Alpena Community Federal Credit Union

Headquarters: Alpena, Michigan
Charter: Credit Union
Assets: $35.6M
Fed district: Chicago

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 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)
Alpena Community Federal Credit Union: $5
Alpena Community Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Alpena Community Federal Credit Union: $5
Alpena Community Federal Credit Union: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Alpena Community Federal Credit Union: $15
Alpena Community Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 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 Alpena Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheat Fee$100
Monthly Dormant Fee$5
per month
Account Research / Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research / Reconciliation Fee | $20.00 per hour

Overdraft & NSF

Overdraft Fee (Per Draft)$5
per item
NSF Check Returned (Individual)$5

ATM & Card

Replacement Card (ATM/Debit/Visa)$7.50
Replacement ATM/Debit Rush Order$50

Wire Transfers

Wire Transfer Fee (Outgoing) Domestic$15
Wire Transfer Fee (Incoming)$5
Wire Transfer Fee (Outgoing) Foreign$35

Check Services

Cashier's Checks$1.50
Money Orders$0.75
ACH Stop Payment Fee$25
Stop Payment Fee$25
Starter Checks (1 Sheets FREE with new Share Draft Account)No charge
Starter Checks (Sheet of 4)$1
Foreign Check/Draft Fee$10
per item
Copies of Cleared Drafts (4 OR MORE)$1

Digital & Electronic

ACH Origination Changes$5
ACH Origination Start Up Fees$15
ACH Return (per presentment)$10
per item

Account Services

Member Notary ServiceNo charge
Non-Member Notary Service$10
Garnishment Fee$50

Gift & Prepaid Cards

VISA Gift Cards$3

Other Fees

Copies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page · Copies (per page) | $0.25
Fax (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page · Fax (per page) | $0.50

Fee	Amount	Basis	Note
Account Maintenance
Escheat Fee	$100	Not stated	None
Monthly Dormant Fee	$5	per month	None
Account Research / Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research / Reconciliation Fee \| $20.00 per hour
Overdraft & NSF
Overdraft Fee (Per Draft)	$5	per item	None
NSF Check Returned (Individual)	$5	Not stated	None
ATM & Card
Replacement Card (ATM/Debit/Visa)	$7.50	Not stated	None
Replacement ATM/Debit Rush Order	$50	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing) Domestic	$15	Not stated	None
Wire Transfer Fee (Incoming)	$5	Not stated	None
Wire Transfer Fee (Outgoing) Foreign	$35	Not stated	None
Check Services
Cashier's Checks	$1.50	Not stated	None
Money Orders	$0.75	Not stated	None
ACH Stop Payment Fee	$25	Not stated	None
Stop Payment Fee	$25	Not stated	None
Starter Checks (1 Sheets FREE with new Share Draft Account)	No charge	Not stated	None
Starter Checks (Sheet of 4)	$1	Not stated	None
Foreign Check/Draft Fee	$10	per item	None
Copies of Cleared Drafts (4 OR MORE)	$1	Not stated	None
Digital & Electronic
ACH Origination Changes	$5	Not stated	None
ACH Origination Start Up Fees	$15	Not stated	None
ACH Return (per presentment)	$10	per item	None
Account Services
Member Notary Service	No charge	Not stated	None
Non-Member Notary Service	$10	Not stated	None
Garnishment Fee	$50	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$3	Not stated	None
Other Fees
Copies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	Copies (per page) \| $0.25
Fax (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	Fax (per page) \| $0.50

Account Maintenance

Escheat Fee$100
Monthly Dormant Fee$5
per month
Account Research / Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research / Reconciliation Fee | $20.00 per hour

Overdraft & NSF

Overdraft Fee (Per Draft)$5
per item
NSF Check Returned (Business)$5

ATM & Card

Replacement Card (ATM/Debit/Visa)$7.50
Replacement ATM/Debit Rush Order$50

Wire Transfers

Wire Transfer Fee (Outgoing) Domestic$15
Wire Transfer Fee (Incoming)$5
Wire Transfer Fee (Outgoing) Foreign$35

Check Services

Cashier's Checks$1.50
Money Orders$0.75
ACH Stop Payment Fee$25
Stop Payment Fee$25
Starter Checks (1 Sheets FREE with new Share Draft Account)No charge
Starter Checks (Sheet of 4)$1
Foreign Check/Draft Fee$10
per item
Copies of Cleared Drafts (4 OR MORE)$1

