Air Academy Federal Credit Union

Headquarters: Colorado Springs, Colorado
Charter: Credit Union
Assets: $810.4M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 26, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Basic Checking Fee $5 · Comeback Checking $10
Compared at $7.50, the middle of its prices
Air Academy Federal Credit Union: $5 to $10
Air Academy Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Air Academy Federal Credit Union: $32
Air Academy Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Air Academy Federal Credit Union: $32
Air Academy Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City 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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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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Among its peers

Air Academy Federal Credit Union · $810M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$776M to $842M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Air Academy Federal Credit Union(this institution)	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Northern California Federal Credit Union	Martinez, CA	$829M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
America'S Christian Federal Credit Union	Glendora, CA	$820M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bayer Heritage Federal Credit Union	New Martinsville, WV	$801M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caribe Federal Credit Union	San Juan, PR	$800M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Direct Federal Credit Union	Needham, MA	$795M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dover-Phila Federal Credit Union	Dover, OH	$813M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Family Trust Federal Credit Union	Rock Hill, SC	$805M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Credit Union	Chandler, AZ	$812M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Heritage Federal Credit Union	Corning, NY	$840M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Frontier Federal Credit Union	Idaho Falls, ID	$822M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Idb Global Federal Credit Union	Washington, DC	$842M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Intouch Federal Credit Union	Plano, TX	$837M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Liberty Bay Federal Credit Union	Braintree, MA	$827M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Institutes Of Health Federal Credit Union	Rockville, MD	$817M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Polish National Federal Credit Union	Chicopee, MA	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Reliant Community Federal Credit Union	Sodus, NY	$788M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sea Comm Federal Credit Union	Massena, NY	$777M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Smart Financial Federal Credit Union	Houston, TX	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Solarity Federal Credit Union	Yakima, WA	$804M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texell Federal Credit Union	Temple, TX	$801M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Federal Credit Union	Middletown, RI	$811M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
True Sky Federal Credit Union	Oklahoma City, OK	$778M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.23 (3%) below the median of similar-sized credit unions.

Compared at $7.50, the middle of its two prices, against a peer median of $7.73 among 16 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Air Academy Federal Credi…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Air Academy Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Fee Monthly service charge (audience not stated, treated as personal)$5
per month
Comeback Checking Fee$10
per month
Account Closure Fee (within 6 months of opening)$25
Dormant Account Fee$10
per month
Account Research Fee$40
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Research Fee | $40.00 per half hour
Paper Statement Fee$5
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee | $5.00 per statement
Bad Address Fee$10
per month

Overdraft & NSF

Premium Overdraft Service Fee (audience not stated, treated as personal)$32
per item
Non-Sufficient Funds (NSF) Fee$32
per item

ATM & Card

Non-AACU ATM$2
per item
Foreign Transaction Fee (Point of Sale)3%of the transaction
Foreign Transaction Fee (Point of Sale) (audience not stated, treated as personal)3%of the transaction

Wire Transfers

Wire Transfer - Domestic Fee$25
Wire Transfer - International Fee$55

Check Services

Official Check Fee$2
Stop Payment Fee$32
per item
Counter/Temporary Check (audience not stated, treated as personal)$1
Temporary Checks Fee (audience not stated, treated as personal)$1
per item · 4 checks for $1.00
Check Cashing- Non-Member Fee$15
per item
Foreign Item Deposit Fee$30
per item
Shared Draft Copy Fee$2

Cash & Deposit

Cash Advance Fee (each advance amount)3%of the advance ($10 minimum)
Cash Advance Fee (each advance amount) (audience not stated, treated as personal)3%of the advance ($10 minimum)

