705 Federal Credit Union

Headquarters: Lafayette, Louisiana
Charter: Credit Union
Assets: $43.0M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 25, 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
Bounce Back Checking
705 Federal Credit Union: $10
705 Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Compared at $27, its standard fee, the highest of its prices
705 Federal Credit Union: $25 to $27
705 Federal Credit Union: $25 to $27
U.S. median: no median
Non-Network ATM
Compared at $1.88, the middle of its prices
705 Federal Credit Union: $0.75 to $3
705 Federal Credit Union: $0.75 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta 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).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 705 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Bounce Back Checking Monthly service charge$10
per month
Early Closing Fee if Savings Account is Closed Before 6 Months After Opening$25
Dormant Account Fee$5
per month
Dormant Fee$10
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation/ Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Regular Share Account Excessive Withdrawal$5
per item
Returned Mail$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee$25
per item
Courtesy Pay Fee$27
per item
Overdraft Transfer from Line Of Credit$10
per item
Overdraft Transfer from Loan$5
per item
Overdraft Transfer from Share Savings$15
per item

ATM & Card

ATM Inquiry$0.75
ATM Surcharge$3
Debit Card Replacement$15
per item
Card Rush$50
per item

Wire Transfers

Domestic Wire$25
per item
Incoming Domestic Wire$15
per item

Check Services

Official Checks$10
per item
Money Order$2
per item
Money Order$4
per item
Stop Payment$25
per item
Counter Checks$4
per item
Counter Checks$3
per item
Check Copy$5
per item

Cash & Deposit

Return Deposit Item$10

Account Services

Notary Fee$25
Notary Fee$20
Safe Deposit Box 10” x 10”$85
per year
Safe Deposit Box 3” x 10”$45
per year
Safe Deposit Box 3” x 5”$25
per year
Safe Deposit Box 5” x 10”$65
per year
Garnishment Fee$25
Tax Levy$25
Verification of Deposit$10

Retirement & IRA

IRA Account Close Out$25

Gift & Prepaid Cards

Gift Cards$2
per item

Other Fees

Fax$2
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5
per item
Statement Copy$4
per item
Loan Processing Fee$30
Satisfaction of Lien$25
Satisfaction of Mortgage$20

Fee	Amount	Basis	Note
Account Maintenance
Bounce Back Checking Monthly service charge	$10	per month	None
Early Closing Fee if Savings Account is Closed Before 6 Months After Opening	$25	Not stated	None
Dormant Account Fee	$5	per month	None
Dormant Fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation/ Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Regular Share Account Excessive Withdrawal	$5	per item	None
Returned Mail	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee	$25	per item	None
Courtesy Pay Fee	$27	per item	None
Overdraft Transfer from Line Of Credit	$10	per item	None
Overdraft Transfer from Loan	$5	per item	None
Overdraft Transfer from Share Savings	$15	per item	None
ATM & Card
ATM Inquiry	$0.75	Not stated	None
ATM Surcharge	$3	Not stated	None
Debit Card Replacement	$15	per item	None
Card Rush	$50	per item	None
Wire Transfers
Domestic Wire	$25	per item	None
Incoming Domestic Wire	$15	per item	None
Check Services
Official Checks	$10	per item	None
Money Order	$2	per item	None
Money Order	$4	per item	None
Stop Payment	$25	per item	None
Counter Checks	$4	per item	None
Counter Checks	$3	per item	None
Check Copy	$5	per item	None
Cash & Deposit
Return Deposit Item	$10	Not stated	None
Account Services
Notary Fee	$25	Not stated	None
Notary Fee	$20	Not stated	None
Safe Deposit Box 10” x 10”	$85	per year	None
Safe Deposit Box 3” x 10”	$45	per year	None
Safe Deposit Box 3” x 5”	$25	per year	None
Safe Deposit Box 5” x 10”	$65	per year	None
Garnishment Fee	$25	Not stated	None
Tax Levy	$25	Not stated	None
Verification of Deposit	$10	Not stated	None
Retirement & IRA
IRA Account Close Out	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards	$2	per item	None
Other Fees
Fax	$2Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	per item	None
Statement Copy	$4	per item	None
Loan Processing Fee	$30	Not stated	None
Satisfaction of Lien	$25	Not stated	None
Satisfaction of Mortgage	$20	Not stated	None

Correct a fee source

Oct 25, 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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