Spirit Of Alaska Federal Credit Union

Headquarters: Fairbanks, Alaska
Charter: Credit Union
Assets: $200.5M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 7, 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
Compared at $7.50, the middle of its prices
Spirit Of Alaska Federal Credit Union: $5 to $10
Spirit Of Alaska Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Spirit Of Alaska Federal Credit Union: $30
Spirit Of Alaska Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Spirit Of Alaska Federal Credit Union: $30
Spirit Of Alaska Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

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

Account Maintenance

Monthly maintenance fee$10
per month
Simple Checking Maintenance Monthly service charge (audience not stated, treated as personal)$5
per month
Early Account Closure (within 180 days)$25
Dormant Account$5
Dormant Account (per month)$3
per month
Escheatment Fee$75
Account Research (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Excessive Withdrawal Fee$10
Bad Address (per month)$10
per month

Overdraft & NSF

Courtesy Pay fee per overdraft transaction$30
per item
NSF/Courtesty Pay Fee$30
Continuous Negative Balance (per day)$3
per day

ATM & Card

International Service Assessment1%

Wire Transfers

Wires - Outgoing (audience not stated, treated as personal)$25
Wires - Incoming (audience not stated, treated as personal)$10

Check Services

Cashiers Checks$5
Money Orders$3
Stop Payment (audience not stated, treated as personal)$30
Counter Checks$2
per item
Collection Items$25
Check Copies (plus account research fee)$5

Account Services

Drilling (audience not stated, treated as personal)$100
Not compared: Box drilling or key fee
per item
Levy Fees$75

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Invalid Tax ID: Payoff Processing Fee$50
Loan Skip Payment Fee$50
Loan Skip Payment Fee$100
Reconveyance Fee$125

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$10	per month	None
Simple Checking Maintenance Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Early Account Closure (within 180 days)	$25	Not stated	None
Dormant Account	$5	Not stated	None
Dormant Account (per month)	$3	per month	None
Escheatment Fee	$75	Not stated	None
Account Research (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Excessive Withdrawal Fee	$10	Not stated	None
Bad Address (per month)	$10	per month	None
Overdraft & NSF
Courtesy Pay fee per overdraft transaction	$30	per item	None
NSF/Courtesty Pay Fee	$30	Not stated	None
Continuous Negative Balance (per day)	$3	per day	None
ATM & Card
International Service Assessment	1%	Not stated	None
Wire Transfers
Wires - Outgoing (audience not stated, treated as personal)	$25	Not stated	None
Wires - Incoming (audience not stated, treated as personal)	$10	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment (audience not stated, treated as personal)	$30	Not stated	None
Counter Checks	$2	per item	None
Collection Items	$25	Not stated	None
Check Copies (plus account research fee)	$5	Not stated	None
Account Services
Drilling (audience not stated, treated as personal)	$100Not compared: Box drilling or key fee	per item	None
Levy Fees	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Invalid Tax ID: Payoff Processing Fee	$50	Not stated	None
Loan Skip Payment Fee	$50	Not stated	None
Loan Skip Payment Fee	$100	Not stated	None
Reconveyance Fee	$125	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

Early Account Closure (within 180 days)$25
Dormant Account (per month)$3
per month
Escheatment Fee$75
Account Research (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Excessive Withdrawal Fee$10
Bad Address (per month)$10
per month

Overdraft & NSF

NSF/Courtesty Pay Fee$30
Continuous Negative Balance (per day)$3
per day

Check Services

Cashiers Checks$5
Money Orders$3
Counter Checks$2
per item
Collection Items$25
Check Copies (plus account research fee)$5

Account Services

Levy Fees$75

Lending Fees

Uniform Commercial Code Removal Fee$10
per item

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Invalid Tax ID: Payoff Processing Fee$50
Loan Skip Payment Fee$50
Loan Skip Payment Fee$100
Reconveyance Fee$125

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within 180 days)	$25	Not stated	None
Dormant Account (per month)	$3	per month	None
Escheatment Fee	$75	Not stated	None
Account Research (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Excessive Withdrawal Fee	$10	Not stated	None
Bad Address (per month)	$10	per month	None
Overdraft & NSF
NSF/Courtesty Pay Fee	$30	Not stated	None
Continuous Negative Balance (per day)	$3	per day	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Counter Checks	$2	per item	None
Collection Items	$25	Not stated	None
Check Copies (plus account research fee)	$5	Not stated	None
Account Services
Levy Fees	$75	Not stated	None
Lending Fees
Uniform Commercial Code Removal Fee	$10	per item	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Invalid Tax ID: Payoff Processing Fee	$50	Not stated	None
Loan Skip Payment Fee	$50	Not stated	None
Loan Skip Payment Fee	$100	Not stated	None
Reconveyance Fee	$125	Not stated	None

Correct a fee source

Oct 7, 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 Spirit Of Alaska Federal Credit Union's nsf / returned item changes in our data

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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 $7.50, the middle of its prices
Spirit Of Alaska Federal Credit Union: $5 to $10
Spirit Of Alaska Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Spirit Of Alaska Federal Credit Union: $30
Spirit Of Alaska Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Spirit Of Alaska Federal Credit Union: $30
Spirit Of Alaska Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 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).
Alaska: Banks and credit unions headquartered in Alaska 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.