Account Services

Box Size 10" x 10" x 22"$150
per year
Box Size 3" x 10" x 22"$60
per year
Box Size 3" x 5" x 22"$30
per year
Box Size 5" x 10" x 22"$90
per year
Late Fee$25
Not compared: Box drilling or key fee
Lost Key$120
Not compared: Box drilling or key fee
Rekey and/or Drilling$325
Not compared: Box drilling or key fee
Safe Deposit Box$5
Not compared: Box drilling or key fee
per year
Safe Deposit Box Size 10" x 10" x 22" (audience not stated, treated as personal)$150
per year
Safe Deposit Box Size 3" x 10" x 22" (audience not stated, treated as personal)$60
per year
Safe Deposit Box Size 3" x 5" x 22" (audience not stated, treated as personal)$30
per year
Safe Deposit Box Size 5" x 10" x 22" (audience not stated, treated as personal)$90
per year
Levies/Garnishments Fee$85
Verification of Deposit Fee$15
per item

Lending Fees

Consumer Loan Late Payment Fee$15
Late Payment Fee (Consumer)$25
Late Payment Fee (Consumer/Business)$25

Other Fees

Loan Modification/Extension Fee$40
Skip-A-Pay Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Fee Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Comeback Checking Fee	$10	per month	None
Account Closure Fee (within 6 months of opening)	$25	Not stated	None
Dormant Account Fee	$10	per month	None
Account Research Fee	$40Not compared: Charged per half hour; comparison unavailable	per half hour	Account Research Fee \| $40.00 per half hour
Paper Statement Fee	$5Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee \| $5.00 per statement
Bad Address Fee	$10	per month	None
Overdraft & NSF
Premium Overdraft Service Fee (audience not stated, treated as personal)	$32	per item	None
Non-Sufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
Non-AACU ATM	$2	per item	None
Foreign Transaction Fee (Point of Sale)	3%of the transaction	Not stated	None
Foreign Transaction Fee (Point of Sale) (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic Fee	$25	Not stated	None
Wire Transfer - International Fee	$55	Not stated	None
Check Services
Official Check Fee	$2	Not stated	None
Stop Payment Fee	$32	per item	None
Counter/Temporary Check (audience not stated, treated as personal)	$1	Not stated	None
Temporary Checks Fee (audience not stated, treated as personal)	$1	per item	4 checks for $1.00
Check Cashing- Non-Member Fee	$15	per item	None
Foreign Item Deposit Fee	$30	per item	None
Shared Draft Copy Fee	$2	Not stated	None
Cash & Deposit
Cash Advance Fee (each advance amount)	3%of the advance ($10 minimum)	Not stated	None
Cash Advance Fee (each advance amount) (audience not stated, treated as personal)	3%of the advance ($10 minimum)	Not stated	None
Account Services
Box Size 10" x 10" x 22"	$150	per year	None
Box Size 3" x 10" x 22"	$60	per year	None
Box Size 3" x 5" x 22"	$30	per year	None
Box Size 5" x 10" x 22"	$90	per year	None
Late Fee	$25Not compared: Box drilling or key fee	Not stated	None
Lost Key	$120Not compared: Box drilling or key fee	Not stated	None
Rekey and/or Drilling	$325Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$5Not compared: Box drilling or key fee	per year	None
Safe Deposit Box Size 10" x 10" x 22" (audience not stated, treated as personal)	$150	per year	None
Safe Deposit Box Size 3" x 10" x 22" (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box Size 3" x 5" x 22" (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box Size 5" x 10" x 22" (audience not stated, treated as personal)	$90	per year	None
Levies/Garnishments Fee	$85	Not stated	None
Verification of Deposit Fee	$15	per item	None
Lending Fees
Consumer Loan Late Payment Fee	$15	Not stated	None
Late Payment Fee (Consumer)	$25	Not stated	None
Late Payment Fee (Consumer/Business)	$25	Not stated	None
Other Fees
Loan Modification/Extension Fee	$40	Not stated	None
Skip-A-Pay Fee	$35	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

