Fivepoint Federal Credit Union

Headquarters: Nederland, Texas
Charter: Credit Union
Assets: $1.1B
Fed district: Dallas

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

Source: its fee schedule, read Oct 21, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
SECOND CHANCE CHECKING
Fivepoint Federal Credit Union: $10
Fivepoint Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Fivepoint Federal Credit Union: $30
Fivepoint Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $27.50, the middle of its prices
Fivepoint Federal Credit Union: $25 to $30
Fivepoint Federal Credit Union: $25 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 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 Fivepoint Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

SECOND CHANCE CHECKING Monthly Service Fees$10
per month
Account Reconciliation$20

Overdraft & NSF

Overdraft$30
per item
Overdraft fee (audience not stated, treated as personal)$30
per item
NSF$25
per item
Returned Item Fee$30
Overdraft Transfer Fee$5
per item

ATM & Card

Nonproprietary ATM Inquiry$2
per item
Nonproprietary ATM/Debit Card Withdrawal/Transfer$2
per item
Debit Card Replacement$10
per item

Wire Transfers

Wire Transfer – Domestic Outgoing$20
per item
Wire Transfer – International Outgoing$45
per item

Check Services

Cashier’s Check$5
per item
Rewards Share Draft (Checking) Account Fees: Stop Payment$25
per item
Counter Check$5
Non-Member On Us Check Cashing$5
per item
Items Sent for Collection$20
per item
Photocopy of Check$2
per item

Digital & Electronic

ACH Returned Item$30
per item

Cash & Deposit

Deposited Return Item$10
per item
Deposited Return Item from Member$20
per item
Returned Item$25
per item
Shared Branch Deposited Return Item$15
per item

Account Services

Annual Rental Size 3 x 10$25
per year
Annual Rental Size 5 x 10$45
per year

Other Fees

Photocopy$0.25
per item
Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
SECOND CHANCE CHECKING Monthly Service Fees	$10	per month	None
Account Reconciliation	$20	Not stated	None
Overdraft & NSF
Overdraft	$30	per item	None
Overdraft fee (audience not stated, treated as personal)	$30	per item	None
NSF	$25	per item	None
Returned Item Fee	$30	Not stated	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Nonproprietary ATM Inquiry	$2	per item	None
Nonproprietary ATM/Debit Card Withdrawal/Transfer	$2	per item	None
Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer – Domestic Outgoing	$20	per item	None
Wire Transfer – International Outgoing	$45	per item	None
Check Services
Cashier’s Check	$5	per item	None
Rewards Share Draft (Checking) Account Fees: Stop Payment	$25	per item	None
Counter Check	$5	Not stated	None
Non-Member On Us Check Cashing	$5	per item	None
Items Sent for Collection	$20	per item	None
Photocopy of Check	$2	per item	None
Digital & Electronic
ACH Returned Item	$30	per item	None
Cash & Deposit
Deposited Return Item	$10	per item	None
Deposited Return Item from Member	$20	per item	None
Returned Item	$25	per item	None
Shared Branch Deposited Return Item	$15	per item	None
Account Services
Annual Rental Size 3 x 10	$25	per year	None
Annual Rental Size 5 x 10	$45	per year	None
Other Fees
Photocopy	$0.25	per item	None
Statement Copy	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 21, 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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