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, under $300M

Aac Federal Credit Union

Grand Rapids, MichiganCredit UnionChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Christmas Club Early Withdrawal$5Below the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=early_closure; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Christmas Club Early Withdrawal | $5.00" · Source

Dormant Account (After 12 months inactivity)$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=dormant_account; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Dormant Account (After 12 months inactivity) | $10.00/month" · Source

Fax Mortgage Payoff$15

$10 below the national median

Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=account_research; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Fax Mortgage Payoff | $15.00" · Source

Overdraft & NSFVerified

Courtesy Pay$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=overdraft; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Courtesy Pay | $25.00/occurence" · Source
NSF / Check$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=nsf; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="NSF / Check | $25.00/occurence" · Source
NSF/ACH$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=nsf; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="NSF/ACH | $25.00/occurence" · Source
Overdraft Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=od_protection_transfer; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Overdraft Transfer | $5.00" · Source
Return Item$27Within the typical range ($25–$31 nationally)
$3 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=nsf; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Return Item | $27.00/occurence" · Source

ATM & CardVerified

ATM Transaction Fee (Non Co-op/Jeanie Machine)$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=atm_non_network; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="ATM Transaction Fee (Non Co-op/Jeanie Machine) | $2.00" · Source
Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=card_replacement; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Card Replacement | $5.00" · Source
PIN Replacement / Mailed$2Below the typical range ($5–$10 nationally)
$8 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=card_replacement; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="PIN Replacement / Mailed | $2.00" · Source

Check ServicesVerified

Check Cashing - Non Member (Check must be drawn on AAC)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=check_cashing; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Check Cashing - Non Member (Check must be drawn on AAC) | $5.00 / item" · Source
Draft/Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=check_image; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Draft/Check Copy | $2.00" · Source
Money Orders/Cashier's Checks$1Below the typical range ($3–$6 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=cashiers_check; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Money Orders/Cashier's Checks | $1.00" · Source
Stop Payment - ACH$30Within the typical range ($20–$30 nationally)
$4.50 above the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=stop_payment; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Stop Payment - ACH | $30.00" · Source
Stop Payment / Check$20Within the typical range ($20–$30 nationally)
$5.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=stop_payment; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Stop Payment / Check | $20.00" · Source

Digital & ElectronicVerified

EasyPay Online Bill Pay ($0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
Knox read a free fee from Rosetta artifact #6067. canonical_hint=bill_pay; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="EasyPay Online Bill Pay (FREE" · Source
EasyPay Online Bill Pay (FREE w/ direct deposit & e-statements)$4.95Within the typical range ($0–$11.29 nationally)
$0.02 below the national median
per month · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=bill_pay; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="EasyPay Online Bill Pay (FREE w/ direct deposit & e-statements) | $4.95 / month" · Source

Account ServicesVerified

Garnishments (per garnishment)$50Within the typical range ($30–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=garnishment_levy; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Garnishments (per garnishment) | $50.00" · Source
Home Equity Subordination$100Within the typical range ($30–$131.13 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=legal_process; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Home Equity Subordination | $100.00" · Source

Lending FeesVerified

Loan Processing (Term 12 months or less)$25Within the typical range ($25–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=loan_origination; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Loan Processing (Term 12 months or less) | $25.00" · Source
Visa Late Payment Fee$25Within the typical range ($15–$25 nationally)
$0.75 above the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=late_payment; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Visa Late Payment Fee | $25.00" · Source

Retirement & IRAVerified

IRA transfer to other financial institution (if account closed)$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=ira_termination; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="IRA transfer to other financial institution (if account closed) | $25.00" · Source

Other FeesVerified

Statement Copies$5Within the typical range ($2–$5 nationally)
$2 above the national median
per month · Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=document_reproduction; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Statement Copies | $5.00/month - FREE online" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Christmas Club Early Withdrawal	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=early_closure; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Christmas Club Early Withdrawal \| $5.00"	Source
Dormant Account (After 12 months inactivity)	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=dormant_account; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Dormant Account (After 12 months inactivity) \| $10.00/month"	Source
Fax Mortgage Payoff	$15Below the typical range ($17.50–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=account_research; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Fax Mortgage Payoff \| $15.00"	Source
Overdraft & NSFVerified
Courtesy Pay	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=overdraft; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Courtesy Pay \| $25.00/occurence"	Source
NSF / Check	$25
ATM & CardVerified
ATM Transaction Fee (Non Co-op/Jeanie Machine)	$2Within the typical range ($1–$2.50 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=atm_non_network; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="ATM Transaction Fee (Non Co-op/Jeanie Machine) \| $2.00"	Source
Card Replacement
Check ServicesVerified
Check Cashing - Non Member (Check must be drawn on AAC)	$5Within the typical range ($5–$10 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=check_cashing; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Check Cashing - Non Member (Check must be drawn on AAC) \| $5.00 / item"	Source
Draft/Check Copy
Digital & ElectronicVerified
EasyPay Online Bill Pay (	$0Within the typical range ($0–$11.29 nationally)	$4.97 below the national median	—	Knox read a free fee from Rosetta artifact #6067. canonical_hint=bill_pay; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="EasyPay Online Bill Pay (FREE"	Source
EasyPay Online Bill Pay (FREE w/ direct deposit & e-statements)	$4.95
Account ServicesVerified
Garnishments (per garnishment)	$50Within the typical range ($30–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=garnishment_levy; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Garnishments (per garnishment) \| $50.00"	Source
Home Equity Subordination
Lending FeesVerified
Loan Processing (Term 12 months or less)	$25Within the typical range ($25–$50 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=loan_origination; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Loan Processing (Term 12 months or less) \| $25.00"	Source
Visa Late Payment Fee
Retirement & IRAVerified
IRA transfer to other financial institution (if account closed)	$25Within the typical range ($25–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=ira_termination; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="IRA transfer to other financial institution (if account closed) \| $25.00"	Source
Other FeesVerified
Statement Copies	$5Within the typical range ($2–$5 nationally)	$2 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6067. canonical_hint=document_reproduction; text_hash=8b464f3b9600b306d3ec9fa3554205aae208ef15eaf6c3f6c5aa03f33b6db247; excerpt="Statement Copies \| $5.00/month - FREE online"	Source

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 24 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$212.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$212.4M

Total deposits

$158.1M

Service charge income (year to date)

$714K

Fee income ratio

10.8%

Return on assets

1.46%

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

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