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, $300M to $1B

First Credit Union

Chandler, ArizonaCredit UnionDallas Fed districtFees collected Oct 5, 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$20Within the typical range ($20–$25 nationally)

varies · Per hour · Source

Excess Transaction Limit$10

$15 below the national median

per item · Regular Savings, Additional Savings, and Money Market accounts are limited to six (6) transactions per calendar month from each account. Service cost is assessed for transactions that exceed this limit. · Source

Inactive Membership$10

$5 above the national median

per month · Source

Monthly Maintenance$10

$4.50 above the national median

per month · Source

Monthly service cost is reduced to$8

$2.50 above the national median

per month · Source

Paper Statements$3

At the national median

per month · Source

Returned Mail for Bad Address$5

$20 below the national median

one time · One-time service cost for each address change · Source

Sunshine Checking - Under Utilization$5

At the national median

per month · Assessed for members 25 and older after 6 consecutive months without one of the following: Receive a direct deposit during statement cycle, Complete (post & clear) at least 10 firstcu debit card purchases, Maintain a $100 minimum daily account balance · Source

Overdraft & NSFVerified

Non-Sufficient Funds - Overdraft$20Below the typical range ($25–$31.50 nationally)
$10 below the national median
per item · An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge. · Source
Overdraft Payment Service$20Below the typical range ($25–$32 nationally)
$10 below the national median
Source
Overdraft Transfers$5Within the typical range ($3–$5 nationally)
At the national median
per item · Transfers made by FCU between member-designated internal accounts to cover overdraft transactions · Source
Sunshine Checking | Returned Item$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source

ATM & CardVerified

(ATM, POS, ACH, Checks, Debit) | Visa Card Replacement RUSH$25Below the typical range ($30–$50 nationally)
$15 below the national median
Source
An NSF service charge is assessed each time an item is presented | Visa Card & PIN Replacement RUSH$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source
ATM, POS, ACH, Checks, Debit >$5Above the typical range ($1–$2.50 nationally)
$3.25 above the national median
Source
Out-of-Network ATM Usage$4.50Above the typical range ($1–$2.50 nationally)
$2.75 above the national median
Source
Visa Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
per item · Source

Wire TransfersVerified

sufficient funds will result in a separate service charge. | Wire Transfer – Outgoing International$40Within the typical range ($40–$50 nationally)
$10 below the national median
Source
Wire Transfer - Outgoing Domestic$20Within the typical range ($20–$25 nationally)
$5 below the national median
per item · Source
Wire Transfer - Outgoing International$40Within the typical range ($40–$50 nationally)
$10 below the national median
per item · Source

Check ServicesVerified

/Month | FCU Official Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
per month · Source
/Month | Stop Payment$20Within the typical range ($20–$30 nationally)
$6 below the national median
per month · Source
Check Cashing for Non-Members$8Within the typical range ($5–$10 nationally)
$3 above the national median
per item · Source
Check Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · First six (6) check copies per calendar are FREE with First Premier Checking · Source
First six (6) check copies per calendar are$0Below the typical range ($2–$5 nationally)
$3 below the national median
Source
Money Market (Consumer & Business) | FCU Official Checks$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Money Orders$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
per item · Source
Overspend feature with subscription. | Check Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Post-Dated Checks$35Above the typical range ($1–$17.85 nationally)
$30 above the national median
per item · Source
Receipt Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Source
Regular Savings, Additional Savings, and Money Market accounts are | Money Orders$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Source
Stop Payment$20Within the typical range ($20–$30 nationally)
$6 below the national median
per item · Source

Digital & ElectronicVerified

Digital Banking – Bill Payment$0Within the typical range ($0–$10.20 nationally)
$4.95 below the national median
Source

Cash & DepositVerified

when enrolled in eDocu- | Deposit Item Returned for NSF$35Above the typical range ($10–$25 nationally)
$20 above the national median
per month · Source

Account ServicesVerified

Legal Processing$100Within the typical range ($46.25–$150 nationally)
At the national median
per item · Source
Network ATM is any FCU ATM or any ATM that is part of the CO-OP | Verification of Deposit Form Processing$10Within the typical range ($8.98–$15 nationally)
At the national median
Source
Verification of Deposit Form Processing$10Within the typical range ($8.98–$15 nationally)
At the national median
per item · Source

Other FeesVerified

Statement Copy$3Within the typical range ($2–$5 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($20–$25 nationally)	$5 below the national median	varies	Per hour	Source
Excess Transaction Limit	$10Below the typical range ($20–$25 nationally)	$15 below the national median	per item	Regular Savings, Additional Savings, and Money Market accounts are limited to six (6) transactions per calendar month from each account. Service cost is assessed for transactions that exceed this limit.	Source
Inactive Membership	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Monthly Maintenance	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Monthly service cost is reduced to	$8Within the typical range ($3–$10 nationally)	$2.50 above the national median	per month	—	Source
Paper Statements	$3Within the typical range ($2–$4.50 nationally)	At the national median	per month	—	Source
Returned Mail for Bad Address	$5Below the typical range ($20–$25 nationally)	$20 below the national median	one time	One-time service cost for each address change	Source
Sunshine Checking - Under Utilization	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Assessed for members 25 and older after 6 consecutive months without one of the following: Receive a direct deposit during statement cycle, Complete (post & clear) at least 10 firstcu debit card purchases, Maintain a $100 minimum daily account balance	Source
Overdraft & NSFVerified
Non-Sufficient Funds - Overdraft	$20Below the typical range ($25–$31.50 nationally)	$10 below the national median	per item	An NSF service charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate service charge.	Source
Overdraft Payment Service
ATM & CardVerified
(ATM, POS, ACH, Checks, Debit) \| Visa Card Replacement RUSH	$25Below the typical range ($30–$50 nationally)	$15 below the national median	—	—	Source
An NSF service charge is assessed each time an item is presented \| Visa Card & PIN Replacement RUSH	$50
Wire TransfersVerified
sufficient funds will result in a separate service charge. \| Wire Transfer – Outgoing International	$40Within the typical range ($40–$50 nationally)	$10 below the national median	—	—	Source
Wire Transfer - Outgoing Domestic	$20
Check ServicesVerified
/Month \| FCU Official Check Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	—	Source
/Month \| Stop Payment	$20
Digital & ElectronicVerified
Digital Banking – Bill Payment	$0Within the typical range ($0–$10.20 nationally)	$4.95 below the national median	—	—	Source
Cash & DepositVerified
when enrolled in eDocu- \| Deposit Item Returned for NSF	$35Above the typical range ($10–$25 nationally)	$20 above the national median	per month	—	Source
Account ServicesVerified
Legal Processing	$100Within the typical range ($46.25–$150 nationally)	At the national median	per item	—	Source
Network ATM is any FCU ATM or any ATM that is part of the CO-OP \| Verification of Deposit Form Processing	$10
Other FeesVerified
Statement Copy	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	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

$20

Overdraft fee: $20

33% below the national median overdraft fee

Total fees: 43

Headline fees published

12 of 15

Published fees

Under review

Assets

$811.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$811.6M

Total deposits

$689.0M

Service charge income (year to date)

$1.8M

Fee income ratio

7.3%

Return on assets

0.24%

Financial profile · Pro

Performance from regulator filings

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Based on 37,892 published fee entries from 2,651 institutions

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