vs. U.S. typical range:LowerTypicalHigher
$1.95 above the national median$0.97 above the Georgia median
per month · Institution’s schedule
$4 below the national median$4.98 below the Georgia median
per month · FREE with Direct Deposit and e-statement, if not met then $2.00 · Institution’s schedule
$6 below the national median$6.98 below the Georgia median
per month · minors only age 13-17, FREE · Institution’s schedule
$1.05 below the national median$2.03 below the Georgia median
per month · FREE with minimum average daily balance of $4,000, if not met then $4.95 · Institution’s schedule
$7.50 below the national medianAt the Georgia median
per item · Institution’s schedule
$7.50 below the national medianAt the Georgia median
$7.50 above the national median$10 above the Georgia median
per item · per hour, minimum 1 hour · Institution’s schedule
$2.50 below the national medianAt the Georgia median
per item · Institution’s schedule
$7.50 below the national median$5 below the Georgia median
per item · Institution’s schedule
$7.50 above the national median$10 above the Georgia median
per item · Institution’s schedule
$32.50 above the national median$35 above the Georgia median
per item · Institution’s schedule
$7.50 above the national median$10 above the Georgia median
per item · Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card · Institution’s schedule
$12.55 below the national median$10.05 below the Georgia median
per item · Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card · Institution’s schedule
$32.50 above the national median$35 above the Georgia median
per item · Source
$7.50 above the national median$10 above the Georgia median
$3 above the national median$1 above the Georgia median
$3 above the national median$1 above the Georgia median
At the national medianAt the Georgia median
per item · Institution’s schedule
At the national median$5 above the Georgia median
per item · per Wire · Institution’s schedule
At the national median$5 above the Georgia median
$2 above the national median$2 above the Georgia median
per item · Per Wire · Source
$2 above the national median$2 above the Georgia median
At the national medianAt the Georgia median
per item · per Wire · Institution’s schedule
At the national medianAt the Georgia median
per item · Source
$15 above the national median$12.50 above the Georgia median
per item · per Wire · Institution’s schedule
$15 above the national median$12.50 above the Georgia median
At the national medianAt the Georgia median
per item · per check · Institution’s schedule
At the national medianAt the Georgia median
per month · Source
per item · Source
$5.50 above the national median$1 above the Georgia median
per item · Draft, ACH, or Official Check · Institution’s schedule
$10 below the national median$15 below the Georgia median
$5 above the national medianAt the Georgia median
At the national medianAt the Georgia median
per item · Institution’s schedule
At the national medianAt the Georgia median
per item · Institution’s schedule
$2.50 below the national medianAt the Georgia median
per item · Institution’s schedule
$4.50 above the national median$7 above the Georgia median
$12.50 above the national median$15 above the Georgia median
$2.50 below the national medianAt the Georgia median
$2.50 below the national medianAt the Georgia median
per item · Institution’s schedule
$2.50 below the national medianAt the Georgia median
$55 above the national median$52.50 above the Georgia median
per year · Source
$55 above the national median$52.50 above the Georgia median
per year · Institution’s schedule
$10 above the national median$7.50 above the Georgia median
per year · Institution’s schedule
$10 below the national median$12.50 below the Georgia median
per year · Institution’s schedule
$30 above the national median$27.50 above the Georgia median
per year · Institution’s schedule
$15 below the national median$17.50 below the Georgia median
per item · Institution’s schedule
$30 below the national median$32.50 below the Georgia median
per year · after 30 days delinquent · Institution’s schedule
$10 above the national median$7.50 above the Georgia median
per year · Source
$30 above the national median$27.50 above the Georgia median
per year · Source
$15 below the national median$17.50 below the Georgia median
$25 above the national median$25 above the Georgia median
per item · Institution’s schedule
$25 above the national median$25 above the Georgia median
$2 below the national median$2 below the Georgia median
$2 above the national median$2 above the Georgia median
per item · Source
$12.50 above the national median$17.50 above the Georgia median
$2.50 below the national median$2.50 above the Georgia median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly Service Fee - Advantage Checking | $7.95Within the typical range ($4–$10 nationally) | $1.95 above the national median$0.97 above the Georgia median | per month | — | Institution’s schedule |
| Monthly Service Fee - Eazy Checking | $2Below the typical range ($4–$10 nationally) | $4 below the national median$4.98 below the Georgia median | per month | FREE with Direct Deposit and e-statement, if not met then $2.00 | Institution’s schedule |