Digital & Electronic

ACH Origination Changes$5
ACH Origination Start Up Fees$15
ACH Return (per presentment)$10
per item

Account Services

Member Notary ServiceNo charge
Non-Member Notary Service$10
Garnishment Fee$50

Gift & Prepaid Cards

VISA Gift Cards$3

Other Fees

Copies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page · Copies (per page) | $0.25
Fax (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page · Fax (per page) | $0.50

Fee	Amount	Basis	Note
Account Maintenance
Escheat Fee	$100	Not stated	None
Monthly Dormant Fee	$5	per month	None
Account Research / Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research / Reconciliation Fee \| $20.00 per hour
Overdraft & NSF
Overdraft Fee (Per Draft)	$5	per item	None
NSF Check Returned (Business)	$5	Not stated	None
ATM & Card
Replacement Card (ATM/Debit/Visa)	$7.50	Not stated	None
Replacement ATM/Debit Rush Order	$50	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing) Domestic	$15	Not stated	None
Wire Transfer Fee (Incoming)	$5	Not stated	None
Wire Transfer Fee (Outgoing) Foreign	$35	Not stated	None
Check Services
Cashier's Checks	$1.50	Not stated	None
Money Orders	$0.75	Not stated	None
ACH Stop Payment Fee	$25	Not stated	None
Stop Payment Fee	$25	Not stated	None
Starter Checks (1 Sheets FREE with new Share Draft Account)	No charge	Not stated	None
Starter Checks (Sheet of 4)	$1	Not stated	None
Foreign Check/Draft Fee	$10	per item	None
Copies of Cleared Drafts (4 OR MORE)	$1	Not stated	None
Digital & Electronic
ACH Origination Changes	$5	Not stated	None
ACH Origination Start Up Fees	$15	Not stated	None
ACH Return (per presentment)	$10	per item	None
Account Services
Member Notary Service	No charge	Not stated	None
Non-Member Notary Service	$10	Not stated	None
Garnishment Fee	$50	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$3	Not stated	None
Other Fees
Copies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	Copies (per page) \| $0.25
Fax (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	Fax (per page) \| $0.50

Correct a fee source

Oct 31, 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 Alpena Community Federal Credit Union's monthly maintenance changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Alpena Community Federal Credit Union: $5
Alpena Community Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Alpena Community Federal Credit Union: $5
Alpena Community Federal Credit Union: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Alpena Community Federal Credit Union: $15
Alpena Community Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 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.

Published fee schedule

Amounts from Alpena Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheat Fee$100
Monthly Dormant Fee$5
per month
Account Research / Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research / Reconciliation Fee | $20.00 per hour

Overdraft & NSF

Overdraft Fee (Per Draft)$5
per item
NSF Check Returned (Individual)$5

ATM & Card

Replacement Card (ATM/Debit/Visa)$7.50
Replacement ATM/Debit Rush Order$50

Wire Transfers

Wire Transfer Fee (Outgoing) Domestic$15
Wire Transfer Fee (Incoming)$5
Wire Transfer Fee (Outgoing) Foreign$35

Check Services

Cashier's Checks$1.50
Money Orders$0.75
ACH Stop Payment Fee$25
Stop Payment Fee$25
Starter Checks (1 Sheets FREE with new Share Draft Account)No charge
Starter Checks (Sheet of 4)$1
Foreign Check/Draft Fee$10
per item
Copies of Cleared Drafts (4 OR MORE)$1

Digital & Electronic

ACH Origination Changes$5
ACH Origination Start Up Fees$15
ACH Return (per presentment)$10
per item

Account Services

Member Notary ServiceNo charge
Non-Member Notary Service$10
Garnishment Fee$50

Gift & Prepaid Cards

VISA Gift Cards$3

Other Fees

Copies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page · Copies (per page) | $0.25
Fax (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page · Fax (per page) | $0.50

