Formation Federal Credit Union

Headquarters: Baton Rouge, Louisiana
Charter: Credit Union
Assets: $93.0M
Fed district: Atlanta

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

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

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Fees against the market

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

Wire Transfer (Domestic Out)
Formation Federal Credit Union: $25
Formation Federal Credit Union: $25
U.S. median: no median
Stop Payment
Formation Federal Credit Union: $30
Formation Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic In)
Formation Federal Credit Union: $10
Formation Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta 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).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Formation Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant/Inactive Account, per month$5
per month
Escheatment Notice$50
Account Research, per hour$10
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawals (S1, S5, S6)$4
Returned Statement Fee$25
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Protection from Savings, per transfer$10
per item
Overdraft Protection from Visa, per transferNo charge

ATM & Card

Card Replacement, per card$10
per item

Wire Transfers

Wire Transfer - Outgoing, per wire$25
per item
Wire Transfer - Incoming, per wire$10
per item

Check Services

Cashier’s Check, per check$5
per item
Merchant Cashier Check, per item$20
per item
Money Orders$2
per item
Stop Payment, Cashier’s Check$30
Copy of Check, per check$3
per item

Digital & Electronic

ACH OriginationNo charge

Account Services

3x10, per box$30
3x5, per box$15
4x10, per box$45
5x10, per box$60
Drilling/Lost Key$100
Not compared: Box drilling or key fee
Safe Deposit Box$100
Savings Accounts$100
Tax Levy$25
per item

Lending Fees

Late payment - credit card$25
per item

Gift & Prepaid Cards

Gift Card, per card$2
per item

Other Fees

Copy of Statement$2
per item
Loan Application, each$15
per item
Loan Application/STA, each$20
per item
Loan Payment by Phone (with debit card/Check)$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactive Account, per month	$5	per month	None
Escheatment Notice	$50	Not stated	None
Account Research, per hour	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawals (S1, S5, S6)	$4	Not stated	None
Returned Statement Fee	$25Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Protection from Savings, per transfer	$10	per item	None
Overdraft Protection from Visa, per transfer	No charge	Not stated	None
ATM & Card
Card Replacement, per card	$10	per item	None
Wire Transfers
Wire Transfer - Outgoing, per wire	$25	per item	None
Wire Transfer - Incoming, per wire	$10	per item	None
Check Services
Cashier’s Check, per check	$5	per item	None
Merchant Cashier Check, per item	$20	per item	None
Money Orders	$2	per item	None
Stop Payment, Cashier’s Check	$30	Not stated	None
Copy of Check, per check	$3	per item	None
Digital & Electronic
ACH Origination	No charge	Not stated	None
Account Services
3x10, per box	$30	Not stated	None
3x5, per box	$15	Not stated	None
4x10, per box	$45	Not stated	None
5x10, per box	$60	Not stated	None
Drilling/Lost Key	$100Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$100	Not stated	None
Savings Accounts	$100	Not stated	None
Tax Levy	$25	per item	None
Lending Fees
Late payment - credit card	$25	per item	None
Gift & Prepaid Cards
Gift Card, per card	$2	per item	None
Other Fees
Copy of Statement	$2	per item	None
Loan Application, each	$15	per item	None
Loan Application/STA, each	$20	per item	None
Loan Payment by Phone (with debit card/Check)	$10	per item	None

Correct a fee source

Apr 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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