Account Maintenance

Comeback Checking Fee$10
per month
Account Closure Fee (within 6 months of opening)$25
Dormant Account Fee$10
per month
Account Research Fee$40
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Research Fee | $40.00 per half hour
Paper Statement Fee$5
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee | $5.00 per statement
Bad Address Fee$10
per month

Overdraft & NSF

Non-Sufficient Funds (NSF) Fee$32
per item

ATM & Card

Non-AACU ATM$2
per item
Foreign Transaction Fee (Point of Sale)3%of the transaction

Wire Transfers

Wire Transfer - Domestic Fee$25
Wire Transfer - International Fee$55

Check Services

Official Check Fee$2
Stop Payment Fee$32
per item
Check Cashing- Non-Member Fee$15
per item
Foreign Item Deposit Fee$30
per item
Shared Draft Copy Fee$2

Digital & Electronic

Business ACH Collections Origination Service Fee$25
Not compared: Monthly charge, not per item
per month
Business ACH Payments Origination Service Fee$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Cash Advance Fee (each advance amount)3%of the advance ($10 minimum)

Account Services

Box Size 10" x 10" x 22"$150
per year
Box Size 3" x 10" x 22"$60
per year
Box Size 3" x 5" x 22"$30
per year
Box Size 5" x 10" x 22"$90
per year
Late Fee$25
Not compared: Box drilling or key fee
Lost Key$120
Not compared: Box drilling or key fee
Rekey and/or Drilling$325
Not compared: Box drilling or key fee
Safe Deposit Box$5
Not compared: Box drilling or key fee
per year
Levies/Garnishments Fee$85
Verification of Deposit Fee$15
per item

Lending Fees

Late Payment Fee (Business)$35
Late Payment Fee (Consumer/Business)$25

Other Fees

Loan Modification/Extension Fee$40
Skip-A-Pay Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Comeback Checking Fee	$10	per month	None
Account Closure Fee (within 6 months of opening)	$25	Not stated	None
Dormant Account Fee	$10	per month	None
Account Research Fee	$40Not compared: Charged per half hour; comparison unavailable	per half hour	Account Research Fee \| $40.00 per half hour
Paper Statement Fee	$5Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee \| $5.00 per statement
Bad Address Fee	$10	per month	None
Overdraft & NSF
Non-Sufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
Non-AACU ATM	$2	per item	None
Foreign Transaction Fee (Point of Sale)	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic Fee	$25	Not stated	None
Wire Transfer - International Fee	$55	Not stated	None
Check Services
Official Check Fee	$2	Not stated	None
Stop Payment Fee	$32	per item	None
Check Cashing- Non-Member Fee	$15	per item	None
Foreign Item Deposit Fee	$30	per item	None
Shared Draft Copy Fee	$2	Not stated	None
Digital & Electronic
Business ACH Collections Origination Service Fee	$25Not compared: Monthly charge, not per item	per month	None
Business ACH Payments Origination Service Fee	$25Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Cash Advance Fee (each advance amount)	3%of the advance ($10 minimum)	Not stated	None
Account Services
Box Size 10" x 10" x 22"	$150	per year	None
Box Size 3" x 10" x 22"	$60	per year	None
Box Size 3" x 5" x 22"	$30	per year	None
Box Size 5" x 10" x 22"	$90	per year	None
Late Fee	$25Not compared: Box drilling or key fee	Not stated	None
Lost Key	$120Not compared: Box drilling or key fee	Not stated	None
Rekey and/or Drilling	$325Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$5Not compared: Box drilling or key fee	per year	None
Levies/Garnishments Fee	$85	Not stated	None
Verification of Deposit Fee	$15	per item	None
Lending Fees
Late Payment Fee (Business)	$35	Not stated	None
Late Payment Fee (Consumer/Business)	$25	Not stated	None
Other Fees
Loan Modification/Extension Fee	$40	Not stated	None
Skip-A-Pay Fee	$35	Not stated	None

Correct a fee source

Oct 26, 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.

