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 fee schedule

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 ($12–$25 nationally)

Paper Statement (Customized)$0.50

$2.50 below the national median$2 below the Michigan median

Source

Check ServicesVerified

Cashier's Check$1Below the typical range ($3–$6 nationally)
$4 below the national median$2 below the Michigan median
Source
Money Order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1 below the Michigan median
Source
Coverdell Educational Savings Account (early withdrawal penalty based on tax law)$0Below the typical range ($2–$5 nationally)
$3 below the national median$3.50 below the Michigan median
Source

Digital & ElectronicVerified

Bill Payment$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$3 below the Michigan median
Source

Cash & DepositVerified

Cash Advance Fee$0Below the typical range ($2–$10 nationally)
$5 below the national median$4 below the Michigan median
Source
Night Depository Service$0Below the typical range ($5–$20 nationally)
$10 below the national median$15 below the Michigan median
Source

Account ServicesVerified

Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$5 below the Michigan median
Source
Online Safe Deposit Box (25 MB of storage)$0Below the typical range ($30–$70 nationally)
$45 below the national median$49 below the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Research/Reconciliation (per hour)	$20Within the typical range ($12–$25 nationally)	$2.50 above the national medianAt the Michigan median	—	—	Source
Paper Statement (Customized)	$0.50Below the typical range ($2–$4.95 nationally)	$2.50 below the national median$2 below the Michigan median	—	—	Source
Check ServicesVerified
Cashier's Check	$1Below the typical range ($3–$6 nationally)	$4 below the national median$2 below the Michigan median	—	—	Source
Money Order	$1
Digital & ElectronicVerified
Bill Payment	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$3 below the Michigan median	—	—	Source
Cash & DepositVerified
Cash Advance Fee	$0Below the typical range ($2–$10 nationally)	$5 below the national median$4 below the Michigan median	—	—	Source
Night Depository Service	$0
Account ServicesVerified
Notary Service	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$5 below the Michigan median	—	—	Source
Online Safe Deposit Box (25 MB of storage)	$0

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Headline fees published

2 of 15

Published fees

Under review

Assets

$975.7M

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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

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