Red Oak Federal Credit Union

Headquarters: Tuscaloosa, Alabama
Charter: Credit Union
Assets: $40.1M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 19, 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)
Red Oak Federal Credit Union: $35
Red Oak Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Red Oak Federal Credit Union: $35
Red Oak Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Red Oak Federal Credit Union: $2
Red Oak 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 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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

Red Oak Federal Credit Union · $40M 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 19 states.

Credit unions only
$39M to $41M in assets
Headquartered in 19 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
Red Oak Federal Credit Union(this institution)	Tuscaloosa, AL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
A & S Federal Credit Union	Aliquippa, PA	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chaves County School Employees Federal Credit Union	Roswell, NM	$40M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Connection Federal Credit Union	Silverdale, WA	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union One of Oklahoma	Oklahoma City, OK	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Diablo Valley Federal Credit Union	Concord, CA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Community Federal Credit Union	Sandusky, OH	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Golden Valley Federal Credit Union	Manteca, CA	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grand Trunk Battle Creek Emp Federal Credit Union	Battle Creek, MI	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hotel And Travel Industry Federal Credit Union	Honolulu, HI	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jax Fire Federal Credit Union	Jacksonville, FL	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Keystone Federal Credit Union	Tyler, TX	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
M O Federal Credit Union	Huron, SD	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
M.P.D. Community Federal Credit Union	Nashville, TN	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Manchester Municipal Federal Credit Union	Manchester, CT	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Niagara Regional Federal Credit Union	North Tonawanda, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patent And Trademark Office Federal Credit Union	Alexandria, VA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pee Dee Federal Credit Union	Florence, SC	$41M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Planites Federal Credit Union	Chicago, IL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Public Service Federal Credit Union	Middlesex, NJ	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
San Angelo Federal Credit Union	San Angelo, TX	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sioux Valley Coop Federal Credit Union	Watertown, SD	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Utica District Telephone Employees Federal Credit Union	Utica, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valex Federal Credit Union	Alexandria, LA	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Visionary Federal Credit Union	Bridgeville, PA	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westchester Schools' Federal Credit Union	Rye Brook, NY	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Out-of-network ATM is $1 (100%) above the median of similar-sized credit unions.

Its published price is $2, against a peer median of $1 among 13 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 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Red Oak Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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 Red Oak Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Share Account Closure (<90 days)$5
Dormant Account (Monthly)$5
per month
Research (Hourly)$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee$5
Bad Address (Monthly)$10
per month

Overdraft & NSF

Courtesy Pay$35
Non-Sufficient Funds (NSF)$35

ATM & Card

ATM Transactions (Foreign)$2
ATM/Debit Card (Replacement)$10

Check Services

Credit Union Official Check$5
Stop Payment (ACH / Check)$35
per item
Check Copies (Per item)$3
per item
Statement Copies (Per item)$5
per item

Digital & Electronic

Bill Pay (Free w/e-statements)$4.95

Cash & Deposit

Returned Deposit (Check)$25

Account Services

Garnishments / Levy / Escheatment$50

Gift & Prepaid Cards

VISA Gift Card$3
per item

Other Fees

Loan Payment By Phone$9.95

Fee	Amount	Basis	Note
Account Maintenance
Share Account Closure (<90 days)	$5	Not stated	None
Dormant Account (Monthly)	$5	per month	None
Research (Hourly)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee	$5	Not stated	None
Bad Address (Monthly)	$10	per month	None
Overdraft & NSF
Courtesy Pay	$35	Not stated	None
Non-Sufficient Funds (NSF)	$35	Not stated	None
ATM & Card
ATM Transactions (Foreign)	$2	Not stated	None
ATM/Debit Card (Replacement)	$10	Not stated	None
Check Services
Credit Union Official Check	$5	Not stated	None
Stop Payment (ACH / Check)	$35	per item	None
Check Copies (Per item)	$3	per item	None
Statement Copies (Per item)	$5	per item	None
Digital & Electronic
Bill Pay (Free w/e-statements)	$4.95	Not stated	None
Cash & Deposit
Returned Deposit (Check)	$25	Not stated	None
Account Services
Garnishments / Levy / Escheatment	$50	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	per item	None
Other Fees
Loan Payment By Phone	$9.95	Not stated	None

Correct a fee source

Oct 19, 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 Red Oak Federal Credit Union's ach origination 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)
Red Oak Federal Credit Union: $35
Red Oak Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Red Oak Federal Credit Union: $35
Red Oak Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Red Oak Federal Credit Union: $2
Red Oak 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 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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

Red Oak Federal Credit Union · $40M 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 19 states.

