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.

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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.

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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.

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