North Alabama Educators Federal Credit Union

Headquarters: Huntsville, Alabama
Charter: Credit Union
Assets: $142.9M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

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

Overdraft (OD)
North Alabama Educators Federal Credit Union: $29
North Alabama Educators Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
North Alabama Educators Federal Credit Union: $29
North Alabama Educators Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
North Alabama Educators Federal Credit Union: $0.50 to $1
North Alabama Educators Federal Credit Union: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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

Account Maintenance

Minimum Balance Violations: Service Fee$2
per month
Dormant Fee$5
per month
Dormant Fee$10
per month
Escheat Fee$25
Balancing/Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Savings Withdrawals: Excess Withdrawal Fee$1
per item
Bad Address Fee: Bad Address Fee$10
per month

Overdraft & NSF

Overdraft Privilege - Items paid | Courtesy pay$29
per item
NSF Charge$29
per item

ATM & Card

ATM/Check Card Inquiries: Inquiry Fee$0.50
per item
ATM/Check Card Transfers: Transfer Fee$1
per item
ATM/Check Card Replacement: ATM/Debit Card$10
per item

Wire Transfers

Outgoing Wire Fee$15
per item
Incoming Wire fee$15
per item
International Wire: International Wire Fee$35
per item

Check Services

Cashier's Check: Cashier's Check Fee$3
per item
Non-Member Cashier's Check$5
per item
Official Check Fee$3
per item
Stop Pmt Fee$15
per item
Share Draft Copies Fee$3
per item

Digital & Electronic

Bill Pay & ZelleNo charge

Cash & Deposit

Chargeback Fee$25

Account Services

Notary ServiceNo charge
Legal Orders Fee$25

Gift & Prepaid Cards

MasterCard Gift Cards$3
per item

Other Fees

Faxing Service: Faxing Fee$3
per item
Statement Copies Fee$1
per item
Loan Modification Fee: Loan Modification Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Violations: Service Fee	$2	per month	None
Dormant Fee	$5	per month	None
Dormant Fee	$10	per month	None
Escheat Fee	$25	Not stated	None
Balancing/Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Savings Withdrawals: Excess Withdrawal Fee	$1	per item	None
Bad Address Fee: Bad Address Fee	$10	per month	None
Overdraft & NSF
Overdraft Privilege - Items paid \| Courtesy pay	$29	per item	None
NSF Charge	$29	per item	None
ATM & Card
ATM/Check Card Inquiries: Inquiry Fee	$0.50	per item	None
ATM/Check Card Transfers: Transfer Fee	$1	per item	None
ATM/Check Card Replacement: ATM/Debit Card	$10	per item	None
Wire Transfers
Outgoing Wire Fee	$15	per item	None
Incoming Wire fee	$15	per item	None
International Wire: International Wire Fee	$35	per item	None
Check Services
Cashier's Check: Cashier's Check Fee	$3	per item	None
Non-Member Cashier's Check	$5	per item	None
Official Check Fee	$3	per item	None
Stop Pmt Fee	$15	per item	None
Share Draft Copies Fee	$3	per item	None
Digital & Electronic
Bill Pay & Zelle	No charge	Not stated	None
Cash & Deposit
Chargeback Fee	$25	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Legal Orders Fee	$25	Not stated	None
Gift & Prepaid Cards
MasterCard Gift Cards	$3	per item	None
Other Fees
Faxing Service: Faxing Fee	$3	per item	None
Statement Copies Fee	$1	per item	None
Loan Modification Fee: Loan Modification Fee	$35	per item	None

Correct a fee source

Oct 31, 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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