Appalachian Community Federal Credit Union

Headquarters: Kingsport, Tennessee
Charter: Credit Union
Assets: $182.8M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

Overdraft (OD)
Appalachian Community Federal Credit Union: $30
Appalachian Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Appalachian Community Federal Credit Union: $30
Appalachian Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Appalachian Community Federal Credit Union: $20
Appalachian Community Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Inactivity Fee (audience not stated, treated as personal)$10
per month
Account Research (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statement Fee (audience not stated, treated as personal)$2
per month

Overdraft & NSF

Overdraft Advance Fee (ACH, Card, or Check) (audience not stated, treated as personal)$30
per item
Insufficient Funds (NSF) Fee (ACH, Card, or Check) (audience not stated, treated as personal)$30
per item

ATM & Card

VISA Debit/Credit Card Replacement$10
per item

Wire Transfers

Wire Transfer Fee (Domestic) (audience not stated, treated as personal)$20
per item
Wire Transfer Fee (International)$50
per item

Check Services

Cashier Check (audience not stated, treated as personal)$5
per item
Money Order (audience not stated, treated as personal)$3
per item
Stop Payment (audience not stated, treated as personal)$30
per item
Counter Checks (audience not stated, treated as personal)$4
Not compared: Charged per page; comparison unavailable
per page
Non-Member Check Cashing (audience not stated, treated as personal)$5
per item
Duplicate Corporate Check Copy (audience not stated, treated as personal)$5
per item
Duplicate Member Check Copy (audience not stated, treated as personal)$5
per item

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)No charge
Deposited Item Return (audience not stated, treated as personal)$10
per item

Account Services

1 Lost key to Rekey$40
Not compared: Box drilling or key fee
per item
2 Lost Keys to Drill & Rekey (audience not stated, treated as personal)$150
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$60
per year
Safe Deposit Box 3X10$30
per year
Safe Deposit Box 3X5$20
per year
Safe Deposit Box 5X10 (audience not stated, treated as personal)$40
Tax, Levy/Legal Notice (audience not stated, treated as personal)$100
per item
Verification of Account (audience not stated, treated as personal)$10
per item

Other Fees

Statement Copy (audience not stated, treated as personal)$10

Fee	Amount	Basis	Note
Account Maintenance
Inactivity Fee (audience not stated, treated as personal)	$10	per month	None
Account Research (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statement Fee (audience not stated, treated as personal)	$2	per month	None
Overdraft & NSF
Overdraft Advance Fee (ACH, Card, or Check) (audience not stated, treated as personal)	$30	per item	None
Insufficient Funds (NSF) Fee (ACH, Card, or Check) (audience not stated, treated as personal)	$30	per item	None
ATM & Card
VISA Debit/Credit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer Fee (Domestic) (audience not stated, treated as personal)	$20	per item	None
Wire Transfer Fee (International)	$50	per item	None
Check Services
Cashier Check (audience not stated, treated as personal)	$5	per item	None
Money Order (audience not stated, treated as personal)	$3	per item	None
Stop Payment (audience not stated, treated as personal)	$30	per item	None
Counter Checks (audience not stated, treated as personal)	$4Not compared: Charged per page; comparison unavailable	per page	None
Non-Member Check Cashing (audience not stated, treated as personal)	$5	per item	None
Duplicate Corporate Check Copy (audience not stated, treated as personal)	$5	per item	None
Duplicate Member Check Copy (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	No charge	Not stated	None
Deposited Item Return (audience not stated, treated as personal)	$10	per item	None
Account Services
1 Lost key to Rekey	$40Not compared: Box drilling or key fee	per item	None
2 Lost Keys to Drill & Rekey (audience not stated, treated as personal)	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$60	per year	None
Safe Deposit Box 3X10	$30	per year	None
Safe Deposit Box 3X5	$20	per year	None
Safe Deposit Box 5X10 (audience not stated, treated as personal)	$40	Not stated	None
Tax, Levy/Legal Notice (audience not stated, treated as personal)	$100	per item	None
Verification of Account (audience not stated, treated as personal)	$10	per item	None
Other Fees
Statement Copy (audience not stated, treated as personal)	$10	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

Monthly Fee$10
per month

Wire Transfers

Wire Transfer Fee (International)$50
per item

Account Services

1 Lost key to Rekey$40
Not compared: Box drilling or key fee
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$10	per month	None
Wire Transfers
Wire Transfer Fee (International)	$50	per item	None
Account Services
1 Lost key to Rekey	$40Not compared: Box drilling or key fee	per item	None

Correct a fee source

Oct 11, 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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Fees against the market

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

Overdraft (OD)
Appalachian Community Federal Credit Union: $30
Appalachian Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Appalachian Community Federal Credit Union: $30
Appalachian Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Appalachian Community Federal Credit Union: $20
Appalachian Community Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, 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).
Tennessee: Banks and credit unions headquartered in Tennessee 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.

