Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Acipco Federal Credit Union

Birmingham, AlabamaCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=account_research; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Account Research | $20.00/Hour; $20.00 minimum charge" · Source

Overdraft & NSFVerified

Courtesy Pay/Overdraft Protection$29Within the typical range ($20–$30 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=overdraft; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Courtesy Pay/Overdraft Protection | $29.00" · Source
Insufficient Funds$29Within the typical range ($25–$32 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=nsf; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Insufficient Funds | $29.00" · Source

Check ServicesVerified

Statement Copy/Check Copy$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=check_image; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Statement Copy/Check Copy | $3.00/Copy" · Source
Stop Payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=stop_payment; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Stop Payment | $20.00" · Source

Digital & ElectronicVerified

Bill Pay$0Within the typical range ($0–$12.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #2726. canonical_hint=bill_pay; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Bill Pay | FREE" · Source

Cash & DepositVerified

Cash Advance Fee$4.95Within the typical range ($3–$10 nationally)
$0.05 below the national median
Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=cash_advance; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Cash Advance Fee | $4.95" · Source

Account ServicesVerified

Notary$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #2726. canonical_hint=notary_fee; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Notary | FREE" · Source

Lending FeesVerified

VISA Late Payment Fee$20Within the typical range ($15–$26.50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=late_payment; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="VISA Late Payment Fee | $20.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=account_research; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Account Research \| $20.00/Hour; $20.00 minimum charge"	Source
Overdraft & NSFVerified
Courtesy Pay/Overdraft Protection	$29Within the typical range ($20–$30 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=overdraft; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Courtesy Pay/Overdraft Protection \| $29.00"	Source
Insufficient Funds
Check ServicesVerified
Statement Copy/Check Copy	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=check_image; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Statement Copy/Check Copy \| $3.00/Copy"	Source
Stop Payment	$20
Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$12.50 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #2726. canonical_hint=bill_pay; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Bill Pay \| FREE"	Source
Cash & DepositVerified
Cash Advance Fee	$4.95Within the typical range ($3–$10 nationally)	$0.05 below the national median	—	Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=cash_advance; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Cash Advance Fee \| $4.95"	Source
Account ServicesVerified
Notary	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	—	Knox read a free fee from Rosetta artifact #2726. canonical_hint=notary_fee; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="Notary \| FREE"	Source
Lending FeesVerified
VISA Late Payment Fee	$20Within the typical range ($15–$26.50 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2726. canonical_hint=late_payment; text_hash=e91eb5ff83c98c43f7fa2f0f9b6755e1c3015ea22d06e7c8dc727c376498d70f; excerpt="VISA Late Payment Fee \| $20.00"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $29

NSF fee is aligned with the national median

Total fees: 9 — leaner than most institutions

Verified fees

Under review

Assets

$221.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$221.5M

Total deposits

$191.3M

Service charge income (year to date)

$213K

Fee income ratio

3.7%

Return on assets

2.15%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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