Credit unions only
$39M to $41M in assets
Headquartered in 19 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
Red Oak Federal Credit Union(this institution)	Tuscaloosa, AL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
A & S Federal Credit Union	Aliquippa, PA	$39M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chaves County School Employees Federal Credit Union	Roswell, NM	$40M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Connection Federal Credit Union	Silverdale, WA	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union One of Oklahoma	Oklahoma City, OK	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Diablo Valley Federal Credit Union	Concord, CA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Community Federal Credit Union	Sandusky, OH	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Golden Valley Federal Credit Union	Manteca, CA	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grand Trunk Battle Creek Emp Federal Credit Union	Battle Creek, MI	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hotel And Travel Industry Federal Credit Union	Honolulu, HI	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jax Fire Federal Credit Union	Jacksonville, FL	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Keystone Federal Credit Union	Tyler, TX	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
M O Federal Credit Union	Huron, SD	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
M.P.D. Community Federal Credit Union	Nashville, TN	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Manchester Municipal Federal Credit Union	Manchester, CT	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Niagara Regional Federal Credit Union	North Tonawanda, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patent And Trademark Office Federal Credit Union	Alexandria, VA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pee Dee Federal Credit Union	Florence, SC	$41M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Planites Federal Credit Union	Chicago, IL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Public Service Federal Credit Union	Middlesex, NJ	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
San Angelo Federal Credit Union	San Angelo, TX	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sioux Valley Coop Federal Credit Union	Watertown, SD	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Utica District Telephone Employees Federal Credit Union	Utica, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valex Federal Credit Union	Alexandria, LA	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Visionary Federal Credit Union	Bridgeville, PA	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westchester Schools' Federal Credit Union	Rye Brook, NY	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Out-of-network ATM is $1 (100%) above the median of similar-sized credit unions.

Its published price is $2, against a peer median of $1 among 13 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 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Red Oak Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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 Red Oak Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Share Account Closure (<90 days)$5
Dormant Account (Monthly)$5
per month
Research (Hourly)$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee$5
Bad Address (Monthly)$10
per month

Overdraft & NSF

Courtesy Pay$35
Non-Sufficient Funds (NSF)$35

ATM & Card

ATM Transactions (Foreign)$2
ATM/Debit Card (Replacement)$10

Check Services

Credit Union Official Check$5
Stop Payment (ACH / Check)$35
per item
Check Copies (Per item)$3
per item
Statement Copies (Per item)$5
per item

Digital & Electronic

Bill Pay (Free w/e-statements)$4.95

Cash & Deposit

Returned Deposit (Check)$25

Account Services

Garnishments / Levy / Escheatment$50

Gift & Prepaid Cards

VISA Gift Card$3
per item

Other Fees

Loan Payment By Phone$9.95

Fee	Amount	Basis	Note
Account Maintenance
Share Account Closure (<90 days)	$5	Not stated	None
Dormant Account (Monthly)	$5	per month	None
Research (Hourly)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee	$5	Not stated	None
Bad Address (Monthly)	$10	per month	None
Overdraft & NSF
Courtesy Pay	$35	Not stated	None
Non-Sufficient Funds (NSF)	$35	Not stated	None
ATM & Card
ATM Transactions (Foreign)	$2	Not stated	None
ATM/Debit Card (Replacement)	$10	Not stated	None
Check Services
Credit Union Official Check	$5	Not stated	None
Stop Payment (ACH / Check)	$35	per item	None
Check Copies (Per item)	$3	per item	None
Statement Copies (Per item)	$5	per item	None
Digital & Electronic
Bill Pay (Free w/e-statements)	$4.95	Not stated	None
Cash & Deposit
Returned Deposit (Check)	$25	Not stated	None
Account Services
Garnishments / Levy / Escheatment	$50	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	per item	None
Other Fees
Loan Payment By Phone	$9.95	Not stated	None

Correct a fee source

Oct 19, 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.