Fee change alerts

Get an email when Air Academy Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Basic Checking Fee $5 · Comeback Checking $10
Compared at $7.50, the middle of its prices
Air Academy Federal Credit Union: $5 to $10
Air Academy Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Air Academy Federal Credit Union: $32
Air Academy Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Air Academy Federal Credit Union: $32
Air Academy Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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.

Among its peers

Air Academy Federal Credit Union · $810M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$776M to $842M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Air Academy Federal Credit Union(this institution)	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Northern California Federal Credit Union	Martinez, CA	$829M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
America'S Christian Federal Credit Union	Glendora, CA	$820M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bayer Heritage Federal Credit Union	New Martinsville, WV	$801M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caribe Federal Credit Union	San Juan, PR	$800M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Direct Federal Credit Union	Needham, MA	$795M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dover-Phila Federal Credit Union	Dover, OH	$813M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Family Trust Federal Credit Union	Rock Hill, SC	$805M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Credit Union	Chandler, AZ	$812M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Heritage Federal Credit Union	Corning, NY	$840M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Frontier Federal Credit Union	Idaho Falls, ID	$822M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Idb Global Federal Credit Union	Washington, DC	$842M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Intouch Federal Credit Union	Plano, TX	$837M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Liberty Bay Federal Credit Union	Braintree, MA	$827M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Institutes Of Health Federal Credit Union	Rockville, MD	$817M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Polish National Federal Credit Union	Chicopee, MA	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Reliant Community Federal Credit Union	Sodus, NY	$788M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sea Comm Federal Credit Union	Massena, NY	$777M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Smart Financial Federal Credit Union	Houston, TX	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Solarity Federal Credit Union	Yakima, WA	$804M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texell Federal Credit Union	Temple, TX	$801M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Federal Credit Union	Middletown, RI	$811M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
True Sky Federal Credit Union	Oklahoma City, OK	$778M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.23 (3%) below the median of similar-sized credit unions.

Compared at $7.50, the middle of its two prices, against a peer median of $7.73 among 16 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Air Academy Federal Credi…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Air Academy Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Fee Monthly service charge (audience not stated, treated as personal)$5
per month
Comeback Checking Fee$10
per month
Account Closure Fee (within 6 months of opening)$25
Dormant Account Fee$10
per month
Account Research Fee$40
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Research Fee | $40.00 per half hour
Paper Statement Fee$5
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee | $5.00 per statement
Bad Address Fee$10
per month

Overdraft & NSF

Premium Overdraft Service Fee (audience not stated, treated as personal)$32
per item
Non-Sufficient Funds (NSF) Fee$32
per item

ATM & Card

Non-AACU ATM$2
per item
Foreign Transaction Fee (Point of Sale)3%of the transaction
Foreign Transaction Fee (Point of Sale) (audience not stated, treated as personal)3%of the transaction

Wire Transfers

Wire Transfer - Domestic Fee$25
Wire Transfer - International Fee$55

Check Services

Official Check Fee$2
Stop Payment Fee$32
per item
Counter/Temporary Check (audience not stated, treated as personal)$1
Temporary Checks Fee (audience not stated, treated as personal)$1
per item · 4 checks for $1.00
Check Cashing- Non-Member Fee$15
per item
Foreign Item Deposit Fee$30
per item
Shared Draft Copy Fee$2

Cash & Deposit

Cash Advance Fee (each advance amount)3%of the advance ($10 minimum)
Cash Advance Fee (each advance amount) (audience not stated, treated as personal)3%of the advance ($10 minimum)

