Texas Trust Federal Credit Union

Headquarters: Mansfield, Texas
Charter: Credit Union
Assets: $2.1B
Fed district: Dallas

20 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.

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Texas Trust Federal Credit Union: $10 to $30
Texas Trust Federal Credit Union: $10 to $30
U.S. median: no median
NSF / Returned Item
Texas Trust Federal Credit Union: $30
Texas Trust Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Texas Trust Federal Credit Union: $3
Texas Trust Federal Credit Union: $3
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 Texas Trust Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Closure Fee - Checking$25
Early Closure Fee - Savings$10
Account Research Fee$25
Mortgage Fax Fee$10
Wire Transfer Research Fee$25
Statement Fee – Paper Statement$3
STATEMENTS Statement Fee – Paper Statement$3
BAD ADDRESS Bad Address Fee$5
Bad Address Fee$5

Overdraft & NSF

Overdraft$20
Overdraft Privilege Fee$30
Overdraft Privilege Fee – Young Adult (18-23)$10
NSF Fee or Returned Item Fee$30
Overdraft Transfer Fee (From Credit Card, Line of Credit, Savings, or Checking Account)$5

ATM & Card

ATM USAGE ATM Usage Fee at a non-TXTCU ATM$3
ATM Usage Fee at a non-TXTCU ATM$3
Card Replacement Fee, Instant Issue$10
Card Replacement Fee, Mailed$5

Wire Transfers

Wire Transfer – Domestic (2:00 pm Cutoff Daily)$25
Not compared: Daily charge, not per item
per day
WIRE TRANSFER Wire Transfer – Domestic (2:00 pm Cutoff Daily)$25
Not compared: Daily charge, not per item
per day
Wire Transfer – International – Sent in Foreign Funds$50
Wire Transfer – International – Sent in U.S Funds$40

Check Services

Bank Check Fee$5
Cashier’s Check Fee$5
CHECKS Cashier’s Check Fee$5
Money Order Fee$5
MONEY ORDER Money Order Fee$5
Stop Payment$30
COLLECTION ITEM Collection Item Fee – Incoming$5
Collection Item Fee – Incoming$5
Cashier’s Check Photocopy Fee$3
Check Photocopy Fee$3

Digital & Electronic

BILL PAY Bill Pay Fee – Charitable Donation$1.99
Bill Pay Fee – Charitable Donation$1.99
Bill Pay Fee – Gift Check$2.99
Bill Pay Fee – Rush Electronic$4.95
Bill Pay Fee – Rush Overnight Delivery$14.95
Bill Pay Fee – Rush Two-Day Delivery$9.95

Account Services

Notary Service FeeNo charge
BOX Safe Deposit Box Annual Fee – 3x5x22$25
per year
Safe Deposit Box Annual Fee – 10x10x22$95
per year
Safe Deposit Box Annual Fee – 3x10x22$35
per year
Safe Deposit Box Annual Fee – 3x5x22$25
per year
Safe Deposit Box Annual Fee – 5x10x22$55
per year
Safe Deposit Box Annual Fee – 5x5x22$30
per year
Safe Deposit Box Annual Fee – 7x10x22$75
per year
Safe Deposit Box Drilling Fee$350
Not compared: Box drilling or key fee
Safe Deposit Box Drilling Fee$350
Not compared: Box drilling or key fee

Other Fees

Statement Photocopy Fee$3
LOAN EXT. / SKIP A PAY Loan Extension: Skip-a-payment Fee$25
Mortgage Pay-off Request Fee$50
NSF Fee or Returned Item Fee$30
Skip-a-payment Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee - Checking	$25	Not stated	None
Early Closure Fee - Savings	$10	Not stated	None
Account Research Fee	$25	Not stated	None
Mortgage Fax Fee	$10	Not stated	None
Wire Transfer Research Fee	$25	Not stated	None
Statement Fee – Paper Statement	$3	Not stated	None
STATEMENTS Statement Fee – Paper Statement	$3	Not stated	None
BAD ADDRESS Bad Address Fee	$5	Not stated	None
Bad Address Fee	$5	Not stated	None
Overdraft & NSF
Overdraft	$20	Not stated	None
Overdraft Privilege Fee	$30	Not stated	None
Overdraft Privilege Fee – Young Adult (18-23)	$10	Not stated	None
NSF Fee or Returned Item Fee	$30	Not stated	None
Overdraft Transfer Fee (From Credit Card, Line of Credit, Savings, or Checking Account)	$5	Not stated	None
ATM & Card
ATM USAGE ATM Usage Fee at a non-TXTCU ATM	$3	Not stated	None
ATM Usage Fee at a non-TXTCU ATM	$3	Not stated	None
Card Replacement Fee, Instant Issue	$10	Not stated	None
Card Replacement Fee, Mailed	$5	Not stated	None
Wire Transfers
Wire Transfer – Domestic (2:00 pm Cutoff Daily)	$25Not compared: Daily charge, not per item	per day	None
WIRE TRANSFER Wire Transfer – Domestic (2:00 pm Cutoff Daily)	$25Not compared: Daily charge, not per item	per day	None
Wire Transfer – International – Sent in Foreign Funds	$50	Not stated	None
Wire Transfer – International – Sent in U.S Funds	$40	Not stated	None
Check Services
Bank Check Fee	$5	Not stated	None
Cashier’s Check Fee	$5	Not stated	None
CHECKS Cashier’s Check Fee	$5	Not stated	None
Money Order Fee	$5	Not stated	None
MONEY ORDER Money Order Fee	$5	Not stated	None
Stop Payment	$30	Not stated	None
COLLECTION ITEM Collection Item Fee – Incoming	$5	Not stated	None
Collection Item Fee – Incoming	$5	Not stated	None
Cashier’s Check Photocopy Fee	$3	Not stated	None
Check Photocopy Fee	$3	Not stated	None
Digital & Electronic
BILL PAY Bill Pay Fee – Charitable Donation	$1.99	Not stated	None
Bill Pay Fee – Charitable Donation	$1.99	Not stated	None
Bill Pay Fee – Gift Check	$2.99	Not stated	None
Bill Pay Fee – Rush Electronic	$4.95	Not stated	None
Bill Pay Fee – Rush Overnight Delivery	$14.95	Not stated	None
Bill Pay Fee – Rush Two-Day Delivery	$9.95	Not stated	None
Account Services
Notary Service Fee	No charge	Not stated	None
BOX Safe Deposit Box Annual Fee – 3x5x22	$25	per year	None
Safe Deposit Box Annual Fee – 10x10x22	$95	per year	None
Safe Deposit Box Annual Fee – 3x10x22	$35	per year	None
Safe Deposit Box Annual Fee – 3x5x22	$25	per year	None
Safe Deposit Box Annual Fee – 5x10x22	$55	per year	None
Safe Deposit Box Annual Fee – 5x5x22	$30	per year	None
Safe Deposit Box Annual Fee – 7x10x22	$75	per year	None
Safe Deposit Box Drilling Fee	$350Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Drilling Fee	$350Not compared: Box drilling or key fee	Not stated	None
Other Fees
Statement Photocopy Fee	$3	Not stated	None
LOAN EXT. / SKIP A PAY Loan Extension: Skip-a-payment Fee	$25	Not stated	None
Mortgage Pay-off Request Fee	$50	Not stated	None
NSF Fee or Returned Item Fee	$30	Not stated	None
Skip-a-payment Fee	$25	Not stated	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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