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.

Explore Hamilton View published fees

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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Among its peers

Aac Federal Credit Union · $212M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$205M to $218M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Aac Federal Credit Union(this institution)	Grand Rapids, MI	$212M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
1St Liberty Federal Credit Union	Great Falls, MT	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Access Community Federal Credit Union	Amarillo, TX	$211M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alta Vista Federal Credit Union	Redlands, CA	$209M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Beacon Federal Credit Union	La Porte, TX	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bluestone Federal Credit Union	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Denver Fire Department Federal Credit Union	Denver, CO	$214M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fitzsimons Federal Credit Union	Aurora, CO	$211M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Community Federal Credit Union	Leavenworth, KS	$210M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
H E B Federal Credit Union	San Antonio, TX	$218M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Members Choice Of Central Texas Federal Credit Union	Waco, TX	$213M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members First Federal Credit Union	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Okunity Federal Credit Union	Stillwater, OK	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palisades Federal Credit Union	Pearl River, NY	$212M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parda Federal Credit Union	Auburn Hills, MI	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Railway Federal Credit Union	Mandan, ND	$212M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Stark Federal Credit Union	canton, OH	$218M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U. S. Employees O. C. Federal Credit Union	Oklahoma City, OK	$213M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
U.P. State Federal Credit Union	Escanaba, MI	$210M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Consumers Federal Credit Union	Independence, MO	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Aac Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.23 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Aac Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Aac Federal Credit UnionPeer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when Aac Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

Aac Federal Credit Union · $212M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$205M to $218M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Aac Federal Credit Union(this institution)	Grand Rapids, MI	$212M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
1St Liberty Federal Credit Union	Great Falls, MT	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Access Community Federal Credit Union	Amarillo, TX	$211M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alta Vista Federal Credit Union	Redlands, CA	$209M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Beacon Federal Credit Union	La Porte, TX	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bluestone Federal Credit Union	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Denver Fire Department Federal Credit Union	Denver, CO	$214M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fitzsimons Federal Credit Union	Aurora, CO	$211M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Community Federal Credit Union	Leavenworth, KS	$210M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
H E B Federal Credit Union	San Antonio, TX	$218M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Members Choice Of Central Texas Federal Credit Union	Waco, TX	$213M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members First Federal Credit Union	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Okunity Federal Credit Union	Stillwater, OK	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palisades Federal Credit Union	Pearl River, NY	$212M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parda Federal Credit Union	Auburn Hills, MI	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Railway Federal Credit Union	Mandan, ND	$212M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Stark Federal Credit Union	canton, OH	$218M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U. S. Employees O. C. Federal Credit Union	Oklahoma City, OK	$213M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
U.P. State Federal Credit Union	Escanaba, MI	$210M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Consumers Federal Credit Union	Independence, MO	$217M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Aac Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.23 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Aac Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Aac Federal Credit UnionPeer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.