Published fee schedule

Amounts from Spirit Of Alaska Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$10
per month
Simple Checking Maintenance Monthly service charge (audience not stated, treated as personal)$5
per month
Early Account Closure (within 180 days)$25
Dormant Account$5
Dormant Account (per month)$3
per month
Escheatment Fee$75
Account Research (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Excessive Withdrawal Fee$10
Bad Address (per month)$10
per month

Overdraft & NSF

Courtesy Pay fee per overdraft transaction$30
per item
NSF/Courtesty Pay Fee$30
Continuous Negative Balance (per day)$3
per day

ATM & Card

International Service Assessment1%

Wire Transfers

Wires - Outgoing (audience not stated, treated as personal)$25
Wires - Incoming (audience not stated, treated as personal)$10

Check Services

Cashiers Checks$5
Money Orders$3
Stop Payment (audience not stated, treated as personal)$30
Counter Checks$2
per item
Collection Items$25
Check Copies (plus account research fee)$5

Account Services

Drilling (audience not stated, treated as personal)$100
Not compared: Box drilling or key fee
per item
Levy Fees$75

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Invalid Tax ID: Payoff Processing Fee$50
Loan Skip Payment Fee$50
Loan Skip Payment Fee$100
Reconveyance Fee$125

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$10	per month	None
Simple Checking Maintenance Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Early Account Closure (within 180 days)	$25	Not stated	None
Dormant Account	$5	Not stated	None
Dormant Account (per month)	$3	per month	None
Escheatment Fee	$75	Not stated	None
Account Research (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Excessive Withdrawal Fee	$10	Not stated	None
Bad Address (per month)	$10	per month	None
Overdraft & NSF
Courtesy Pay fee per overdraft transaction	$30	per item	None
NSF/Courtesty Pay Fee	$30	Not stated	None
Continuous Negative Balance (per day)	$3	per day	None
ATM & Card
International Service Assessment	1%	Not stated	None
Wire Transfers
Wires - Outgoing (audience not stated, treated as personal)	$25	Not stated	None
Wires - Incoming (audience not stated, treated as personal)	$10	Not stated	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment (audience not stated, treated as personal)	$30	Not stated	None
Counter Checks	$2	per item	None
Collection Items	$25	Not stated	None
Check Copies (plus account research fee)	$5	Not stated	None
Account Services
Drilling (audience not stated, treated as personal)	$100Not compared: Box drilling or key fee	per item	None
Levy Fees	$75	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Invalid Tax ID: Payoff Processing Fee	$50	Not stated	None
Loan Skip Payment Fee	$50	Not stated	None
Loan Skip Payment Fee	$100	Not stated	None
Reconveyance Fee	$125	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

Early Account Closure (within 180 days)$25
Dormant Account (per month)$3
per month
Escheatment Fee$75
Account Research (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
Excessive Withdrawal Fee$10
Bad Address (per month)$10
per month

Overdraft & NSF

NSF/Courtesty Pay Fee$30
Continuous Negative Balance (per day)$3
per day

Check Services

Cashiers Checks$5
Money Orders$3
Counter Checks$2
per item
Collection Items$25
Check Copies (plus account research fee)$5

Account Services

Levy Fees$75

Lending Fees

Uniform Commercial Code Removal Fee$10
per item

Retirement & IRA

IRA Transfer Fee$25

Other Fees

Invalid Tax ID: Payoff Processing Fee$50
Loan Skip Payment Fee$50
Loan Skip Payment Fee$100
Reconveyance Fee$125

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (within 180 days)	$25	Not stated	None
Dormant Account (per month)	$3	per month	None
Escheatment Fee	$75	Not stated	None
Account Research (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	Not stated	None
Excessive Withdrawal Fee	$10	Not stated	None
Bad Address (per month)	$10	per month	None
Overdraft & NSF
NSF/Courtesty Pay Fee	$30	Not stated	None
Continuous Negative Balance (per day)	$3	per day	None
Check Services
Cashiers Checks	$5	Not stated	None
Money Orders	$3	Not stated	None
Counter Checks	$2	per item	None
Collection Items	$25	Not stated	None
Check Copies (plus account research fee)	$5	Not stated	None
Account Services
Levy Fees	$75	Not stated	None
Lending Fees
Uniform Commercial Code Removal Fee	$10	per item	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Other Fees
Invalid Tax ID: Payoff Processing Fee	$50	Not stated	None
Loan Skip Payment Fee	$50	Not stated	None
Loan Skip Payment Fee	$100	Not stated	None
Reconveyance Fee	$125	Not stated	None

Correct a fee source

Oct 7, 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.