United Community Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $127.9M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 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)
United Community Federal Credit Union: $30
United Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
United Community Federal Credit Union: $30
United Community Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
United Community Federal Credit Union: $1
United Community Federal Credit Union: $1
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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Among its peers

United Community Federal Credit Union · $128M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$125M to $131M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
United Community Federal Credit Union(this institution)	Houston, TX	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Adventhealth Federal Credit Union	Altamonte Springs, FL	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Allentown Federal Credit Union	Allentown, PA	$128M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Auburn Community Federal Credit Union	Auburn, NY	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brotherhood Federal Credit Union	Lynn, MA	$125M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Clean Energy Federal Credit Union	Englewood, CO	$130M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Coconino Federal Credit Union	Flagstaff, AZ	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crow Wing Power Federal Credit Union	Brainerd, MN	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Firefighters & Company Federal Credit Union	Dayton, OH	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Missouri Federal Credit Union	Saint Louis, MO	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Garden Island Federal Credit Union	Lihue, HI	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Illinois State Police Federal Credit Union	Springfield, IL	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
N A E Federal Credit Union	Chesapeake, VA	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Nesc Federal Credit Union	Methuen, MA	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Iowa Community Federal Credit Union	Mason City, IA	$128M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peoples Federal Credit Union	Nitro, WV	$131M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Plus Federal Credit Union	Las Vegas, NV	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sun Federal Credit Union	Hollywood, FL	$129M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Health & Education Federal Credit Union	Lexington, KY	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Tomah Area Federal Credit Union	Tomah, WI	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tri Boro Federal Credit Union	Munhall, PA	$131M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Triangle Federal Credit Union	Columbus, MS	$129M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ufirst Federal Credit Union	Plattsburgh, NY	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Community Federal Credit Union	West Mifflin, PA	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
United Savings Federal Credit Union	Fargo, ND	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

United Community Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

United Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

United Community Federal…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from United Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

New Account Closure (Within 90 Days)$10
Account Research (Per Hour/ Hour Min)$15
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail$2.50

Overdraft & NSF

Overdraft Privilege (Per Item)$30
per item
Returned Items (Per Item)$30
per item
Overdraft Protection Transfer (Per Item)$5
per item

ATM & Card

Foreign ATM Usage (Per Transaction)$1
per transaction
Rush Debit/Credit Card$35
per item
Rush Debit/Credit Card (Per Card)$35
per item

Check Services

Check/ACH Stop Payments$30
Temporary Checks$1
per item · Per page
Temporary Checks (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page
Collection Items (Incoming/Outgoing)$25
Copy of Check$3

Cash & Deposit

Coin Machine (At Participating Locations): MemberNo charge
Returned Deposit Items (Per Item)$30
per item

Account Services

Garnishments$15
Levies$25
Account Verification of Deposit$5
per item

Retirement & IRA

IRA Closure$10

Gift & Prepaid Cards

Prepaid Gift Card$5
per item

Fee	Amount	Basis	Note
Account Maintenance
New Account Closure (Within 90 Days)	$10	Not stated	None
Account Research (Per Hour/ Hour Min)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail	$2.50	Not stated	None
Overdraft & NSF
Overdraft Privilege (Per Item)	$30	per item	None
Returned Items (Per Item)	$30	per item	None
Overdraft Protection Transfer (Per Item)	$5	per item	None
ATM & Card
Foreign ATM Usage (Per Transaction)	$1	per transaction	None
Rush Debit/Credit Card	$35	per item	None
Rush Debit/Credit Card (Per Card)	$35	per item	None
Check Services
Check/ACH Stop Payments	$30	Not stated	None
Temporary Checks	$1	per item	Per page
Temporary Checks (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Collection Items (Incoming/Outgoing)	$25	Not stated	None
Copy of Check	$3	Not stated	None
Cash & Deposit
Coin Machine (At Participating Locations): Member	No charge	Not stated	None
Returned Deposit Items (Per Item)	$30	per item	None
Account Services
Garnishments	$15	Not stated	None
Levies	$25	Not stated	None
Account Verification of Deposit	$5	per item	None
Retirement & IRA
IRA Closure	$10	Not stated	None
Gift & Prepaid Cards
Prepaid Gift Card	$5	per item	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.

