Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Velocity Federal Credit Union

Austin, TexasCredit UnionDallas Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Choice Checking (CB02)$20Above the typical range ($5–$17.50 nationally)

per month · Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=monthly_maintenance; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Choice Checking (CB02) | $20.00 per month Service charge when average balance for the month is less than $15,000.00. Not to exceed 150 deposit items per month. If deposit items exc" · Source

Inactive Account Fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=dormant_account; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Inactive Account Fee | $5.00/month Fee charged from 6 to 11 months of inactivity (eff. 08/01/2021)" · Source

Overdraft & NSFVerified

Automatic Overdraft Protection Transfer$5Within the typical range ($3–$6.88 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=od_protection_transfer; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Automatic Overdraft Protection Transfer | $5.00 per transfer Fee for automatic transfer of funds to checking in $50 increments." · Source
Non-Sufficient Funds (NSF)$30Within the typical range ($15–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=nsf; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Non-Sufficient Funds (NSF) | $30.00 per returned submission Fee charged on a returned submission." · Source

ATM & CardVerified

ATM/Debit Card Supporting Documents Photocopy$10Above the typical range ($1–$4.99 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=atm_non_network; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="ATM/Debit Card Supporting Documents Photocopy | $10.00 each" · Source
If your card is lost/stolen, you may receive a replacement card for a fee of$5Within the typical range ($5–$12 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=card_replacement; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="If your card is lost/stolen, you may receive a replacement card for a fee of $5.00 by calling the Customer Service number on Velocity’s website." · Source

Wire TransfersVerified

Outgoing Wire Transfers (Domestic)$20Within the typical range ($20–$30 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=wire_domestic_outgoing; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Outgoing Wire Transfers (Domestic) | $20.00 each" · Source

Check ServicesVerified

Stop Payment Order$30Within the typical range ($20–$30 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=stop_payment; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Stop Payment Order | $30.00 each" · Source

Digital & ElectronicVerified

Expedited Bill Pay Next Day Check Delivery$24.95Above the typical range ($0–$14.45 nationally)
$19 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=bill_pay; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Expedited Bill Pay Next Day Check Delivery | $24.95 per transaction" · Source

Account ServicesVerified

Box Drill$50Within the typical range ($20–$92.36 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=safe_deposit_box; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Box Drill | $50 plus cost" · Source
Remote Online Notary$25Above the typical range ($0–$5 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=notary_fee; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Remote Online Notary | $25.00 per notary session (Fee waived for credit union documents that require a notary.)" · Source

Lending FeesVerified

Late Payment Fee (15 days and over past due) | up to$28Within the typical range ($15–$28.38 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=late_payment; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Late Payment Fee (15 days and over past due) | up to $28.00" · Source
Loan Extension Fee$30Within the typical range ($25–$100 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=loan_origination; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Loan Extension Fee | $30.00 For extensions approved by Velocity staff for eligible loans, fee charged per extension agreement." · Source

Gift & Prepaid CardsVerified

Mastercard Gift Card$3Within the typical range ($3–$5.24 nationally)
$1 below the national median
per month · Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=gift_card_purchase; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Mastercard Gift Card | $3.00 each (Elite Reward Member $1.50 each) A monthly inactivity fee of $2.95 may be assessed to your card after 12 consecutive months of inactivity" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Choice Checking (CB02)	$20Above the typical range ($5–$17.50 nationally)	$11.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=monthly_maintenance; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Choice Checking (CB02) \| $20.00 per month Service charge when average balance for the month is less than $15,000.00. Not to exceed 150 deposit items per month. If deposit items exc"	Source
Inactive Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=dormant_account; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Inactive Account Fee \| $5.00/month Fee charged from 6 to 11 months of inactivity (eff. 08/01/2021)"	Source
Overdraft & NSFVerified
Automatic Overdraft Protection Transfer	$5Within the typical range ($3–$6.88 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=od_protection_transfer; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Automatic Overdraft Protection Transfer \| $5.00 per transfer Fee for automatic transfer of funds to checking in $50 increments."	Source

ATM & CardVerified
ATM/Debit Card Supporting Documents Photocopy	$10Above the typical range ($1–$4.99 nationally)	$8 above the national median	—	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=atm_non_network; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="ATM/Debit Card Supporting Documents Photocopy \| $10.00 each"	Source
If your card is lost/stolen, you may receive a replacement card for a fee of
Wire TransfersVerified
Outgoing Wire Transfers (Domestic)	$20Within the typical range ($20–$30 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=wire_domestic_outgoing; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Outgoing Wire Transfers (Domestic) \| $20.00 each"	Source
Check ServicesVerified
Stop Payment Order	$30Within the typical range ($20–$30 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=stop_payment; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Stop Payment Order \| $30.00 each"	Source
Digital & ElectronicVerified
Expedited Bill Pay Next Day Check Delivery	$24.95Above the typical range ($0–$14.45 nationally)	$19 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=bill_pay; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Expedited Bill Pay Next Day Check Delivery \| $24.95 per transaction"	Source
Account ServicesVerified
Box Drill	$50Within the typical range ($20–$92.36 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=safe_deposit_box; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Box Drill \| $50 plus cost"	Source
Remote Online Notary	$25
Lending FeesVerified
Late Payment Fee (15 days and over past due) \| up to	$28Within the typical range ($15–$28.38 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=late_payment; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Late Payment Fee (15 days and over past due) \| up to $28.00"	Source
Loan Extension Fee
Gift & Prepaid CardsVerified
Mastercard Gift Card	$3Within the typical range ($3–$5.24 nationally)	$1 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2445. canonical_hint=gift_card_purchase; text_hash=7c0aee372e8669e4e467d5a3d333ec56e7477d9fb7a0db2ee24b92af723aaa2e; excerpt="Mastercard Gift Card \| $3.00 each (Elite Reward Member $1.50 each) A monthly inactivity fee of $2.95 may be assessed to your card after 12 consecutive months of inactivity"	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.

NSF fee: $30

20% above the national median NSF fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$1.1B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.1B

Total deposits

$872.4M

Service charge income (year to date)

$2.9M

Fee income ratio

8.4%

Return on assets

0.10%

Financial profile · Pro

Performance from regulator filings

Non-Sufficient Funds (NSF)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 6,610 verified fees from 1,539 institutions

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