Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Alpena-Alcona Area Federal Credit Union

Alpena, MichiganCredit UnionChicago Fed districtFees collected Mar 17, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research/Reconciliation (per hour)$20Within the typical range ($17.50–$25 nationally)

per month · Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=account_research; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Account Research/Reconciliation (per hour) | $ 20.00 | Dormant Account (monthly) | $ | 5.00" · Source

eStatement$0

At the national median

Knox read a free fee from Rosetta artifact #4642. canonical_hint=estatement_fee; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="eStatement | FREE | Garnishment/Levy Processing | $ | 50.00" · Source

Overdraft & NSFVerified

Overdraft Privilege Fee (Transactions >$5Below the typical range ($25–$31 nationally)
$25 below the national median
per item · Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=overdraft; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="| Overdraft Privilege Fee (Transactions > $5.00" · Source

Check ServicesVerified

Cashier's Check$1Below the typical range ($3–$6 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=cashiers_check; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Cashier's Check | $ 1.00 | Safe Deposit Boxes" · Source
Coverdell Educational Savings Account (early withdrawal penalty based on tax law)$0Below the typical range ($2–$5 nationally)
$3 below the national median
Knox read a free fee from Rosetta artifact #4642. canonical_hint=check_image; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Coverdell Educational Savings Account (early withdrawal penalty based on tax law) | FREE | Cleared Check Copy" · Source
Money Order$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=money_order; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Money Order | $ 1.00" · Source

Digital & ElectronicVerified

Bill Payment$0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
Knox read a free fee from Rosetta artifact #4642. canonical_hint=bill_pay; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Bill Payment | FREE | Features of Online & Mobile Banking (excluding eStatements/eNotices) PLUS" · Source

Cash & DepositVerified

Cash Advance Fee$0Below the typical range ($3–$10 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #4642. canonical_hint=cash_advance; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Cash Advance Fee | FREE | Withdrawal/Inquiry Fee | FREE" · Source
Night Depository Service$0Below the typical range ($5–$20 nationally)
$12.50 below the national median
Knox read a free fee from Rosetta artifact #4642. canonical_hint=night_deposit; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Night Depository Service | FREE | Wire Transfers" · Source

Account ServicesVerified

Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #4642. canonical_hint=notary_fee; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Notary Service | FREE | Incoming | FREE" · Source
Online Safe Deposit Box (25 MB of storage)$0Below the typical range ($25–$77.50 nationally)
$45 below the national median
Knox read a free fee from Rosetta artifact #4642. canonical_hint=safe_deposit_box; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Online Safe Deposit Box (25 MB of storage) | FREE" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation (per hour)	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=account_research; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Account Research/Reconciliation (per hour) \| $ 20.00 \| Dormant Account (monthly) \| $ \| 5.00"	Source
eStatement	$0Within the typical range ($0–$3 nationally)	At the national median	—	Knox read a free fee from Rosetta artifact #4642. canonical_hint=estatement_fee; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="eStatement \| FREE \| Garnishment/Levy Processing \| $ \| 50.00"	Source
Overdraft & NSFVerified
Overdraft Privilege Fee (Transactions >	$5Below the typical range ($25–$31 nationally)	$25 below the national median	per item	Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=overdraft; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="\| Overdraft Privilege Fee (Transactions > $5.00"	Source
Check ServicesVerified
Cashier's Check	$1Below the typical range ($3–$6 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #4642. canonical_hint=cashiers_check; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Cashier's Check \| $ 1.00 \| Safe Deposit Boxes"	Source
Coverdell Educational Savings Account (early withdrawal penalty based on tax law)
Digital & ElectronicVerified
Bill Payment	$0Within the typical range ($0–$11.29 nationally)	$4.97 below the national median	—	Knox read a free fee from Rosetta artifact #4642. canonical_hint=bill_pay; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Bill Payment \| FREE \| Features of Online & Mobile Banking (excluding eStatements/eNotices) PLUS"	Source
Cash & DepositVerified
Cash Advance Fee	$0Below the typical range ($3–$10 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #4642. canonical_hint=cash_advance; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Cash Advance Fee \| FREE \| Withdrawal/Inquiry Fee \| FREE"	Source
Night Depository Service
Account ServicesVerified
Notary Service	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median	—	Knox read a free fee from Rosetta artifact #4642. canonical_hint=notary_fee; text_hash=c6264ada3c04379df227cc16d38a4cafaa7827e76145db833aee2352b93560be; excerpt="Notary Service \| FREE \| Incoming \| FREE"	Source
Online Safe Deposit Box (25 MB of storage)

Fee change alerts

Get an email when Alpena-Alcona Area Federal Credit Union changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Alpena-Alcona Area Federal Credit Union? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

Overdraft fee: $5

83% below the national median overdraft fee

Total fees: 11 — leaner than most institutions

Headline fees published

2 of 15

Published fees

Under review

Assets

$975.7M

Work at Alpena-Alcona Area Federal Credit Union? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$975.7M

Total deposits

$848.5M

Service charge income (year to date)

$1.3M

Fee income ratio

4.4%

Return on assets

1.39%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 28,880 verified fees from 2,290 institutions

See pricing