Rave Financial Federal Credit Union

Headquarters: Beaumont, Texas
Charter: Credit Union
Assets: $1.2B
Fed district: Dallas

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

Source: its fee schedule, read Oct 14, 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)
Rave Financial Federal Credit Union: $30
Rave Financial Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Rave Financial Federal Credit Union: $30
Rave Financial Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Rave Financial Federal Credit Union: $2
Rave Financial Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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 Rave Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure within 90 days$25
Account Balancing/Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$2
per month
Returned Mailed Statement$5

Overdraft & NSF

Overdraft ATM/Debit Card$30
per item
Overdraft for Paid Item$30
per item
Return Items$30
per item
Overdraft Transfer$5.50
per item

ATM & Card

ATM/Debit Card Transactions & Inquiries$2
Debit EMV Chip Card Replacement$10

Check Services

Official Check/Money Order$3
per item
Stop Payment (all items)$30
per item
Temporary Drafts$5
per item · 12 checks
Collection Item Processing: International$35
Draft Copy$2
per item

Account Services

Lost Key$70
Not compared: Box drilling or key fee
Legal Document Processing (Levies, Garnishments, Writs, etc.)$50

Lending Fees

Late Fee (audience not stated, treated as personal)5%

Gift & Prepaid Cards

Gift Card$5
per item

Other Fees

Photocopies (10 copies free)$0.05
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure within 90 days	$25	Not stated	None
Account Balancing/Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$2	per month	None
Returned Mailed Statement	$5	Not stated	None
Overdraft & NSF
Overdraft ATM/Debit Card	$30	per item	None
Overdraft for Paid Item	$30	per item	None
Return Items	$30	per item	None
Overdraft Transfer	$5.50	per item	None
ATM & Card
ATM/Debit Card Transactions & Inquiries	$2	Not stated	None
Debit EMV Chip Card Replacement	$10	Not stated	None
Check Services
Official Check/Money Order	$3	per item	None
Stop Payment (all items)	$30	per item	None
Temporary Drafts	$5	per item	12 checks
Collection Item Processing: International	$35	Not stated	None
Draft Copy	$2	per item	None
Account Services
Lost Key	$70Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing (Levies, Garnishments, Writs, etc.)	$50	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	5%	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	per item	None
Other Fees
Photocopies (10 copies free)	$0.05Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

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

Account Maintenance

Account Closure within 90 days$25
Account Balancing/Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$2
per month
Returned Mailed Statement$5

Overdraft & NSF

Overdraft ATM/Debit Card$30
per item
Overdraft for Paid Item$30
per item
Return Items$30
per item
Overdraft Transfer$5.50
per item

ATM & Card

ATM/Debit Card Transactions & Inquiries$2
Debit EMV Chip Card Replacement$10

Check Services

Official Check/Money Order$3
per item
Stop Payment (all items)$30
per item
Temporary Drafts$5
per item · 12 checks
Collection Item Processing: International$35
Draft Copy$2
per item

Account Services

Lost Key$70
Not compared: Box drilling or key fee
Legal Document Processing (Levies, Garnishments, Writs, etc.)$50

Gift & Prepaid Cards

Gift Card$5
per item
Gift Cards$5

Other Fees

Photocopies (10 copies free)$0.05
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure within 90 days	$25	Not stated	None
Account Balancing/Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$2	per month	None
Returned Mailed Statement	$5	Not stated	None
Overdraft & NSF
Overdraft ATM/Debit Card	$30	per item	None
Overdraft for Paid Item	$30	per item	None
Return Items	$30	per item	None
Overdraft Transfer	$5.50	per item	None
ATM & Card
ATM/Debit Card Transactions & Inquiries	$2	Not stated	None
Debit EMV Chip Card Replacement	$10	Not stated	None
Check Services
Official Check/Money Order	$3	per item	None
Stop Payment (all items)	$30	per item	None
Temporary Drafts	$5	per item	12 checks
Collection Item Processing: International	$35	Not stated	None
Draft Copy	$2	per item	None
Account Services
Lost Key	$70Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing (Levies, Garnishments, Writs, etc.)	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	per item	None
Gift Cards	$5	Not stated	None
Other Fees
Photocopies (10 copies free)	$0.05Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 14, 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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Fees against the market

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

Overdraft (OD)
Rave Financial Federal Credit Union: $30
Rave Financial Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Rave Financial Federal Credit Union: $30
Rave Financial Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Rave Financial Federal Credit Union: $2
Rave Financial Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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.