Fee change alerts

Get an email when United Community Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
United Community Federal Credit Union: $30
United Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
United Community Federal Credit Union: $30
United Community Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
United Community Federal Credit Union: $1
United Community Federal Credit Union: $1
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.

Among its peers

United Community Federal Credit Union · $128M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Credit unions only
$125M to $131M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
United Community Federal Credit Union(this institution)	Houston, TX	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Adventhealth Federal Credit Union	Altamonte Springs, FL	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Allentown Federal Credit Union	Allentown, PA	$128M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Auburn Community Federal Credit Union	Auburn, NY	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brotherhood Federal Credit Union	Lynn, MA	$125M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Clean Energy Federal Credit Union	Englewood, CO	$130M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Coconino Federal Credit Union	Flagstaff, AZ	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crow Wing Power Federal Credit Union	Brainerd, MN	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Firefighters & Company Federal Credit Union	Dayton, OH	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Missouri Federal Credit Union	Saint Louis, MO	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Garden Island Federal Credit Union	Lihue, HI	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Illinois State Police Federal Credit Union	Springfield, IL	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
N A E Federal Credit Union	Chesapeake, VA	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Nesc Federal Credit Union	Methuen, MA	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Iowa Community Federal Credit Union	Mason City, IA	$128M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peoples Federal Credit Union	Nitro, WV	$131M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Plus Federal Credit Union	Las Vegas, NV	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sun Federal Credit Union	Hollywood, FL	$129M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Health & Education Federal Credit Union	Lexington, KY	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Tomah Area Federal Credit Union	Tomah, WI	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tri Boro Federal Credit Union	Munhall, PA	$131M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Triangle Federal Credit Union	Columbus, MS	$129M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ufirst Federal Credit Union	Plattsburgh, NY	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Community Federal Credit Union	West Mifflin, PA	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
United Savings Federal Credit Union	Fargo, ND	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

United Community Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

United Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

United Community Federal…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from United Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

New Account Closure (Within 90 Days)$10
Account Research (Per Hour/ Hour Min)$15
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail$2.50

Overdraft & NSF

Overdraft Privilege (Per Item)$30
per item
Returned Items (Per Item)$30
per item
Overdraft Protection Transfer (Per Item)$5
per item

ATM & Card

Foreign ATM Usage (Per Transaction)$1
per transaction
Rush Debit/Credit Card$35
per item
Rush Debit/Credit Card (Per Card)$35
per item

Check Services

Check/ACH Stop Payments$30
Temporary Checks$1
per item · Per page
Temporary Checks (Per Page)$1
Not compared: Charged per page; comparison unavailable
per page
Collection Items (Incoming/Outgoing)$25
Copy of Check$3

Cash & Deposit

Coin Machine (At Participating Locations): MemberNo charge
Returned Deposit Items (Per Item)$30
per item

Account Services

Garnishments$15
Levies$25
Account Verification of Deposit$5
per item

Retirement & IRA

IRA Closure$10

Gift & Prepaid Cards

Prepaid Gift Card$5
per item

Fee	Amount	Basis	Note
Account Maintenance
New Account Closure (Within 90 Days)	$10	Not stated	None
Account Research (Per Hour/ Hour Min)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail	$2.50	Not stated	None
Overdraft & NSF
Overdraft Privilege (Per Item)	$30	per item	None
Returned Items (Per Item)	$30	per item	None
Overdraft Protection Transfer (Per Item)	$5	per item	None
ATM & Card
Foreign ATM Usage (Per Transaction)	$1	per transaction	None
Rush Debit/Credit Card	$35	per item	None
Rush Debit/Credit Card (Per Card)	$35	per item	None
Check Services
Check/ACH Stop Payments	$30	Not stated	None
Temporary Checks	$1	per item	Per page
Temporary Checks (Per Page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Collection Items (Incoming/Outgoing)	$25	Not stated	None
Copy of Check	$3	Not stated	None
Cash & Deposit
Coin Machine (At Participating Locations): Member	No charge	Not stated	None
Returned Deposit Items (Per Item)	$30	per item	None
Account Services
Garnishments	$15	Not stated	None
Levies	$25	Not stated	None
Account Verification of Deposit	$5	per item	None
Retirement & IRA
IRA Closure	$10	Not stated	None
Gift & Prepaid Cards
Prepaid Gift Card	$5	per item	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.