Alpena-Alcona Area Federal Credit Union

Headquarters: Alpena, Michigan
Charter: Credit Union
Assets: $975.7M
Fed district: Chicago

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

Cashier's Check
Alpena-Alcona Area Federal Credit Union: $1
Alpena-Alcona Area Federal Credit Union: $1
U.S. median: no median
Paper Statement
Compared at $0.25, the middle of its prices
Alpena-Alcona Area Federal Credit Union: $0 to $0.50
Alpena-Alcona Area Federal Credit Union: $0 to $0.50
U.S. median: no median
Debit Card Replacement
Alpena-Alcona Area Federal Credit Union: $5
Alpena-Alcona Area Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 Alpena-Alcona Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account (within 90 days of opening)$10
Dormant Account (monthly)$5
per month
Account Research/Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (Customized)$0.50
Paper Statement (Standard)No charge
per item
Returned Mail$5
Wrong Address (quarterly)$5
Not compared: Quarterly charge, not monthly
per quarter

ATM & Card

Card Replacement Fee (Lost or Damaged) (audience not stated, treated as personal)$5
Foreign Transaction Fee (% of Transaction) (audience not stated, treated as personal)1%of the transaction

Check Services

Cashier's Check$1
Money Order$1
Coverdell Educational Savings Account (early withdrawal penalty based on tax law)No charge

Digital & Electronic

Bill PaymentNo charge
Mobile Check DepositNo charge

Cash & Deposit

Cash Advance Fee (audience not stated, treated as personal)No charge
Returned Deposit Item$5
Night Depository ServiceNo charge

Account Services

Notary ServiceNo charge
5" X 10" Box Annual Fee$40
per year
Online Safe Deposit Box (25 MB of storage)No charge

Other Fees

Copy/Fax Service (per page)$1
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Closed Account (within 90 days of opening)	$10	Not stated	None
Dormant Account (monthly)	$5	per month	None
Account Research/Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (Customized)	$0.50	Not stated	None
Paper Statement (Standard)	No charge	per item	None
Returned Mail	$5	Not stated	None
Wrong Address (quarterly)	$5Not compared: Quarterly charge, not monthly	per quarter	None
ATM & Card
Card Replacement Fee (Lost or Damaged) (audience not stated, treated as personal)	$5	Not stated	None
Foreign Transaction Fee (% of Transaction) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Cashier's Check	$1	Not stated	None
Money Order	$1	Not stated	None
Coverdell Educational Savings Account (early withdrawal penalty based on tax law)	No charge	Not stated	None
Digital & Electronic
Bill Payment	No charge	Not stated	None
Mobile Check Deposit	No charge	Not stated	None
Cash & Deposit
Cash Advance Fee (audience not stated, treated as personal)	No charge	Not stated	None
Returned Deposit Item	$5	Not stated	None
Night Depository Service	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
5" X 10" Box Annual Fee	$40	per year	None
Online Safe Deposit Box (25 MB of storage)	No charge	Not stated	None
Other Fees
Copy/Fax Service (per page)	$1Not compared: Annual charge, not per item	per year	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 13, 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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