Account Services

Box Size 10" x 10" x 22"$150
per year
Box Size 3" x 10" x 22"$60
per year
Box Size 3" x 5" x 22"$30
per year
Box Size 5" x 10" x 22"$90
per year
Late Fee$25
Not compared: Box drilling or key fee
Lost Key$120
Not compared: Box drilling or key fee
Rekey and/or Drilling$325
Not compared: Box drilling or key fee
Safe Deposit Box$5
Not compared: Box drilling or key fee
per year
Safe Deposit Box Size 10" x 10" x 22" (audience not stated, treated as personal)$150
per year
Safe Deposit Box Size 3" x 10" x 22" (audience not stated, treated as personal)$60
per year
Safe Deposit Box Size 3" x 5" x 22" (audience not stated, treated as personal)$30
per year
Safe Deposit Box Size 5" x 10" x 22" (audience not stated, treated as personal)$90
per year
Levies/Garnishments Fee$85
Verification of Deposit Fee$15
per item

Lending Fees

Consumer Loan Late Payment Fee$15
Late Payment Fee (Consumer)$25
Late Payment Fee (Consumer/Business)$25

Other Fees

Loan Modification/Extension Fee$40
Skip-A-Pay Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Fee Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Comeback Checking Fee	$10	per month	None
Account Closure Fee (within 6 months of opening)	$25	Not stated	None
Dormant Account Fee	$10	per month	None
Account Research Fee	$40Not compared: Charged per half hour; comparison unavailable	per half hour	Account Research Fee \| $40.00 per half hour
Paper Statement Fee	$5Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee \| $5.00 per statement
Bad Address Fee	$10	per month	None
Overdraft & NSF
Premium Overdraft Service Fee (audience not stated, treated as personal)	$32	per item	None
Non-Sufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
Non-AACU ATM	$2	per item	None
Foreign Transaction Fee (Point of Sale)	3%of the transaction	Not stated	None
Foreign Transaction Fee (Point of Sale) (audience not stated, treated as personal)	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic Fee	$25	Not stated	None
Wire Transfer - International Fee	$55	Not stated	None
Check Services
Official Check Fee	$2	Not stated	None
Stop Payment Fee	$32	per item	None
Counter/Temporary Check (audience not stated, treated as personal)	$1	Not stated	None
Temporary Checks Fee (audience not stated, treated as personal)	$1	per item	4 checks for $1.00
Check Cashing- Non-Member Fee	$15	per item	None
Foreign Item Deposit Fee	$30	per item	None
Shared Draft Copy Fee	$2	Not stated	None
Cash & Deposit
Cash Advance Fee (each advance amount)	3%of the advance ($10 minimum)	Not stated	None
Cash Advance Fee (each advance amount) (audience not stated, treated as personal)	3%of the advance ($10 minimum)	Not stated	None
Account Services
Box Size 10" x 10" x 22"	$150	per year	None
Box Size 3" x 10" x 22"	$60	per year	None
Box Size 3" x 5" x 22"	$30	per year	None
Box Size 5" x 10" x 22"	$90	per year	None
Late Fee	$25Not compared: Box drilling or key fee	Not stated	None
Lost Key	$120Not compared: Box drilling or key fee	Not stated	None
Rekey and/or Drilling	$325Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$5Not compared: Box drilling or key fee	per year	None
Safe Deposit Box Size 10" x 10" x 22" (audience not stated, treated as personal)	$150	per year	None
Safe Deposit Box Size 3" x 10" x 22" (audience not stated, treated as personal)	$60	per year	None
Safe Deposit Box Size 3" x 5" x 22" (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box Size 5" x 10" x 22" (audience not stated, treated as personal)	$90	per year	None
Levies/Garnishments Fee	$85	Not stated	None
Verification of Deposit Fee	$15	per item	None
Lending Fees
Consumer Loan Late Payment Fee	$15	Not stated	None
Late Payment Fee (Consumer)	$25	Not stated	None
Late Payment Fee (Consumer/Business)	$25	Not stated	None
Other Fees
Loan Modification/Extension Fee	$40	Not stated	None
Skip-A-Pay Fee	$35	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