| Monthly Service Fee - Freedom Checking | $0Below the typical range ($4–$10 nationally) | $6 below the national median$6.98 below the Georgia median | per month | minors only age 13-17, FREE | Institution’s schedule |
| Monthly Service Fee - Premium Checking | $4.95Within the typical range ($4–$10 nationally) | $1.05 below the national median$2.03 below the Georgia median | per month | FREE with minimum average daily balance of $4,000, if not met then $4.95 | Institution’s schedule |
| Christmas Club Early Withdrawal Fee | $10Within the typical range ($10–$25 nationally) | $7.50 below the national medianAt the Georgia median | per item | — | Institution’s schedule |
| Early Account Closure Fee | $10Within the typical range ($10–$25 nationally) | $7.50 below the national medianAt the Georgia median | — | — | Source |
| Account Reconciliation/Research Fee | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$10 above the Georgia median | per item | per hour, minimum 1 hour | Institution’s schedule |
| Bad Address Fee - Returned Cards (ATM/Debit Cards) | $15Within the typical range ($12–$25 nationally) | $2.50 below the national medianAt the Georgia median | per item | — | Institution’s schedule |
| Bad Address Fee - Returned Mail | $10Below the typical range ($12–$25 nationally) | $7.50 below the national median$5 below the Georgia median | per item | — | Institution’s schedule |
| Charge Off Processing Fee | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$10 above the Georgia median | per item | — | Institution’s schedule |
| Consumer Loan Processing Fee | $50Above the typical range ($12–$25 nationally) | $32.50 above the national median$35 above the Georgia median | per item | — | Institution’s schedule |
| Payment Processing Fee - Telephone with Personal Representative | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$10 above the Georgia median | per item | Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card | Institution’s schedule |
| Payment Processing Fee - Web Initiated | $4.95Below the typical range ($12–$25 nationally) | $12.55 below the national median$10.05 below the Georgia median | per item | Pre-Authorized Withdrawals from Non-GHFCU Savings/Checking Account or Debit Card | Institution’s schedule |
| Repossession Processing Fee | $50Above the typical range ($12–$25 nationally) | $32.50 above the national median$35 above the Georgia median | per item | — | Source |
| Account Reconciliation/Research Fee - per hour, minimum 1 hour | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$10 above the Georgia median | — | — | Source |
Overdraft & NSFVerified | |||||
| Non-Sufficient Funds (NSF) Fee - PAID Draft/ACH Items | $33Within the typical range ($25–$33 nationally) | $3 above the national median$1 above the Georgia median | — | — | Source |
| Non-Sufficient Funds (NSF) Fee - UNPAID Draft/ACH Items | $33 | ||||
ATM & CardVerified | |||||
| ATM/Debit Card Replacement Fee | $10Within the typical range ($5–$10 nationally) | At the national medianAt the Georgia median | per item | — | Institution’s schedule |
Wire TransfersVerified | |||||
| Wire Transfer Fee - Outgoing Domestic | $25Within the typical range ($20–$25 nationally) | At the national median$5 above the Georgia median | per item | per Wire | Institution’s schedule |
| Wire Transfer Fee - Outgoing Domestic, per Wire | $25 | ||||
Check ServicesVerified | |||||
| Official Check Fee | $5Within the typical range ($3–$6 nationally) | At the national medianAt the Georgia median | per item | per check | Institution’s schedule |
| Inactive Account Fee - per month after no activity for one year. Share account: Official Check Fee - per check | |||||
Digital & ElectronicVerified | |||||
| Web or Phone Initiated Payment Return Fee | $43Above the typical range ($15–$30 nationally) | $18 above the national median | per item | — | Institution’s schedule |
| Bill Payment & Online/Mobile Banking | $0 | ||||
Account ServicesVerified | |||||
| Notary Services for Members | $0Within the typical range ($0–$5 nationally) | $2.50 below the national medianAt the Georgia median | per item | — | Institution’s schedule |
| Notary Services for Members | $0 | ||||
Other FeesVerified | |||||
| Fax and Photocopy Service Fee - per page | $1Below the typical range ($2–$5 nationally) | $2 below the national median$2 below the Georgia median | — | — | Source |
| Statement Copy Fee - per each copy | $5 | ||||
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$33.00
Of 166 others that publish it, 133 lower, 1 the same and 32 higher.
Monthly maintenance
$4.95
Of 92 others that publish it, 24 lower, 1 the same and 67 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$33
Headline fees published
9 of 15
Published fees
57
Under review
0
Assets
$162.7M
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$162.7M
Total deposits
$143.5M
Service charge income (year to date)
$413K
Fee income ratio
8.2%
Return on assets
0.30%
Financial profile · Pro
Unlock all 50 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.
