City Federal Credit Union

Headquarters: Dallas, Texas
Charter: Credit Union
Assets: $629.8M
Fed district: Dallas

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

Source: its fee schedule, read Oct 23, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
City Federal Credit Union: $35
City Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
City Federal Credit Union: $35
City Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
City Federal Credit Union: $3
City Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 City Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (Before 12 Months)$20
Account Research / Reconciliation (One Hour Minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research / Reconciliation (one-hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$5
per month
Returned Mail (Inaccurate Address)$5

Overdraft & NSF

Courtesy Pay (audience not stated, treated as personal)$35
per item
Non-Sufficient Funds (audience not stated, treated as personal)$35
per item
Overdraft Protection Transfer (audience not stated, treated as personal)$5
per item

ATM & Card

Out-of-Network ATM - Balance Inquiry (audience not stated, treated as personal)$3
Plastic Card Replacement (audience not stated, treated as personal)$5
per item

Wire Transfers

Wire Transfer - Domestic (outgoing) (audience not stated, treated as personal)$20
per item
Wire Transfer - Foreign (outgoing) (audience not stated, treated as personal)$40
per item

Check Services

Stop Payment (audience not stated, treated as personal)$35
per item
Check Cashing (Member written to non-Member) (audience not stated, treated as personal)$10
per item
Check Cashing (Non-Member) (audience not stated, treated as personal)$10
Check Cashing (Under $100 Balance with No Other Service) (audience not stated, treated as personal)$5
Check Cashing Fee ( < $100 balance with no other services) (audience not stated, treated as personal)$5
per item
Collection Item - Domestic$10
Collection Item - Foreign$20
Check Copy (audience not stated, treated as personal)$2
per item

Digital & Electronic

Same-Day ACH Origination (audience not stated, treated as personal)$0.50
per item
Expedited Bill Payment (audience not stated, treated as personal)$10

Cash & Deposit

Coin Machine5%
per transaction
Cash Advance Processing Fee$16
Returned Deposit Item (personal check)$35
per item
Returned Deposit Item (third party)$15
per item

Account Services

Change Lock/Drill Box (audience not stated, treated as personal)$300
Not compared: Box drilling or key fee
Account Levy, Lien, Garnishment$100

Lending Fees

Late Payment (audience not stated, treated as personal)5%
Real Estate Loan Origination (audience not stated, treated as personal)$1,500

Other Fees

Statement Copy$5
Loan Payment by Phone (audience not stated, treated as personal)$3
per item
Skip-a-Pay (audience not stated, treated as personal)$35

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (Before 12 Months)	$20	Not stated	None
Account Research / Reconciliation (One Hour Minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research / Reconciliation (one-hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$5	per month	None
Returned Mail (Inaccurate Address)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (audience not stated, treated as personal)	$35	per item	None
Non-Sufficient Funds (audience not stated, treated as personal)	$35	per item	None
Overdraft Protection Transfer (audience not stated, treated as personal)	$5	per item	None
ATM & Card
Out-of-Network ATM - Balance Inquiry (audience not stated, treated as personal)	$3	Not stated	None
Plastic Card Replacement (audience not stated, treated as personal)	$5	per item	None
Wire Transfers
Wire Transfer - Domestic (outgoing) (audience not stated, treated as personal)	$20	per item	None
Wire Transfer - Foreign (outgoing) (audience not stated, treated as personal)	$40	per item	None
Check Services
Stop Payment (audience not stated, treated as personal)	$35	per item	None
Check Cashing (Member written to non-Member) (audience not stated, treated as personal)	$10	per item	None
Check Cashing (Non-Member) (audience not stated, treated as personal)	$10	Not stated	None
Check Cashing (Under $100 Balance with No Other Service) (audience not stated, treated as personal)	$5	Not stated	None
Check Cashing Fee ( < $100 balance with no other services) (audience not stated, treated as personal)	$5	per item	None
Collection Item - Domestic	$10	Not stated	None
Collection Item - Foreign	$20	Not stated	None
Check Copy (audience not stated, treated as personal)	$2	per item	None
Digital & Electronic
Same-Day ACH Origination (audience not stated, treated as personal)	$0.50	per item	None
Expedited Bill Payment (audience not stated, treated as personal)	$10	Not stated	None
Cash & Deposit
Coin Machine	5%	per transaction	None
Cash Advance Processing Fee	$16	Not stated	None
Returned Deposit Item (personal check)	$35	per item	None
Returned Deposit Item (third party)	$15	per item	None
Account Services
Change Lock/Drill Box (audience not stated, treated as personal)	$300Not compared: Box drilling or key fee	Not stated	None
Account Levy, Lien, Garnishment	$100	Not stated	None
Lending Fees
Late Payment (audience not stated, treated as personal)	5%	Not stated	None
Real Estate Loan Origination (audience not stated, treated as personal)	$1,500	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None
Loan Payment by Phone (audience not stated, treated as personal)	$3	per item	None
Skip-a-Pay (audience not stated, treated as personal)	$35	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 23, 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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