Account Maintenance

Comeback Checking Fee$10
per month
Account Closure Fee (within 6 months of opening)$25
Dormant Account Fee$10
per month
Account Research Fee$40
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Research Fee | $40.00 per half hour
Paper Statement Fee$5
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee | $5.00 per statement
Bad Address Fee$10
per month

Overdraft & NSF

Non-Sufficient Funds (NSF) Fee$32
per item

ATM & Card

Non-AACU ATM$2
per item
Foreign Transaction Fee (Point of Sale)3%of the transaction

Wire Transfers

Wire Transfer - Domestic Fee$25
Wire Transfer - International Fee$55

Check Services

Official Check Fee$2
Stop Payment Fee$32
per item
Check Cashing- Non-Member Fee$15
per item
Foreign Item Deposit Fee$30
per item
Shared Draft Copy Fee$2

Digital & Electronic

Business ACH Collections Origination Service Fee$25
Not compared: Monthly charge, not per item
per month
Business ACH Payments Origination Service Fee$25
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Cash Advance Fee (each advance amount)3%of the advance ($10 minimum)

Account Services

Box Size 10" x 10" x 22"$150
per year
Box Size 3" x 10" x 22"$60
per year
Box Size 3" x 5" x 22"$30
per year
Box Size 5" x 10" x 22"$90
per year
Late Fee$25
Not compared: Box drilling or key fee
Lost Key$120
Not compared: Box drilling or key fee
Rekey and/or Drilling$325
Not compared: Box drilling or key fee
Safe Deposit Box$5
Not compared: Box drilling or key fee
per year
Levies/Garnishments Fee$85
Verification of Deposit Fee$15
per item

Lending Fees

Late Payment Fee (Business)$35
Late Payment Fee (Consumer/Business)$25

Other Fees

Loan Modification/Extension Fee$40
Skip-A-Pay Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Comeback Checking Fee	$10	per month	None
Account Closure Fee (within 6 months of opening)	$25	Not stated	None
Dormant Account Fee	$10	per month	None
Account Research Fee	$40Not compared: Charged per half hour; comparison unavailable	per half hour	Account Research Fee \| $40.00 per half hour
Paper Statement Fee	$5Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee \| $5.00 per statement
Bad Address Fee	$10	per month	None
Overdraft & NSF
Non-Sufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
Non-AACU ATM	$2	per item	None
Foreign Transaction Fee (Point of Sale)	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer - Domestic Fee	$25	Not stated	None
Wire Transfer - International Fee	$55	Not stated	None
Check Services
Official Check Fee	$2	Not stated	None
Stop Payment Fee	$32	per item	None
Check Cashing- Non-Member Fee	$15	per item	None
Foreign Item Deposit Fee	$30	per item	None
Shared Draft Copy Fee	$2	Not stated	None
Digital & Electronic
Business ACH Collections Origination Service Fee	$25Not compared: Monthly charge, not per item	per month	None
Business ACH Payments Origination Service Fee	$25Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Cash Advance Fee (each advance amount)	3%of the advance ($10 minimum)	Not stated	None
Account Services
Box Size 10" x 10" x 22"	$150	per year	None
Box Size 3" x 10" x 22"	$60	per year	None
Box Size 3" x 5" x 22"	$30	per year	None
Box Size 5" x 10" x 22"	$90	per year	None
Late Fee	$25Not compared: Box drilling or key fee	Not stated	None
Lost Key	$120Not compared: Box drilling or key fee	Not stated	None
Rekey and/or Drilling	$325Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box	$5Not compared: Box drilling or key fee	per year	None
Levies/Garnishments Fee	$85	Not stated	None
Verification of Deposit Fee	$15	per item	None
Lending Fees
Late Payment Fee (Business)	$35	Not stated	None
Late Payment Fee (Consumer/Business)	$25	Not stated	None
Other Fees
Loan Modification/Extension Fee	$40	Not stated	None
Skip-A-Pay Fee	$35	Not stated	None

Correct a fee source

Oct 26, 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.