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

Alpena Community Federal Credit Union

Alpena, MichiganCredit UnionChicago Fed districtFees collected Oct 6, 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

Monthly Dormant Fee$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee (Per Draft)$5Below the typical range ($25–$33 nationally)
$25 below the national median$24 below the Michigan median
per item · Source
NSF Check Returned (Business)$5Below the typical range ($25–$32 nationally)
$25 below the national median$24 below the Michigan median
Source

ATM & CardVerified

Replacement Card (ATM/Debit/Visa)$7.50Within the typical range ($5–$10 nationally)
$2.50 below the national medianAt the Michigan median
Source
Replacement ATM/Debit Rush Order$50Within the typical range ($30–$50 nationally)
$10 above the national median$15 above the Michigan median
Source

Wire TransfersVerified

Wire Transfer Fee (Outgoing) Domestic$15Below the typical range ($20–$25 nationally)
$10 below the national median$10 below the Michigan median
Source
Wire Transfer Fee (Incoming)$5Within the typical range ($5–$15 nationally)
$5 below the national medianAt the Michigan median
Source
Wire Transfer Fee (Outgoing) Foreign$35Below the typical range ($40–$50 nationally)
$15 below the national median$10 below the Michigan median
Source

Check ServicesVerified

Cashier's Checks$1.50Below the typical range ($3–$6 nationally)
$3.50 below the national median$1.50 below the Michigan median
Source
Money Orders$0.75Below the typical range ($1.50–$3 nationally)
$1.25 below the national median$1.25 below the Michigan median
Source
ACH Stop Payment Fee$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$2 below the Michigan median
Source
Starter Checks (1 Sheets FREE with new Share Draft Account)$0Below the typical range ($1–$4 nationally)
$2 below the national median$2 below the Michigan median
Source
Starter Checks (Sheet of 4)$1Within the typical range ($1–$4 nationally)
$1 below the national median$1 below the Michigan median
Source
Foreign Check/Draft Fee$10Within the typical range ($10–$25 nationally)
$10 below the national medianAt the Michigan median
per item · Knox extract.rules v32 categorized a line held for review from Rosetta artifact #13633. canonical_hint=check_cashing; text_hash=cafcf07a1288de4f2b464531b07675ec32db19f8494fa8a2e34abff1a06cb274; excerpt="Foreign Check/Draft Fee | $10.00" · Source
Copies of Cleared Drafts (4 OR MORE)$1Below the typical range ($2–$5 nationally)
$2 below the national median$2.50 below the Michigan median
Source

Digital & ElectronicVerified

ACH Origination Changes$5Within the typical range ($5–$20 nationally)
$5 below the national median$7.50 below the Michigan median
Source
ACH Origination Start Up Fees$15Within the typical range ($5–$20 nationally)
$5 above the national median$2.50 above the Michigan median
Source
ACH Return (per presentment)$10Below the typical range ($15–$30 nationally)
$15 below the national median$15 below the Michigan median
per item · Source

Account ServicesVerified

Member Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$5 below the Michigan median
Source
Non-Member Notary Service$10Above the typical range ($0–$5 nationally)
$7.50 above the national median$5 above the Michigan median
Source
Garnishment Fee$50Within the typical range ($30–$87.50 nationally)
At the national medianAt the Michigan median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Dormant Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Michigan median	per month	—	Source
Account Research / Reconciliation Fee	$20Within the typical range ($12–$25 nationally)	$2.50 above the national medianAt the Michigan median	—	—	Source
Overdraft & NSFVerified
Overdraft Fee (Per Draft)	$5Below the typical range ($25–$33 nationally)	$25 below the national median$24 below the Michigan median	per item	—	Source
NSF Check Returned (Business)	$5
ATM & CardVerified
Replacement Card (ATM/Debit/Visa)	$7.50Within the typical range ($5–$10 nationally)	$2.50 below the national medianAt the Michigan median	—	—	Source
Replacement ATM/Debit Rush Order	$50
Wire TransfersVerified
Wire Transfer Fee (Outgoing) Domestic	$15Below the typical range ($20–$25 nationally)	$10 below the national median$10 below the Michigan median	—	—	Source
Wire Transfer Fee (Incoming)	$5
Check ServicesVerified
Cashier's Checks	$1.50Below the typical range ($3–$6 nationally)	$3.50 below the national median$1.50 below the Michigan median	—	—	Source
Money Orders	$0.75
Digital & ElectronicVerified
ACH Origination Changes	$5Within the typical range ($5–$20 nationally)	$5 below the national median$7.50 below the Michigan median	—	—	Source
ACH Origination Start Up Fees	$15
Account ServicesVerified
Member Notary Service	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$5 below the Michigan median	—	—	Source
Non-Member Notary Service	$10
Gift & Prepaid CardsVerified
VISA Gift Cards	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$1 below the Michigan median	—	—	Source

Fee change alerts

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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

Overdraft fee: $5

83% below the national median overdraft fee

23 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$35.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$35.6M

Total deposits

$30.2M

Service charge income (year to date)

$36K

Fee income ratio

4.3%

Return on assets

1.37%

Financial profile · Pro

Performance from regulator filings

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