Apl Federal Credit Union

Headquarters: Laurel, Maryland
Charter: Credit Union
Assets: $723.6M
Fed district: Richmond

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

NSF / Returned Item
Apl Federal Credit Union: $15
Apl Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
Apl Federal Credit Union: $1
Apl Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Apl Federal Credit Union: $10
Apl Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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

Account Maintenance

Escheatment Fee (per membership)$50
Membership Inactivity Fee (per month after 24 months of inactivity)$5
per month
Excess Withdrawal Transaction Fee (Money Market account) Details$10
Bad Address/Returned Mail Handling Fee (per piece)$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Returned Item (NSF)$15
Continuous Overdraft$15
per day
Savings Overdraft Transfer$5

ATM & Card

Balance Inquiry at Non-Proprietary ATM$1
Card Replacement Fee$5

Wire Transfers

Domestic Wire Transfer (eBranch form)$10
Foreign Wire Transfer (eBranch form)$40

Check Services

Certified Check$2
Official Check$3
Money Orders$1
Stop Payment Fee$15
Cancelled Check Copy (Free through Digital Banking)$1.50
Copy of Deposit Item$1.50
Official Check Copy$5

Digital & Electronic

Express Pay (same-day electronic bill payment)$9.95

Cash & Deposit

Coin counting10%

Account Services

Safe Deposit Box 3″ x 5″$20
Levy/Garnishment Processing (per case)$75
Subpoena Processing / Account Reconcilement (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour · Subpoena Processing / Account Reconcilement (per hour) | $20

Lending Fees

Visa Late Fee5%
Visa Late Fee (audience not stated, treated as personal)5%

Gift & Prepaid Cards

Visa® Gift Card (In Branch purchase $25 – $1,000)$4.95

Other Fees

Statement Copy (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page · Statement Copy (per page) | $0.50
Returned Loan Payment$15

Fee	Amount	Basis	Note
Account Maintenance
Escheatment Fee (per membership)	$50	Not stated	None
Membership Inactivity Fee (per month after 24 months of inactivity)	$5	per month	None
Excess Withdrawal Transaction Fee (Money Market account) Details	$10	Not stated	None
Bad Address/Returned Mail Handling Fee (per piece)	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Returned Item (NSF)	$15	Not stated	None
Continuous Overdraft	$15	per day	None
Savings Overdraft Transfer	$5	Not stated	None
ATM & Card
Balance Inquiry at Non-Proprietary ATM	$1	Not stated	None
Card Replacement Fee	$5	Not stated	None
Wire Transfers
Domestic Wire Transfer (eBranch form)	$10	Not stated	None
Foreign Wire Transfer (eBranch form)	$40	Not stated	None
Check Services
Certified Check	$2	Not stated	None
Official Check	$3	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment Fee	$15	Not stated	None
Cancelled Check Copy (Free through Digital Banking)	$1.50	Not stated	None
Copy of Deposit Item	$1.50	Not stated	None
Official Check Copy	$5	Not stated	None
Digital & Electronic
Express Pay (same-day electronic bill payment)	$9.95	Not stated	None
Cash & Deposit
Coin counting	10%	Not stated	None
Account Services
Safe Deposit Box 3″ x 5″	$20	Not stated	None
Levy/Garnishment Processing (per case)	$75	Not stated	None
Subpoena Processing / Account Reconcilement (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	Subpoena Processing / Account Reconcilement (per hour) \| $20
Lending Fees
Visa Late Fee	5%	Not stated	None
Visa Late Fee (audience not stated, treated as personal)	5%	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card (In Branch purchase $25 – $1,000)	$4.95	Not stated	None
Other Fees
Statement Copy (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	Statement Copy (per page) \| $0.50
Returned Loan Payment	$15	Not stated	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 19, 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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