| $3 above the national median$1 above the Georgia median |
| — |
| — |
| Source |
| At the national median$5 above the Georgia median |
| — |
| — |
| Source |
| Wire Transfer Fee - Incoming Domestic | $12Within the typical range ($5–$15 nationally) | $2 above the national median$2 above the Georgia median | per item | Per Wire | Source |
| Wire Transfer Fee - Incoming Domestic, per Wire | $12Within the typical range ($5–$15 nationally) | $2 above the national median$2 above the Georgia median | — | — | Source |
| Wire Transfer Fee - Outgoing International | $50Within the typical range ($40–$50 nationally) | At the national medianAt the Georgia median | per item | per Wire | Institution’s schedule |
| Wire Transfer Fee - Outgoing International, per Wire | $50Within the typical range ($40–$50 nationally) | At the national medianAt the Georgia median | per item | — | Source |
| Wire Transfer Fee - Incoming International | $35Above the typical range ($10–$25 nationally) | $15 above the national median$12.50 above the Georgia median | per item | per Wire | Institution’s schedule |
| Wire Transfer Fee - Incoming International, per Wire | $35Above the typical range ($10–$25 nationally) | $15 above the national median$12.50 above the Georgia median | — | — | Source |
| $5Within the typical range ($3–$6 nationally) |
| At the national medianAt the Georgia median |
| per month |
| — |
| Source |
| BILL PAY Return Fee - Paper Check Mailed | $15Within the typical range ($0–$15 nationally) | $14 above the national median | per item | — | Source |
| Stop Payment Fee | $33Above the typical range ($20–$30 nationally) | $5.50 above the national median$1 above the Georgia median | per item | Draft, ACH, or Official Check | Institution’s schedule |
| Collection Item Fee (Incoming) | $10Within the typical range ($10–$25 nationally) | $10 below the national median$15 below the Georgia median | — | — | Source |
| Collection Item Fee (Outgoing) | $25Within the typical range ($10–$25 nationally) | $5 above the national medianAt the Georgia median | — | — | Source |
| Check Copy Fee | $3Within the typical range ($2–$5 nationally) | At the national medianAt the Georgia median | per item | — | Institution’s schedule |
| Check Copy Fee | $3Within the typical range ($2–$5 nationally) | At the national medianAt the Georgia median | — | — | Source |
| $2.50 below the national medianAt the Georgia median |
| per item |
| — |
| Institution’s schedule |
| BILL PAY Return Fee - Electronic | $7Within the typical range ($0–$9.95 nationally) | $4.50 above the national median$7 above the Georgia median | — | — | Source |
| BILL PAY Return Fee - Paper Check Mailed | $15Above the typical range ($0–$9.95 nationally) | $12.50 above the national median$15 above the Georgia median | — | — | Source |
| Bill Payment & Online/Mobile Banking | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national medianAt the Georgia median | — | — | Source |
| $2.50 below the national medianAt the Georgia median |
| — |
| — |
| Source |
| 10X10 Box Annual Fee | $100Above the typical range ($30–$70 nationally) | $55 above the national median$52.50 above the Georgia median | per year | — | Source |
| Safe Deposit Box Fee - 10X10 Box | $100Above the typical range ($30–$70 nationally) | $55 above the national median$52.50 above the Georgia median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 3X10 Box | $55Within the typical range ($30–$70 nationally) | $10 above the national median$7.50 above the Georgia median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 3X5 Box | $35Within the typical range ($30–$70 nationally) | $10 below the national median$12.50 below the Georgia median | per year | — | Institution’s schedule |
| Safe Deposit Box Fee - 5X10 Box | $75Above the typical range ($30–$70 nationally) | $30 above the national median$27.50 above the Georgia median | per year | — | Institution’s schedule |
| Safe Deposit Box Key Replacement Fee | $30Within the typical range ($30–$70 nationally) | $15 below the national median$17.50 below the Georgia median | per item | — | Institution’s schedule |
| Safe Deposit Box Late Fee (Annual) | $15Below the typical range ($30–$70 nationally) | $30 below the national median$32.50 below the Georgia median | per year | after 30 days delinquent | Institution’s schedule |
| 3X10 Box Annual Fee | $55Within the typical range ($30–$70 nationally) | $10 above the national median$7.50 above the Georgia median | per year | — | Source |
| 5X10 Box Annual Fee | $75Above the typical range ($30–$70 nationally) | $30 above the national median$27.50 above the Georgia median | per year | — | Source |
| Safe Deposit Box Key Replacement Fee | $30Within the typical range ($30–$70 nationally) | $15 below the national median$17.50 below the Georgia median | — | — | Source |
| Levies, Garnishments, and Legal Proceedings Processing Fee | $75Within the typical range ($30–$90 nationally) | $25 above the national median$25 above the Georgia median | per item | — | Institution’s schedule |
| Levies, Garnishments, and Legal Proceedings Processing Fee | $75Within the typical range ($30–$90 nationally) | $25 above the national median$25 above the Georgia median | — | — | Source |
| $2 above the national median$2 above the Georgia median |
| per item |
| — |
| Source |
| Consumer Loan Processing fee | $50Within the typical range ($25–$100 nationally) | $12.50 above the national median$17.50 above the Georgia median | — | — | Source |
| Quick Cash Loan Application Fee | $35Within the typical range ($25–$100 nationally) | $2.50 below the national median$2.50 above the Georgia median | — | — | Source |