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

United Community Federal Credit Union

Houston, 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

Account Research (Per Hour/ Hour Min)$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Overdraft Privilege (Per Item)$30Within the typical range ($25–$32 nationally)
At the national median
per item · Source
Overdraft Protection Transfer (Per Item)$5Within the typical range ($3–$5 nationally)
At the national median
per item · Source
Returned Items (Per Item)$30Within the typical range ($25–$31 nationally)
At the national median
per item · Source

ATM & CardVerified

Foreign ATM Usage (Per Transaction)$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
per transaction · Source
Rush Debit/Credit Card$35Within the typical range ($30–$50 nationally)
$5 below the national median
per item · Source

Check ServicesVerified

Check/ACH Stop Payments$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source
Copy of Check$3Within the typical range ($2–$5 nationally)
At the national median
Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
per item · Per page · Source
Temporary Checks (Per Page)$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source

Account ServicesVerified

Account Verification of Deposit$5Below the typical range ($6–$15 nationally)
$5 below the national median
per item · Source
Garnishments$15Below the typical range ($30–$75 nationally)
$35 below the national median
Source
Levies$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research (Per Hour/ Hour Min)	$15Below the typical range ($20–$25 nationally)	$10 below the national median	per item	—	Source
New Account Closure (Within 90 Days)	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
Overdraft Privilege (Per Item)	$30Within the typical range ($25–$32 nationally)	At the national median	per item	—	Source
Overdraft Protection Transfer (Per Item)	$5
ATM & CardVerified
Foreign ATM Usage (Per Transaction)	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	per transaction	—	Source
Rush Debit/Credit Card	$35
Check ServicesVerified
Check/ACH Stop Payments	$30Within the typical range ($20–$30 nationally)	$4 above the national median	—	—	Source
Copy of Check	$3
Cash & DepositVerified
SERVICE FEES \| Returned Deposit Items (Per Item)	$30Above the typical range ($10–$25 nationally)	$15 above the national median	per item	—	Source
Account ServicesVerified
Account Verification of Deposit	$5Below the typical range ($6–$15 nationally)	$5 below the national median	per item	—	Source
Garnishments	$15
Retirement & IRAVerified
IRA Closure	$10Below the typical range ($25–$35 nationally)	$15 below the national median	—	—	Source
Gift & Prepaid CardsVerified
Prepaid Gift Card	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	per item	—	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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$127.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$127.9M

Total deposits

$112.6M

Service charge income (year to date)

$712K

Fee income ratio

12.7%

Return on assets

0.92%

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, and SEC filings

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Based on 42,910 published fee entries from 2,718 institutions

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