America'S Credit Union, A

Headquarters: DuPont, Washington
Charter: Credit Union
Assets: $709.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 18, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7, the middle of its prices
America'S Credit Union, A: $3.99 to $10.95
America'S Credit Union, A: $3.99 to $10.95
U.S. median: no median
Overdraft (OD)
America'S Credit Union, A: $30
America'S Credit Union, A: $30
U.S. median: no median
NSF / Returned Item
Compared at $30, the middle of its prices
America'S Credit Union, A: $0 to $30
America'S Credit Union, A: $0 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco 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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 America'S Credit Union, A’s own schedules, with a source for each figure.

Account Maintenance

Affinity Plus Checking Monthly Service Charge$7
per month
Community Checking Monthly Service Charge. Available through Certified Financial Counseling Agencies$3.99
per month
Monthly fee$10.95
per month
Monthly Fee$7
per month
Opportunity Checking has a monthly fee$8.95
per month
Account Closed within 3 months of opening$15
Checking Account Closure Fee. Initiated by Credit Union$25
Checking Account Closure Fee. With outstanding items$5
Dormant Account Fee. Monthly fee on dormant accounts; no account activity for over 1 year$15
per month
Account Reconciliation/Research Fee$25
Not compared: Monthly charge, not per item
per month
Locator Fee. Research work for locating membership. Per occurrence$15
per item
Paper Statement Fee. Per statement cycle$3
per month
Returned Mail Fee. Per month$9.95
per month

Overdraft & NSF

Overdraft Fee per occurrence. Check draft, in-person withdrawal, ATM withdrawal, or other electronic means$30
per item
Return Check FeeNo charge
Returned Item Fee – All Checking Account Programs$30
Returned Item Fee. Per occurrence$30
per item
Transfer Fee. From any share account to cover an overdraft$5
Not compared: Monthly charge, not per item
per month

ATM & Card

Debit Card Replacement Fee$5
Replacement Card$5
per item
Foreign TransactionNo charge

Wire Transfers

Money Wire Service. Outgoing – Financial Institution to Financial Institution$25

Check Services

Money Order Purchase Fee. Money Order valid for 3 months$3
ACH and Bill Payment One Time Stop Payment Fee$25
one time
Credit Union/Money Order Stop Payment Fee. Valid for 6 months or until canceled per order$25
per item

Digital & Electronic

Loan Pay – Online Services (not bill pay)$10
Not compared: Per-transaction charge, not monthly
per transaction

Cash & Deposit

Cash AdvanceNo charge

Account Services

Notary Fee, MemberNo charge
Notary Fee, Non-Member, per stamp$10
per item
FOREIGN CURRENCY FEES | 3 x 5$20
Replacement Key$20
Not compared: Box drilling or key fee
Legal Action Fee. Processing for garnishments, levies and all other legal actions served. Per item$75
per item

Lending Fees

Late Payment$40
per item

Other Fees

Photocopy Fee$1
Not compared: Monthly charge, not per item
per month
Price varies: Facsimile (fax). Per page, local$1
per item
Loan Modification Fee. Per occurrence$35
per item
Skip-A-Payment Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Affinity Plus Checking Monthly Service Charge	$7	per month	None
Community Checking Monthly Service Charge. Available through Certified Financial Counseling Agencies	$3.99	per month	None
Monthly fee	$10.95	per month	None
Monthly Fee	$7	per month	None
Opportunity Checking has a monthly fee	$8.95	per month	None
Account Closed within 3 months of opening	$15	Not stated	None
Checking Account Closure Fee. Initiated by Credit Union	$25	Not stated	None
Checking Account Closure Fee. With outstanding items	$5	Not stated	None
Dormant Account Fee. Monthly fee on dormant accounts; no account activity for over 1 year	$15	per month	None
Account Reconciliation/Research Fee	$25Not compared: Monthly charge, not per item	per month	None
Locator Fee. Research work for locating membership. Per occurrence	$15	per item	None
Paper Statement Fee. Per statement cycle	$3	per month	None
Returned Mail Fee. Per month	$9.95	per month	None
Overdraft & NSF
Overdraft Fee per occurrence. Check draft, in-person withdrawal, ATM withdrawal, or other electronic means	$30	per item	None
Return Check Fee	No charge	Not stated	None
Returned Item Fee – All Checking Account Programs	$30	Not stated	None
Returned Item Fee. Per occurrence	$30	per item	None
Transfer Fee. From any share account to cover an overdraft	$5Not compared: Monthly charge, not per item	per month	None
ATM & Card
Debit Card Replacement Fee	$5	Not stated	None
Replacement Card	$5	per item	None
Foreign Transaction	No charge	Not stated	None
Wire Transfers
Money Wire Service. Outgoing – Financial Institution to Financial Institution	$25	Not stated	None
Check Services
Money Order Purchase Fee. Money Order valid for 3 months	$3	Not stated	None
ACH and Bill Payment One Time Stop Payment Fee	$25	one time	None
Credit Union/Money Order Stop Payment Fee. Valid for 6 months or until canceled per order	$25	per item	None
Digital & Electronic
Loan Pay – Online Services (not bill pay)	$10Not compared: Per-transaction charge, not monthly	per transaction	None
Cash & Deposit
Cash Advance	No charge	Not stated	None
Account Services
Notary Fee, Member	No charge	Not stated	None
Notary Fee, Non-Member, per stamp	$10	per item	None
FOREIGN CURRENCY FEES \| 3 x 5	$20	Not stated	None
Replacement Key	$20Not compared: Box drilling or key fee	Not stated	None
Legal Action Fee. Processing for garnishments, levies and all other legal actions served. Per item	$75	per item	None
Lending Fees
Late Payment	$40	per item	None
Other Fees
Photocopy Fee	$1Not compared: Monthly charge, not per item	per month	None
Price varies: Facsimile (fax). Per page, local	$1	per item	None
Loan Modification Fee. Per occurrence	$35	per item	None
Skip-A-Payment Fee	$30	Not stated	None

Correct a fee source

Oct 18, 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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