Published fee schedule

Amounts from Appalachian Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactivity Fee (audience not stated, treated as personal)$10
per month
Account Research (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statement Fee (audience not stated, treated as personal)$2
per month

Overdraft & NSF

Overdraft Advance Fee (ACH, Card, or Check) (audience not stated, treated as personal)$30
per item
Insufficient Funds (NSF) Fee (ACH, Card, or Check) (audience not stated, treated as personal)$30
per item

ATM & Card

VISA Debit/Credit Card Replacement$10
per item

Wire Transfers

Wire Transfer Fee (Domestic) (audience not stated, treated as personal)$20
per item
Wire Transfer Fee (International)$50
per item

Check Services

Cashier Check (audience not stated, treated as personal)$5
per item
Money Order (audience not stated, treated as personal)$3
per item
Stop Payment (audience not stated, treated as personal)$30
per item
Counter Checks (audience not stated, treated as personal)$4
Not compared: Charged per page; comparison unavailable
per page
Non-Member Check Cashing (audience not stated, treated as personal)$5
per item
Duplicate Corporate Check Copy (audience not stated, treated as personal)$5
per item
Duplicate Member Check Copy (audience not stated, treated as personal)$5
per item

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)No charge
Deposited Item Return (audience not stated, treated as personal)$10
per item

Account Services

1 Lost key to Rekey$40
Not compared: Box drilling or key fee
per item
2 Lost Keys to Drill & Rekey (audience not stated, treated as personal)$150
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$60
per year
Safe Deposit Box 3X10$30
per year
Safe Deposit Box 3X5$20
per year
Safe Deposit Box 5X10 (audience not stated, treated as personal)$40
Tax, Levy/Legal Notice (audience not stated, treated as personal)$100
per item
Verification of Account (audience not stated, treated as personal)$10
per item

Other Fees

Statement Copy (audience not stated, treated as personal)$10

Fee	Amount	Basis	Note
Account Maintenance
Inactivity Fee (audience not stated, treated as personal)	$10	per month	None
Account Research (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statement Fee (audience not stated, treated as personal)	$2	per month	None
Overdraft & NSF
Overdraft Advance Fee (ACH, Card, or Check) (audience not stated, treated as personal)	$30	per item	None
Insufficient Funds (NSF) Fee (ACH, Card, or Check) (audience not stated, treated as personal)	$30	per item	None
ATM & Card
VISA Debit/Credit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer Fee (Domestic) (audience not stated, treated as personal)	$20	per item	None
Wire Transfer Fee (International)	$50	per item	None
Check Services
Cashier Check (audience not stated, treated as personal)	$5	per item	None
Money Order (audience not stated, treated as personal)	$3	per item	None
Stop Payment (audience not stated, treated as personal)	$30	per item	None
Counter Checks (audience not stated, treated as personal)	$4Not compared: Charged per page; comparison unavailable	per page	None
Non-Member Check Cashing (audience not stated, treated as personal)	$5	per item	None
Duplicate Corporate Check Copy (audience not stated, treated as personal)	$5	per item	None
Duplicate Member Check Copy (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	No charge	Not stated	None
Deposited Item Return (audience not stated, treated as personal)	$10	per item	None
Account Services
1 Lost key to Rekey	$40Not compared: Box drilling or key fee	per item	None
2 Lost Keys to Drill & Rekey (audience not stated, treated as personal)	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$60	per year	None
Safe Deposit Box 3X10	$30	per year	None
Safe Deposit Box 3X5	$20	per year	None
Safe Deposit Box 5X10 (audience not stated, treated as personal)	$40	Not stated	None
Tax, Levy/Legal Notice (audience not stated, treated as personal)	$100	per item	None
Verification of Account (audience not stated, treated as personal)	$10	per item	None
Other Fees
Statement Copy (audience not stated, treated as personal)	$10	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

Monthly Fee$10
per month

Wire Transfers

Wire Transfer Fee (International)$50
per item

Account Services

1 Lost key to Rekey$40
Not compared: Box drilling or key fee
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$10	per month	None
Wire Transfers
Wire Transfer Fee (International)	$50	per item	None
Account Services
1 Lost key to Rekey	$40Not compared: Box drilling or key fee	per item	None

Correct a fee source

Oct 11, 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.