Fee Schedule
Houston Federal Credit Union's super low rates and minimal or non-existent fees help our members thrive and reach their financial goals.
Fees effective July 1, 2025
Checking Account Fees
| Account | Fee |
|---|---|
| Basic Checking (per month) | No Charge |
| 360 Secure Checking (per month, per checking account) | $6.00 |
| Youth Checking (per month) |
No Charge
|
| Check printing |
Prices vary depending on style
|
| Temporary Check (per check) |
$2.00
|
Savings Account Fees
| Account | Fee |
|---|---|
| Savings/Money Market (excess withdrawal fee) | $17.00 (Checks or Preauthorized withdrawals in excess of six per month) |
Other Service Fees
Applies to all accounts and services
| Fee Item | Fee Amount |
|---|---|
| Account Activity Printout | $2.00 |
| Check Bill Payment Service | No Charge‡ (‡Must use at least once every 90 days or a $3.00 per month fee) |
| Bill Payment Charitable Donation | $1.99 |
| Bill Payment Gift Check | $2.99 |
| Bill Payment Overnight Delivery | $34.95 |
| Bill Payment Second Day Delivery | $29.95 |
| Bill Payment Electronic Rush Payment | $6.95 |
| Inactive Account (per month) | $7.50 (dormant 12 months – Balance $100 or less) |
| Check Cashing Non-Member | $5.00 |
| Bad Address Fee (per month) | $7.50/Month |
| ATM (HFCU Member) | No Charge (ATMs we own/operate; Surcharge free ATMs listed on HFCU’s website) |
| ATM (HFCU Member) | $1.00 (ATMs we do not own/operate or surcharge free ATMs not listed on HFCU website. ATM owner may assess an additional surcharge fee.) |
| ATM (HFCU Non-Member) | $2.00 |
| Card Replacement (one free per calendar year) | $5.00 |
| Checks - Cashier | $3.00 (One free per day if you have a checking account at HFCU) |
| Checks - Cashier (Non-Member) | $5.00 |
| Checks - Money Order | $2.00 |
| Collection item - Incoming | $10.00 |
| Collection item - Outgoing (Domestic) | correspondent fees plus $15.00 |
| Collection item - Outgoing (International) | correspondent fees plus $25.00 |
| Check Copy (per item) | $2.00 |
| Check Copy – Online Banking | No Charge |
| Check Returned (given to you by a third party) | No Charge |
| Check Returned (self to self) | $23.00 |
| Gift Cards up to $1,000 (per card) | $3.95 |
| Nonsufficient funds – NSF* (per item presentation) | $24.00 (Not to exceed 5 charges per day, excess item(s) returned unpaid with no fee) |
| Overdraft Protection – ODP*(per item presentation) | $24.00 (Not to exceed 5 charges per day) |
| Statements - Electronic (per month) | No Charge |
| Statements - Printed/Mailed† (per month) | $3.00 |
| Stop Payments (per item) | $25.00 |
| Signature Guarantee (per event) | $25.00 |
* Fees are charged if you do not have a sufficient available balance on your account. The fee will be charged whether the item is paid or it is returned unpaid. Items can be presented multiple times and will be charged per presentation. Nonsufficient funds and Overdraft fees imposed on transactions by check, in-person withdrawal, ATM withdrawal, ACH or any other electronic means. ODP fee charged when balance reaches -$10.00. Fees may reduce earnings. †Accounts enrolled to receive paper statements prior to October 1, 2024 will not incur a charge on their account. Any enrollment changes on or after October 1, 2024 to this selection could incur charges.
Wire Transfer Fees
| Wire Item | Fee |
|---|---|
| Domestic - Outgoing | $15.00 |
| Domestic - Incoming | No Charge |
| Foreign - Outgoing | correspondent fees plus $47.00 |
| Foreign - Incoming | No Charge |
Safe Deposit Box Fees
| Size | 2 × 5 | 3 × 5 | 5 × 5 | 3 × 10 | 5 × 10 | 10 × 10 |
|---|---|---|---|---|---|---|
| Cost | $17.50 | $22.50 | $27.50 | $40.00 | $60.00 | $100.00 |
Other Fees
| Item | Fee |
|---|---|
| Nonsufficient Funds (of annual renewal fee) | $24.00 |
| Drill Box Fee | Fee assessed by Vendor |
| Replacement Keys | $25.00 |
| Late Fee | $10.00 |
Research Fees
| Item | Fee |
|---|---|
| Account Balancing Assistance (per hour) | $25.00 1 hour minimum plus $2.00 per copy |
| Account Research (per hour) | $25.00 1 hour minimum (applies to all account and services research) plus $2.00 per copy |
| Garnishments, Executions, Levies and other subpoenas |
$50.00 plus legal fees, plus $15.00 per hour research, plus $2.00 per copy |
| IRS Subpoenas | fee as authorized by IRS |
| Photocopy | $2.00 |
Lending & Credit Card Fees
| Fee Item | Fee Amount |
|---|---|
| Collection Fees | All costs involved in collecting amount owed to HFCU including court costs and reasonable attorney fees. |
| Late Fee – Credit Card (the lesser of) | $15.00 or the amount of the required minimum payment if you are ten (10) or more days late in making a payment. |
| Minimum Payment (the greater of) | $20.00 or 2% of balance |
| Over the Limit Fee | $15.00 will be charged when you exceed your account balance limit by more than $100 ($100.01 or more). This will be charged only once per billing cycle, regardless of the number of times your account balance becomes over the limit by more than $100 during a billing cycle. |
| Filing Fees | All lien filing fees for security interest in any secured loans. |
| Late Fee – Loans (the lesser of) | $25.00 or 5% of payment when you are ten (10) or more days late. |
| Late Title Registration Penalty Fee | $250.00 |
| Electronic Title Lien Fee | $5.00 |
| Skip-a-Pay Fee (per loan skipped) | $25.00 |
| Telephone Payment Convenience Fee | $10.00 |