Aac Federal Credit Union

Headquarters: Grand Rapids, Michigan
Charter: Credit Union
Assets: $212.4M
Fed district: Chicago

19 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.

Overdraft (OD)
Aac Federal Credit Union: $25
Aac Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
Aac Federal Credit Union: $25 to $27
Aac Federal Credit Union: $25 to $27
U.S. median: no median
Non-Network ATM
Aac Federal Credit Union: $2
Aac Federal Credit Union: $2
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 Aac Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (After 12 months inactivity)$10
per month
Fax Mortgage Payoff$15
Address Correction by Post Office/Return Statements$5

Overdraft & NSF

Courtesy Pay$25
NSF / Check$25
per item
NSF / Debit$25
Return Item$27
Overdraft Transfer$5

ATM & Card

ATM Transaction Fee (Non Co-op/Jeanie Machine)$2
Card Replacement$5

Wire Transfers

Wire Transfer Domestic$20

Check Services

Money Orders/Cashier's Checks$1
Stop Payment - ACH$30
Stop Payment / Check$20
per item
Check Cashing$5
per item
Draft/Check Copy$2
per item

Digital & Electronic

EasyPay Online Bill Pay (FREE w/ direct deposit & e-statements)$4.95
per month

Account Services

Garnishments (per garnishment)$50
per item
Home Equity Subordination$100

Lending Fees

Visa Late Payment Fee$25

Retirement & IRA

IRA transfer to other financial institution (if account closed)$25

Other Fees

Statement Copies$5
Not compared: Monthly charge, not per item
per month
Loan Processing (Term 12 months or less)$25
Loan Refinance (Less than 6 months)$25

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (After 12 months inactivity)	$10	per month	None
Fax Mortgage Payoff	$15	Not stated	None
Address Correction by Post Office/Return Statements	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$25	Not stated	None
NSF / Check	$25	per item	None
NSF / Debit	$25	Not stated	None
Return Item	$27	Not stated	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
ATM Transaction Fee (Non Co-op/Jeanie Machine)	$2	Not stated	None
Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfer Domestic	$20	Not stated	None
Check Services
Money Orders/Cashier's Checks	$1	Not stated	None
Stop Payment - ACH	$30	Not stated	None
Stop Payment / Check	$20	per item	None
Check Cashing	$5	per item	None
Draft/Check Copy	$2	per item	None
Digital & Electronic
EasyPay Online Bill Pay (FREE w/ direct deposit & e-statements)	$4.95	per month	None
Account Services
Garnishments (per garnishment)	$50	per item	None
Home Equity Subordination	$100	Not stated	None
Lending Fees
Visa Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA transfer to other financial institution (if account closed)	$25	Not stated	None
Other Fees
Statement Copies	$5Not compared: Monthly charge, not per item	per month	None
Loan Processing (Term 12 months or less)	$25	Not stated	None
Loan Refinance (Less than 6 months)	$25	Not stated	None

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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