Alabama Federal Credit Union

Headquarters: Tuscaloosa, Alabama
Charter: Credit Union
Assets: $2.1B
Fed district: Atlanta
Regulator: NCUA

Explore Hamilton View published fees

Compared with the U.S.

6 of 23

compared fees are above the median.

15 below, 2 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
of 23 compared; 15 below, 2 about the same
See the fees
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Alabama Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Alabama Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Alabama Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $5.6M in Q2 2026, about level with the same quarter a year earlier ($5.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 23 compared published fees sit above the U.S. median; 15 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

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

Non-Network ATM
Alabama Federal Credit Union: $1
Alabama Federal Credit Union: $1
U.S. median: $1.501,648 publish
Monthly Maintenance
Alabama Federal Credit Union: $5
Alabama Federal Credit Union: $5
U.S. median: $71,901 publish
NSF / Returned Item
Compared at $27, the middle of its prices
Alabama Federal Credit Union: $19 to $35
Alabama Federal Credit Union: $19 to $35
U.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Oct 5, 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.

Fee income beside fee prices

Fee income fell 5.5% from Q3 2025 to Q2 2026, to $5.6M.

Fee income, Q2 2026

$5.6M

$5.9MQ3 2025

$5.8MQ4 2025

$5.7MQ1 2026

$5.6MQ2 2026

Against the median (U.S. for fees)

Non‑network ATM$1 / $1.50
Monthly maintenance$5 / $7

Alabama Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Alabama Federal Credit Union · $2.1B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$2B to $2.2B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Alabama Federal Credit Union(this institution)	Tuscaloosa, AL	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Caltech Employees Federal Credit Union	La Canada, CA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Canyon View Federal Credit Union	Salt Lake City, UT	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Choice Federal Credit Union	Farmington Hills, MI	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cyprus Federal Credit Union	West Jordan, UT	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Dupont Community Federal Credit Union	Waynesboro, VA	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Entertainment Federal Credit Union	Hollywood, CA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hanscom Federal Credit Union	Hanscom AFB, MA	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Federal Credit Union	Spokane Valley, WA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Indiana University Federal Credit Union	Bloomington, IN	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Iq Federal Credit Union	Vancouver, WA	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jeanne D'Arc Federal Credit Union	Lowell, MA	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lafayette Federal Credit Union	Rockville, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Philadelphia Federal Credit Union	Philadelphia, PA	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Potlatch No. 1 Financial Federal Credit Union	Lewiston, ID	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Purdue Federal Credit Union	West Lafayette, IN	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Safe Federal Credit Union	Sumter, SC	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Self Reliance Ny Federal Credit Union	New York, NY	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Self-Help Federal Credit Union	Durham, NC	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Seven Seventeen Federal Credit Union	Warren, OH	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Srp Federal Credit Union	North Augusta, SC	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Suffolk Federal Credit Union	Medford, NY	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Credit Union, Inc	Lima, OH	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Texas Trust Federal Credit Union	Mansfield, TX	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Westerra Federal Credit Union	Denver, CO	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Whitefish Credit Union Association	Whitefish, MT	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $5, against a peer median of $5 among 9 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Alabama Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Alabama Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $5.6M
vs prior quarter: −$136K−2.4%; from Q1 2026
vs a year earlier: −$4K−0.1%; from Q2 2025
vs start of range: +$216K+4.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Alabama Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5.6M	−$136K	−2.4%
Q1 2026	$5.7M	−$20K	−0.3%
Q4 2025	$5.8M	−$171K	−2.9%
Q3 2025	$5.9M	+$323K	+5.8%
Q2 2025	$5.6M	−$95K	−1.7%
Q1 2025	$5.7M	+$165K	+3.0%
Q4 2024	$5.5M	+$150K	+2.8%
Q3 2024	$5.4M	−$528K	−8.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Fee (audience not stated, treated as personal)$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Early Share Savings Account Closure fee (audience not stated, treated as personal)$5
Below the U.S. middle 50% ($10 to $25 nationally)
Inactive Account fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Research fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statements fee$2
Inside the U.S. middle 50% ($2 to $4.98 nationally)
Incorrect Address fee$10
Above the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

NSF (Non-Sufficient Funds) fee, per presentment Per calendar year$19
Below the U.S. middle 50% ($25 to $32 nationally)
per item
NSF / Returned Item$35
Above the U.S. middle 50% ($25 to $32 nationally)
per item
Savings Overdraft Transfer fee$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per transaction

ATM & Card

Non-Alabama CU-Operated ATM Transaction fee$1
Inside the U.S. middle 50% ($1 to $2 nationally)
per item
MasterCard ATM/Debit Card Replacement fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per item
Debit Card Rush Order fee$50
Inside the U.S. middle 50% ($30 to $50 nationally)

Wire Transfers

Wire Transfer (Domestic) fee$14
Below the U.S. middle 50% ($20 to $25 nationally)
per item
Wire Transfer (International) fee$50
Inside the U.S. middle 50% ($40 to $50 nationally)
per item

