Family Security Federal Credit Union

Headquarters: Decatur, Alabama
Charter: Credit Union
Assets: $1.1B
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Family Security Federal Credit Union: $27
Family Security Federal Credit Union: $27
U.S. median: no median
NSF / Returned Item
Family Security Federal Credit Union: $27
Family Security Federal Credit Union: $27
U.S. median: no median
Wire Transfer (Domestic Out)
Family Security Federal Credit Union: $15
Family Security Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Family Security Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee (Within 90 days of opening)$15
Dormant Account Fee (Mail undeliverable & 1 year without financial activity)$10
per month
Inactive Member$10
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $15.00 per hour
Account Research$15
Not compared: Annual charge, not per item
per year
Return Statement Fee$5

Overdraft & NSF

NSF/Overdraft (ACH, Checks, Bill Pay, etc.)$27
per item
NSF/Overdraft (ACH, Checks, Bill Pay, etc.)$27
per item
Overdraft Standard/Extended Privilege Fee$27
per item
Overdraft Advantage Transfer Fee$2
per item
Overdraft Transfer Fee$5

ATM & Card

Foreign transaction fee1%of the transaction
Foreign transaction fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer Fee - Domestic (Outgoing)$15
Wire Transfer Fee - International (Outgoing)$35

Check Services

Cashier’s Checks (Excludes members age 50 & older)$3
Money Orders$2
per item
Stop Payments$27
per item
Check Cashing Fee (Without compensating balance) (audience not stated, treated as personal)1%
Check Cashing Fee (Without compensating balance)1%
Negative Balance Collection Fee$15
Collection Items (Replacing NSF Checks)$5
Check Copies thru FSCU employee$3
per item
Check Copies thru myfscu.comNo charge

Digital & Electronic

NSF/Overdraft (ACH, Checks, Deposited Returned Item, etc.)$27
per item

Account Services

Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$95
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$30
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$45
Safe Deposit Box Drill Fee (All Keys Lost)$150
Not compared: Box drilling or key fee
per year
Safe Deposit Box Key Replacement (Single Key Lost)$25
Not compared: Box drilling or key fee
Safe Deposit Box Late Fee$5
Not compared: Monthly charge, not annual
per month
Levy Fee (Court, Garnishment, IRS, Government or Tax)$25

Lending Fees

Blvd., Moulton, Muscle Shoals, Priceville, Saraland, Stevenson: Late Fee on Delinquent Loans$10
Late Fee on VISA Credit Card Accounts$25

Other Fees

Statement Copies$4
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copies | $4.00 per statement
Loan Application Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee (Within 90 days of opening)	$15	Not stated	None
Dormant Account Fee (Mail undeliverable & 1 year without financial activity)	$10	per month	None
Inactive Member	$10	Not stated	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $15.00 per hour
Account Research	$15Not compared: Annual charge, not per item	per year	None
Return Statement Fee	$5	Not stated	None
Overdraft & NSF
NSF/Overdraft (ACH, Checks, Bill Pay, etc.)	$27	per item	None
NSF/Overdraft (ACH, Checks, Bill Pay, etc.)	$27	per item	None
Overdraft Standard/Extended Privilege Fee	$27	per item	None
Overdraft Advantage Transfer Fee	$2	per item	None
Overdraft Transfer Fee	$5	Not stated	None
ATM & Card
Foreign transaction fee	1%of the transaction	Not stated	None
Foreign transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee - Domestic (Outgoing)	$15	Not stated	None
Wire Transfer Fee - International (Outgoing)	$35	Not stated	None
Check Services
Cashier’s Checks (Excludes members age 50 & older)	$3	Not stated	None
Money Orders	$2	per item	None
Stop Payments	$27	per item	None
Check Cashing Fee (Without compensating balance) (audience not stated, treated as personal)	1%	Not stated	None
Check Cashing Fee (Without compensating balance)	1%	Not stated	None
Negative Balance Collection Fee	$15	Not stated	None
Collection Items (Replacing NSF Checks)	$5	Not stated	None
Check Copies thru FSCU employee	$3	per item	None
Check Copies thru myfscu.com	No charge	Not stated	None
Digital & Electronic
NSF/Overdraft (ACH, Checks, Deposited Returned Item, etc.)	$27	per item	None
Account Services
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$95	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box Drill Fee (All Keys Lost)	$150Not compared: Box drilling or key fee	per year	None
Safe Deposit Box Key Replacement (Single Key Lost)	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Fee	$5Not compared: Monthly charge, not annual	per month	None
Levy Fee (Court, Garnishment, IRS, Government or Tax)	$25	Not stated	None
Lending Fees
Blvd., Moulton, Muscle Shoals, Priceville, Saraland, Stevenson: Late Fee on Delinquent Loans	$10	Not stated	None
Late Fee on VISA Credit Card Accounts	$25	Not stated	None
Other Fees
Statement Copies	$4Not compared: Charged per statement; comparison unavailable	per statement	Statement Copies \| $4.00 per statement
Loan Application Fee	$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

Correct a fee source

Nov 2, 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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