Fee	Amount	Basis	Note
Account Maintenance
Escheat Fee	$100	Not stated	None
Monthly Dormant Fee	$5	per month	None
Account Research / Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research / Reconciliation Fee \| $20.00 per hour
Overdraft & NSF
Overdraft Fee (Per Draft)	$5	per item	None
NSF Check Returned (Individual)	$5	Not stated	None
ATM & Card
Replacement Card (ATM/Debit/Visa)	$7.50	Not stated	None
Replacement ATM/Debit Rush Order	$50	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing) Domestic	$15	Not stated	None
Wire Transfer Fee (Incoming)	$5	Not stated	None
Wire Transfer Fee (Outgoing) Foreign	$35	Not stated	None
Check Services
Cashier's Checks	$1.50	Not stated	None
Money Orders	$0.75	Not stated	None
ACH Stop Payment Fee	$25	Not stated	None
Stop Payment Fee	$25	Not stated	None
Starter Checks (1 Sheets FREE with new Share Draft Account)	No charge	Not stated	None
Starter Checks (Sheet of 4)	$1	Not stated	None
Foreign Check/Draft Fee	$10	per item	None
Copies of Cleared Drafts (4 OR MORE)	$1	Not stated	None
Digital & Electronic
ACH Origination Changes	$5	Not stated	None
ACH Origination Start Up Fees	$15	Not stated	None
ACH Return (per presentment)	$10	per item	None
Account Services
Member Notary Service	No charge	Not stated	None
Non-Member Notary Service	$10	Not stated	None
Garnishment Fee	$50	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$3	Not stated	None
Other Fees
Copies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	Copies (per page) \| $0.25
Fax (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	Fax (per page) \| $0.50

Account Maintenance

Escheat Fee$100
Monthly Dormant Fee$5
per month
Account Research / Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research / Reconciliation Fee | $20.00 per hour

Overdraft & NSF

Overdraft Fee (Per Draft)$5
per item
NSF Check Returned (Business)$5

ATM & Card

Replacement Card (ATM/Debit/Visa)$7.50
Replacement ATM/Debit Rush Order$50

Wire Transfers

Wire Transfer Fee (Outgoing) Domestic$15
Wire Transfer Fee (Incoming)$5
Wire Transfer Fee (Outgoing) Foreign$35

Check Services

Cashier's Checks$1.50
Money Orders$0.75
ACH Stop Payment Fee$25
Stop Payment Fee$25
Starter Checks (1 Sheets FREE with new Share Draft Account)No charge
Starter Checks (Sheet of 4)$1
Foreign Check/Draft Fee$10
per item
Copies of Cleared Drafts (4 OR MORE)$1

Digital & Electronic

ACH Origination Changes$5
ACH Origination Start Up Fees$15
ACH Return (per presentment)$10
per item

Account Services

Member Notary ServiceNo charge
Non-Member Notary Service$10
Garnishment Fee$50

Gift & Prepaid Cards

VISA Gift Cards$3

Other Fees

Copies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page · Copies (per page) | $0.25
Fax (per page)$0.50
Not compared: Charged per page; comparison unavailable
per page · Fax (per page) | $0.50

Fee	Amount	Basis	Note
Account Maintenance
Escheat Fee	$100	Not stated	None
Monthly Dormant Fee	$5	per month	None
Account Research / Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research / Reconciliation Fee \| $20.00 per hour
Overdraft & NSF
Overdraft Fee (Per Draft)	$5	per item	None
NSF Check Returned (Business)	$5	Not stated	None
ATM & Card
Replacement Card (ATM/Debit/Visa)	$7.50	Not stated	None
Replacement ATM/Debit Rush Order	$50	Not stated	None
Wire Transfers
Wire Transfer Fee (Outgoing) Domestic	$15	Not stated	None
Wire Transfer Fee (Incoming)	$5	Not stated	None
Wire Transfer Fee (Outgoing) Foreign	$35	Not stated	None
Check Services
Cashier's Checks	$1.50	Not stated	None
Money Orders	$0.75	Not stated	None
ACH Stop Payment Fee	$25	Not stated	None
Stop Payment Fee	$25	Not stated	None
Starter Checks (1 Sheets FREE with new Share Draft Account)	No charge	Not stated	None
Starter Checks (Sheet of 4)	$1	Not stated	None
Foreign Check/Draft Fee	$10	per item	None
Copies of Cleared Drafts (4 OR MORE)	$1	Not stated	None
Digital & Electronic
ACH Origination Changes	$5	Not stated	None
ACH Origination Start Up Fees	$15	Not stated	None
ACH Return (per presentment)	$10	per item	None
Account Services
Member Notary Service	No charge	Not stated	None
Non-Member Notary Service	$10	Not stated	None
Garnishment Fee	$50	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$3	Not stated	None
Other Fees
Copies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	Copies (per page) \| $0.25
Fax (per page)	$0.50Not compared: Charged per page; comparison unavailable	per page	Fax (per page) \| $0.50

Correct a fee source

Oct 31, 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.