Check Services

Cashier's, Certified, Teller's, or Official Check Payable to Third Party fee$2
Below the U.S. middle 50% ($3 to $6 nationally)
Money Order fee$1
Below the U.S. middle 50% ($2 to $3 nationally)
per item
Stop Payment fee (share draft/check or e-Bill-Pay item)$29
Inside the U.S. middle 50% ($20 to $30 nationally)
per item
Temporary Checks fee$0.80
Below the U.S. middle 50% ($1 to $4 nationally)
per item
Copy of Deposited Item fee$2
Inside the U.S. middle 50% ($2 to $5 nationally)
per item
Photocopy of Cancelled Check fee$1
Below the U.S. middle 50% ($2 to $5 nationally)
per item
Photocopy of Cancelled Check from Third Party fee$1.75
Below the U.S. middle 50% ($2 to $5 nationally)
per item

Digital & Electronic

Bill-Pay Overnight Payments$15.95
Not compared: Per-item charge, not monthly
per item
Bill-Pay Same-Day Payments$9.95
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Returned Item fee$10
Inside the U.S. middle 50% ($9 to $25 nationally)
per item
Night Depository Key Replacement fee$5
Inside the U.S. middle 50% ($5 to $15 nationally)

Account Services

10 x 10 Safe Deposit Box Rental$100
Above the U.S. middle 50% ($32.50 to $60 nationally)
per year
3 x 10 Safe Deposit Box Rental$40
Inside the U.S. middle 50% ($32.50 to $60 nationally)
per year
3 x 5 Safe Deposit Box Rental$25
Below the U.S. middle 50% ($32.50 to $60 nationally)
per year
5 x 10 Safe Deposit Box Rental$50
Inside the U.S. middle 50% ($32.50 to $60 nationally)
per year
5 x 5 Safe Deposit Box Rental$30
Below the U.S. middle 50% ($32.50 to $60 nationally)
per year
Drilling of Box and Change of Lock fee$175
Not compared: Box drilling or key fee
Replacement Key fee$20
Not compared: Box drilling or key fee
Garnishment, Tax Levy, Lien, or Judgment fee$100
Above the U.S. middle 50% ($30 to $85 nationally)
Immigration Account Verification fee$5
Inside the U.S. middle 50% ($5 to $15 nationally)
per item

Other Fees

Statement Copy fee$1
Not compared: Charged per page; comparison unavailable
per page
Skip-A-Pay service fee (audience not stated, treated as personal)$35
Inside the U.S. middle 50% ($20 to $37.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee (audience not stated, treated as personal)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Early Share Savings Account Closure fee (audience not stated, treated as personal)	$5Below the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Inactive Account fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Research fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statements fee	$2Inside the U.S. middle 50% ($2 to $4.98 nationally)	Not stated	None
Incorrect Address fee	$10Above the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
NSF (Non-Sufficient Funds) fee, per presentment Per calendar year	$19Below the U.S. middle 50% ($25 to $32 nationally)	per item	None
NSF / Returned Item	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
Savings Overdraft Transfer fee	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per transaction	None
ATM & Card
Non-Alabama CU-Operated ATM Transaction fee	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
MasterCard ATM/Debit Card Replacement fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Debit Card Rush Order fee	$50Inside the U.S. middle 50% ($30 to $50 nationally)	Not stated	None
Wire Transfers
Wire Transfer (Domestic) fee	$14Below the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfer (International) fee	$50Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Cashier's, Certified, Teller's, or Official Check Payable to Third Party fee	$2Below the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Order fee	$1Below the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment fee (share draft/check or e-Bill-Pay item)	$29Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Temporary Checks fee	$0.80Below the U.S. middle 50% ($1 to $4 nationally)	per item	None
Copy of Deposited Item fee	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Photocopy of Cancelled Check fee	$1Below the U.S. middle 50% ($2 to $5 nationally)	per item	None
Photocopy of Cancelled Check from Third Party fee	$1.75Below the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
Bill-Pay Overnight Payments	$15.95Not compared: Per-item charge, not monthly	per item	None
Bill-Pay Same-Day Payments	$9.95Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Returned Item fee	$10Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Night Depository Key Replacement fee	$5Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Account Services
10 x 10 Safe Deposit Box Rental	$100Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
3 x 10 Safe Deposit Box Rental	$40Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
3 x 5 Safe Deposit Box Rental	$25Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
5 x 10 Safe Deposit Box Rental	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
5 x 5 Safe Deposit Box Rental	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Drilling of Box and Change of Lock fee	$175Not compared: Box drilling or key fee	Not stated	None
Replacement Key fee	$20Not compared: Box drilling or key fee	Not stated	None
Garnishment, Tax Levy, Lien, or Judgment fee	$100Above the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Immigration Account Verification fee	$5Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Other Fees
Statement Copy fee	$1Not compared: Charged per page; comparison unavailable	per page	None
Skip-A-Pay service fee (audience not stated, treated as personal)	$35Inside the U.S. middle 50% ($20 to $37.50 nationally)	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 5, 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.

Branches and public record

Where Alabama Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

39 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

38 of 39 offices on the map. 9 are shown at the middle of their town until the exact address is found.

Cities with the most offices

Tuscaloosa, AL	9
Mobile, AL	4
Huntsville, AL	3
Cullman, AL	2
Hoover, AL	2
Madison, AL	2
Northport, AL	2
Birmingham, AL	1

Largest competitors nearby

Local market: Tuscaloosa county, AL, around its headquarters.

30 in its local market	Deposit share
Bryant Bank	20.5%
Regions Bank	17.1%
SmartBank	13%
Pinnacle Bank	10.7%
Wells Fargo Bank, National Association	6.3%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Get an email when Alabama Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.