First Central Federal Credit Union

Headquarters: Waco, Texas
Charter: Credit Union
Assets: $191.7M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 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 $4, the middle of its prices
First Central Federal Credit Union: $3 to $10
First Central Federal Credit Union: $3 to $10
U.S. median: no median
Non-Network ATM
First Central Federal Credit Union: $1
First Central Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
First Central Federal Credit Union: $20
First Central Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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 First Central Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

InControl Checking Monthly service fee$3
per month
Monthly service charge$10
per month
Monthly service fee$5
per month
Service charge$3
Early Account Closure$20
one time
Account Research / Balancing Assistance per hour/one hour minimum$20
Not compared: Charged per hour; comparison unavailable
per hour
Withdrawals in excess of 4 per month (excludes IRA Accounts) per transaction-in branch & ITM served$3
Not compared: CD/IRA fee
per item
Money Market (First Fund) withdrawal limit fee$5
per item
Returned Mail - Tax Document/Certified Mail/Statement per item (Returned Statements 1 fee/per 3 months)$5
Not compared: Per-item charge, not monthly
per item

ATM & Card

Foreign ATM (ATM not owned by First Central CU) per transaction/non-monetary$1
per item
ATM/Debit Visa Card Replacement$15
FedEx Delivery and Overnight card or PIN/overnight card or PIN$25

Wire Transfers

Wire – Domestic$20

Check Services

Money Order of Money Order per item$1
per item
Stop Payment ACH-Account-FCCU Check (90 day waiting period)$27
Temporary Checks per page-4 per page$2
per item
Check Cashing < /1% >$3
Collection Item per item-incoming and outgoing$15
per item
Cashier Check/Copy of Cashier Check payable to 3rd party/per item$2
per item
Cashier Check/Copy of Cashier Check payable to 3rd per item$4
per item
Copy of Cleared Check per item$2
per item
Money Order/Copy of Money Order per item$1
per item

Cash & Deposit

Returned Checks Cashed or Deposit item per item-made payable to yourself$10
per item

Account Services

Notary per page/per additional signature$6
per item
Notary Service$1
Key Deposit/Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Boxes: 3x5/3x10/5x10/10x10/annual fee$17.50
per year
Garnishment or Levy process$50

Lending Fees

Small personal loan application fee$20
one time

Retirement & IRA

IRA Rollover Withdrawal$25

Other Fees

FedEx Delivery and Overnight delivery/overnight$25
Account Statement Reprints per printout$2
Fax or Photo Copy per page$1
per item
Skip-A-Pay per loan$25
per item
Small personal loan application fee$20
one time

Fee	Amount	Basis	Note
Account Maintenance
InControl Checking Monthly service fee	$3	per month	None
Monthly service charge	$10	per month	None
Monthly service fee	$5	per month	None
Service charge	$3	Not stated	None
Early Account Closure	$20	one time	None
Account Research / Balancing Assistance per hour/one hour minimum	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Withdrawals in excess of 4 per month (excludes IRA Accounts) per transaction-in branch & ITM served	$3Not compared: CD/IRA fee	per item	None
Money Market (First Fund) withdrawal limit fee	$5	per item	None
Returned Mail - Tax Document/Certified Mail/Statement per item (Returned Statements 1 fee/per 3 months)	$5Not compared: Per-item charge, not monthly	per item	None
ATM & Card
Foreign ATM (ATM not owned by First Central CU) per transaction/non-monetary	$1	per item	None
ATM/Debit Visa Card Replacement	$15	Not stated	None
FedEx Delivery and Overnight card or PIN/overnight card or PIN	$25	Not stated	None
Wire Transfers
Wire – Domestic	$20	Not stated	None
Check Services
Money Order of Money Order per item	$1	per item	None
Stop Payment ACH-Account-FCCU Check (90 day waiting period)	$27	Not stated	None
Temporary Checks per page-4 per page	$2	per item	None
Check Cashing < /1% >	$3	Not stated	None
Collection Item per item-incoming and outgoing	$15	per item	None
Cashier Check/Copy of Cashier Check payable to 3rd party/per item	$2	per item	None
Cashier Check/Copy of Cashier Check payable to 3rd per item	$4	per item	None
Copy of Cleared Check per item	$2	per item	None
Money Order/Copy of Money Order per item	$1	per item	None
Cash & Deposit
Returned Checks Cashed or Deposit item per item-made payable to yourself	$10	per item	None
Account Services
Notary per page/per additional signature	$6	per item	None
Notary Service	$1	Not stated	None
Key Deposit/Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Boxes: 3x5/3x10/5x10/10x10/annual fee	$17.50	per year	None
Garnishment or Levy process	$50	Not stated	None
Lending Fees
Small personal loan application fee	$20	one time	None
Retirement & IRA
IRA Rollover Withdrawal	$25	Not stated	None
Other Fees
FedEx Delivery and Overnight delivery/overnight	$25	Not stated	None
Account Statement Reprints per printout	$2	Not stated	None
Fax or Photo Copy per page	$1	per item	None
Skip-A-Pay per loan	$25	per item	None
Small personal loan application fee	$20	one time	None

Correct a fee source

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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