American Spirit Federal Credit Union

Headquarters: Newark, Delaware
Charter: Credit Union
Assets: $67.6M
Fed district: Philadelphia

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Monthly Maintenance
Freedom Checking
American Spirit Federal Credit Union: $5
American Spirit Federal Credit Union: $5
U.S. median: no median
Stop Payment
American Spirit Federal Credit Union: $20
American Spirit Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Int'l Out)
American Spirit Federal Credit Union: $40
American Spirit Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Account Maintenance

Freedom Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Escheat Fee$100
Inactive Fee (Dormant)$5
per month
Check Book Balancing (Research)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$2
Not compared: Per-item charge, not monthly
per item

ATM & Card

Lost Card Fee$25
per item
Rush Card$75

Wire Transfers

International Wire Transfers$40

Check Services

Cashier Check$5
Stop Payment of Checks and ACHs$20
Copy of Paid Check$5
per item

Digital & Electronic

Internet Access/Bill Payer Service (nonactive)$4.95

Cash & Deposit

Deposited Check Returned (own account)$25
per item

Account Services

Drill Box Fee$150
Not compared: Box drilling or key fee
Duplicate Key$10
Not compared: Box drilling or key fee
I.R.S. Levy$75
Subordination of Mortgage Agreement$75

Lending Fees

Loan Payment Late Fee5%($5 minimum)
Loan Payment Late Fee (audience not stated, treated as personal)5%($5 minimum)

Retirement & IRA

IRA Annual Account Fee$15
per year
IRA Early Withdrawal Fee$10

Gift & Prepaid Cards

Visa Gift Card$3

Other Fees

Copy of Statement$5
Not compared: Monthly charge, not per item
per month
Fax (1st 3 pages)$2
Skip Payment Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Freedom Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Escheat Fee	$100	Not stated	None
Inactive Fee (Dormant)	$5	per month	None
Check Book Balancing (Research)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$2Not compared: Per-item charge, not monthly	per item	None
ATM & Card
Lost Card Fee	$25	per item	None
Rush Card	$75	Not stated	None
Wire Transfers
International Wire Transfers	$40	Not stated	None
Check Services
Cashier Check	$5	Not stated	None
Stop Payment of Checks and ACHs	$20	Not stated	None
Copy of Paid Check	$5	per item	None
Digital & Electronic
Internet Access/Bill Payer Service (nonactive)	$4.95	Not stated	None
Cash & Deposit
Deposited Check Returned (own account)	$25	per item	None
Account Services
Drill Box Fee	$150Not compared: Box drilling or key fee	Not stated	None
Duplicate Key	$10Not compared: Box drilling or key fee	Not stated	None
I.R.S. Levy	$75	Not stated	None
Subordination of Mortgage Agreement	$75	Not stated	None
Lending Fees
Loan Payment Late Fee	5%($5 minimum)	Not stated	None
Loan Payment Late Fee (audience not stated, treated as personal)	5%($5 minimum)	Not stated	None
Retirement & IRA
IRA Annual Account Fee	$15	per year	None
IRA Early Withdrawal Fee	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	Not stated	None
Other Fees
Copy of Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax (1st 3 pages)	$2	Not stated	None
Skip Payment Fee	$30	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

Nov 2, 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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