Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Aod Federal Credit Union

Bynum, AlabamaCredit UnionAtlanta Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

If there is no transaction activity on your share and/or share draft account for a period of twelve (12) months and AOD$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Paid NSF Fees$30Within the typical range ($25–$33 nationally)
At the national medianAt the Alabama median
Source
NSF Fees$30Within the typical range ($25–$32 nationally)
At the national medianAt the Alabama median
Source

Wire TransfersVerified

Wire Transfers – Outgoing$40Above the typical range ($20–$25 nationally)
$15 above the national median$20 above the Alabama median
Source
Wire Transfers – Incoming$30Above the typical range ($5–$15 nationally)
$20 above the national median$17.50 above the Alabama median
Source

Check ServicesVerified

Official Check$2Below the typical range ($3–$6 nationally)
$3 below the national median$3 below the Alabama median
Source
Money Orders ($1.00 with Draft Acct)$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the Alabama median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4 below the Alabama median
Source
Counter Check$0.50Below the typical range ($1–$4 nationally)
$1.50 below the national median$1.50 below the Alabama median
Source
Check Copies (each)$3Within the typical range ($2–$5 nationally)
At the national median$1 above the Alabama median
per item · Source

Digital & ElectronicVerified

ACH Debit Return$30Within the typical range ($15–$30 nationally)
$5 above the national median$5 above the Alabama median
Source
Electronic Bill Payment$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$4.22 below the Alabama median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
If there is no transaction activity on your share and/or share draft account for a period of twelve (12) months and AOD	$5Within the typical range ($5–$10 nationally)	At the national median$0.49 below the Alabama median	per month	—	Source
Overdraft & NSFVerified
Paid NSF Fees	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Alabama median	—	—	Source
NSF Fees	$30
ATM & CardVerified
Replacement DEBIT Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median$5 below the Alabama median	per item	—	Institution’s schedule
Wire TransfersVerified
Wire Transfers – Outgoing	$40Above the typical range ($20–$25 nationally)	$15 above the national median$20 above the Alabama median	—	—	Source
Wire Transfers – Incoming	$30
Check ServicesVerified
Official Check	$2Below the typical range ($3–$6 nationally)	$3 below the national median$3 below the Alabama median	—	—	Source
Money Orders ($1.00 with Draft Acct)	$2
Digital & ElectronicVerified
ACH Debit Return	$30Within the typical range ($15–$30 nationally)	$5 above the national median$5 above the Alabama median	—	—	Source
Electronic Bill Payment	$0
Account ServicesVerified
Levy/Garnishment processing	$50Within the typical range ($30–$87.50 nationally)	At the national medianAt the Alabama median	—	—	Source
Other FeesVerified
Statement Copy (fee per page)	$3Within the typical range ($2–$5 nationally)	At the national median$1 above the Alabama median	per item	—	Source

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

16 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$466.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$466.7M

Total deposits

$395.2M

Service charge income (year to date)

$2.0M

Fee income ratio

14.2%

Return on assets

1.30%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,356 published fee entries from 3,591 institutions

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