthly Service Fee	$2.99Below the typical range ($4–$10 nationally)	$3.01 below the national median$4.01 below the Texas median	per month	—	Source
Monthly Service Fee	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3 above the Texas median	per month	—	Source
Escheatment Administrative fee	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Texas median	—	—	Source
Account Reconciliation	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$4.50 above the Texas median	—	—	Source
Account Research	$50Above the typical range ($12–$25 nationally)	$32.50 above the national median$34.50 above the Texas median	—	—	Source
Locator Fee	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$9.50 above the Texas median	—	—	Source
Overdraft & NSFVerified
Overdraft Privilege Fee	$34Above the typical range ($25–$33 nationally)	$4 above the national median$4 above the Texas median	per item	—	Source
NSF Drafts	$34
ATM & CardVerified
Balance Inquiry fee	$3Above the typical range ($1–$2.25 nationally)	$1.50 above the national median$1.50 above the Texas median	per item	—	Source
Debit Card Replacement fee	$20
Wire TransfersVerified
Wire Transfer (outgoing)	$25Within the typical range ($20–$25 nationally)	At the national median$5 above the Texas median	per item	—	Source
Wire Transfer (incoming)	$5
Check ServicesVerified
Teller Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Texas median	per item	—	Source
Credit Union Membership: Money Order	$2
Account ServicesVerified
Safe Deposit Box 10 x 10	$85Above the typical range ($30–$70 nationally)	$40 above the national median$40 above the Texas median	per year	—	Source
Safe Deposit Box 3 X 5	$30
Gift & Prepaid CardsVerified
Applies to Regular Shares/Special/Tiered Savings/Money Market: VISA Gift Cards	$6Above the typical range ($3–$4.95 nationally)	$2.50 above the national median$2.50 above the Texas median	per item	—	Source
VISA Gift Cards	$6
Other FeesVerified
(Members over Age 60 are exempt.): Statement Copy fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Texas median	per item	—	Source
Fax Service (non-local)	$5

Against Texas credit unions

Overdraft
$34.00
Of 122 others that publish it, 105 lower, 1 the same and 16 higher.
Monthly maintenance
$7.99
Of 73 others that publish it, 44 lower and 29 higher.

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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, enforcement actions, and SEC filings

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Based on 67,387 published fee entries from 3,621 institutions

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