Aod Federal Credit Union

Headquarters: Bynum, Alabama
Charter: Credit Union
Assets: $466.7M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

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

Overdraft (OD)
Aod Federal Credit Union: $30
Aod Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Aod Federal Credit Union: $30
Aod Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Aod Federal Credit Union: $40
Aod Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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

Account Maintenance

If there is no transaction activity on your share and/or share draft account for a period of twelve (12) months and AOD$5
per month
Research/Statement Reconcilement$15
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail$2.50

Overdraft & NSF

Paid NSF Fees (audience not stated, treated as personal)$30
NSF Fees (audience not stated, treated as personal)$30

ATM & Card

Replacement DEBIT Card$5
per item

Wire Transfers

Wire Transfers – Outgoing$40
Wire Transfers – Incoming$30

Check Services

Official Check (audience not stated, treated as personal)$2
Money Orders ($1.00 with Draft Acct)$2
Stop Payment (audience not stated, treated as personal)$25
Counter Check$0.50
Check Copies (each) (audience not stated, treated as personal)$3
per item

Digital & Electronic

ACH Debit Return (audience not stated, treated as personal)$30
Electronic Bill PaymentNo charge

Account Services

Levy/Garnishment processing$50

Other Fees

Fax User Fees (Outgoing Only): First Page$1
per item
History Statement Printout (fee per monthly statement)$3
Not compared: Monthly charge, not per item
per month
Statement Copy (fee per page)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
If there is no transaction activity on your share and/or share draft account for a period of twelve (12) months and AOD	$5	per month	None
Research/Statement Reconcilement	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail	$2.50	Not stated	None
Overdraft & NSF
Paid NSF Fees (audience not stated, treated as personal)	$30	Not stated	None
NSF Fees (audience not stated, treated as personal)	$30	Not stated	None
ATM & Card
Replacement DEBIT Card	$5	per item	None
Wire Transfers
Wire Transfers – Outgoing	$40	Not stated	None
Wire Transfers – Incoming	$30	Not stated	None
Check Services
Official Check (audience not stated, treated as personal)	$2	Not stated	None
Money Orders ($1.00 with Draft Acct)	$2	Not stated	None
Stop Payment (audience not stated, treated as personal)	$25	Not stated	None
Counter Check	$0.50	Not stated	None
Check Copies (each) (audience not stated, treated as personal)	$3	per item	None
Digital & Electronic
ACH Debit Return (audience not stated, treated as personal)	$30	Not stated	None
Electronic Bill Payment	No charge	Not stated	None
Account Services
Levy/Garnishment processing	$50	Not stated	None
Other Fees
Fax User Fees (Outgoing Only): First Page	$1	per item	None
History Statement Printout (fee per monthly statement)	$3Not compared: Monthly charge, not per item	per month	None
Statement Copy (fee per page)	$3	per item	None

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

Correct a fee source

Oct 31, 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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