Alloy Federal Credit Union

Headquarters: Alloy, West Virginia
Charter: Credit Union
Assets: $29.6M
Fed district: Richmond

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

NSF / Returned Item
Alloy Federal Credit Union: $30
Alloy Federal Credit Union: $30
U.S. median: no median
Stop Payment
Alloy Federal Credit Union: $30
Alloy Federal Credit Union: $30
U.S. median: no median
Debit Card Replacement
Alloy Federal Credit Union: $30
Alloy 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 17, 2026View sources

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

Overdraft & NSF

Debit Card NSF Fee$30
per item
Share Draft NSF Fee$30
per item

ATM & Card

Debit Card Replacement$30

Check Services

Share Draft Stop Payment Fee$30

Lending Fees

Late Payment After 15 Days5%($30 maximum)
Late Payment After 15 Days (audience not stated, treated as personal)5%($30 maximum)

Other Fees

Loan Processing Fee$30

Fee	Amount	Basis	Note
Overdraft & NSF
Debit Card NSF Fee	$30	per item	None
Share Draft NSF Fee	$30	per item	None
ATM & Card
Debit Card Replacement	$30	Not stated	None
Check Services
Share Draft Stop Payment Fee	$30	Not stated	None
Lending Fees
Late Payment After 15 Days	5%($30 maximum)	Not stated	None
Late Payment After 15 Days (audience not stated, treated as personal)	5%($30 maximum)	Not stated	None
Other Fees
Loan Processing 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

Oct 17, 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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