Published fee schedule

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

Account Maintenance

Account Closure within 90 days$25
Account Balancing/Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$2
per month
Returned Mailed Statement$5

Overdraft & NSF

Overdraft ATM/Debit Card$30
per item
Overdraft for Paid Item$30
per item
Return Items$30
per item
Overdraft Transfer$5.50
per item

ATM & Card

ATM/Debit Card Transactions & Inquiries$2
Debit EMV Chip Card Replacement$10

Check Services

Official Check/Money Order$3
per item
Stop Payment (all items)$30
per item
Temporary Drafts$5
per item · 12 checks
Collection Item Processing: International$35
Draft Copy$2
per item

Account Services

Lost Key$70
Not compared: Box drilling or key fee
Legal Document Processing (Levies, Garnishments, Writs, etc.)$50

Lending Fees

Late Fee (audience not stated, treated as personal)5%

Gift & Prepaid Cards

Gift Card$5
per item

Other Fees

Photocopies (10 copies free)$0.05
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure within 90 days	$25	Not stated	None
Account Balancing/Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$2	per month	None
Returned Mailed Statement	$5	Not stated	None
Overdraft & NSF
Overdraft ATM/Debit Card	$30	per item	None
Overdraft for Paid Item	$30	per item	None
Return Items	$30	per item	None
Overdraft Transfer	$5.50	per item	None
ATM & Card
ATM/Debit Card Transactions & Inquiries	$2	Not stated	None
Debit EMV Chip Card Replacement	$10	Not stated	None
Check Services
Official Check/Money Order	$3	per item	None
Stop Payment (all items)	$30	per item	None
Temporary Drafts	$5	per item	12 checks
Collection Item Processing: International	$35	Not stated	None
Draft Copy	$2	per item	None
Account Services
Lost Key	$70Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing (Levies, Garnishments, Writs, etc.)	$50	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	5%	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	per item	None
Other Fees
Photocopies (10 copies free)	$0.05Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

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

Account Maintenance

Account Closure within 90 days$25
Account Balancing/Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement$2
per month
Returned Mailed Statement$5

Overdraft & NSF

Overdraft ATM/Debit Card$30
per item
Overdraft for Paid Item$30
per item
Return Items$30
per item
Overdraft Transfer$5.50
per item

ATM & Card

ATM/Debit Card Transactions & Inquiries$2
Debit EMV Chip Card Replacement$10

Check Services

Official Check/Money Order$3
per item
Stop Payment (all items)$30
per item
Temporary Drafts$5
per item · 12 checks
Collection Item Processing: International$35
Draft Copy$2
per item

Account Services

Lost Key$70
Not compared: Box drilling or key fee
Legal Document Processing (Levies, Garnishments, Writs, etc.)$50

Gift & Prepaid Cards

Gift Card$5
per item
Gift Cards$5

Other Fees

Photocopies (10 copies free)$0.05
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure within 90 days	$25	Not stated	None
Account Balancing/Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement	$2	per month	None
Returned Mailed Statement	$5	Not stated	None
Overdraft & NSF
Overdraft ATM/Debit Card	$30	per item	None
Overdraft for Paid Item	$30	per item	None
Return Items	$30	per item	None
Overdraft Transfer	$5.50	per item	None
ATM & Card
ATM/Debit Card Transactions & Inquiries	$2	Not stated	None
Debit EMV Chip Card Replacement	$10	Not stated	None
Check Services
Official Check/Money Order	$3	per item	None
Stop Payment (all items)	$30	per item	None
Temporary Drafts	$5	per item	12 checks
Collection Item Processing: International	$35	Not stated	None
Draft Copy	$2	per item	None
Account Services
Lost Key	$70Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing (Levies, Garnishments, Writs, etc.)	$50	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	per item	None
Gift Cards	$5	Not stated	None
Other Fees
Photocopies (10 copies free)	$0.05Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 14, 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.