American 1 Federal Credit Union

Headquarters: Jackson, Michigan
Charter: Credit Union
Assets: $661.3M
Fed district: Chicago

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

Source: its fee schedule, read Oct 12, 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)
American 1 Federal Credit Union: $25
American 1 Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
American 1 Federal Credit Union: $25
American 1 Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
American 1 Federal Credit Union: $1
American 1 Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 American 1 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Money Market Low Balance Fee (below $5,000.00)$5
per month
Monthly Premier Checking Low Balance Fee (below $2,000.00)$5
per month
Inactive Account (monthly fee for accounts inactive for two years)$2
per month
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Returned Mail Fee (per month)$5
per month

Overdraft & NSF

Card Overdraft Fee$25
Courtesy Pay$25
Courtesy Pay charge (audience not stated, treated as personal)$25
per item
Overdraft/NSF Fee$25
Electronic Funds NSF Fee$25
Returned Item Fee$25

ATM & Card

Foreign ATM Fee (withdrawals & inquiries)$1
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer Fee (Domestic)$10

Check Services

Cashier Check$2
Money Orders$1
Stop Payment$25
Starter Check (per page)$1
per item
Check Cashing Fee$5
Check Copy$2
per item

Cash & Deposit

Coin Machine7%

Account Services

Garnishment/Levy Processing Fee$50

Other Fees

Statement Copy (per page)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Money Market Low Balance Fee (below $5,000.00)	$5	per month	None
Monthly Premier Checking Low Balance Fee (below $2,000.00)	$5	per month	None
Inactive Account (monthly fee for accounts inactive for two years)	$2	per month	None
Account Reconciliation (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10	Not stated	None
Returned Mail Fee (per month)	$5	per month	None
Overdraft & NSF
Card Overdraft Fee	$25	Not stated	None
Courtesy Pay	$25	Not stated	None
Courtesy Pay charge (audience not stated, treated as personal)	$25	per item	None
Overdraft/NSF Fee	$25	Not stated	None
Electronic Funds NSF Fee	$25	Not stated	None
Returned Item Fee	$25	Not stated	None
ATM & Card
Foreign ATM Fee (withdrawals & inquiries)	$1	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Fee (Domestic)	$10	Not stated	None
Check Services
Cashier Check	$2	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment	$25	Not stated	None
Starter Check (per page)	$1	per item	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$2	per item	None
Cash & Deposit
Coin Machine	7%	Not stated	None
Account Services
Garnishment/Levy Processing Fee	$50	Not stated	None
Other Fees
Statement Copy (per page)	$2	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Money Market Low Balance Fee (below $5,000.00)$5
per month
Monthly Premier Checking Low Balance Fee (below $2,000.00)$5
per month
Inactive Account (monthly fee for accounts inactive for two years)$2
per month
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Paper Statement/Mailed Statement fee (waived with eStatements)$5
Returned Mail Fee (per month)$5
per month

Overdraft & NSF

Card Overdraft Fee$25
Courtesy Pay$25
Overdraft/NSF Fee$25
Electronic Funds NSF Fee$25
Returned Item Fee$25

ATM & Card

Foreign ATM Fee (withdrawals & inquiries)$1
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer Fee (Domestic)$10

Check Services

Cashier Check$2
Money Orders$1
Stop Payment$25
Starter Check (per page)$1
per item
Check Cashing Fee$5
Check Copy$2
per item

Cash & Deposit

Coin Machine7%

Account Services

Garnishment/Levy Processing Fee$50

Other Fees

Statement Copy (per page)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Money Market Low Balance Fee (below $5,000.00)	$5	per month	None
Monthly Premier Checking Low Balance Fee (below $2,000.00)	$5	per month	None
Inactive Account (monthly fee for accounts inactive for two years)	$2	per month	None
Account Reconciliation (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10	Not stated	None
Paper Statement/Mailed Statement fee (waived with eStatements)	$5	Not stated	None
Returned Mail Fee (per month)	$5	per month	None
Overdraft & NSF
Card Overdraft Fee	$25	Not stated	None
Courtesy Pay	$25	Not stated	None
Overdraft/NSF Fee	$25	Not stated	None
Electronic Funds NSF Fee	$25	Not stated	None
Returned Item Fee	$25	Not stated	None
ATM & Card
Foreign ATM Fee (withdrawals & inquiries)	$1	Not stated	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Fee (Domestic)	$10	Not stated	None
Check Services
Cashier Check	$2	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment	$25	Not stated	None
Starter Check (per page)	$1	per item	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$2	per item	None
Cash & Deposit
Coin Machine	7%	Not stated	None
Account Services
Garnishment/Levy Processing Fee	$50	Not stated	None
Other Fees
Statement Copy (per page)	$2	per item	None

Correct a fee source

Oct 12, 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 American 1 Federal Credit Union's early account closure 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)
American 1 Federal Credit Union: $25
American 1 Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
American 1 Federal Credit Union: $25
American 1 Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
American 1 Federal Credit Union: $1
American 1 Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 American 1 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Money Market Low Balance Fee (below $5,000.00)$5
per month
Monthly Premier Checking Low Balance Fee (below $2,000.00)$5
per month
Inactive Account (monthly fee for accounts inactive for two years)$2
per month
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Returned Mail Fee (per month)$5
per month

Overdraft & NSF

Card Overdraft Fee$25
Courtesy Pay$25
Courtesy Pay charge (audience not stated, treated as personal)$25
per item
Overdraft/NSF Fee$25
Electronic Funds NSF Fee$25
Returned Item Fee$25

ATM & Card

Foreign ATM Fee (withdrawals & inquiries)$1
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer Fee (Domestic)$10

Check Services

Cashier Check$2
Money Orders$1
Stop Payment$25
Starter Check (per page)$1
per item
Check Cashing Fee$5
Check Copy$2
per item

Cash & Deposit

Coin Machine7%

Account Services

Garnishment/Levy Processing Fee$50

Other Fees

Statement Copy (per page)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Money Market Low Balance Fee (below $5,000.00)	$5	per month	None
Monthly Premier Checking Low Balance Fee (below $2,000.00)	$5	per month	None
Inactive Account (monthly fee for accounts inactive for two years)	$2	per month	None
Account Reconciliation (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10	Not stated	None
Returned Mail Fee (per month)	$5	per month	None
Overdraft & NSF
Card Overdraft Fee	$25	Not stated	None
Courtesy Pay	$25	Not stated	None
Courtesy Pay charge (audience not stated, treated as personal)	$25	per item	None
Overdraft/NSF Fee	$25	Not stated	None
Electronic Funds NSF Fee	$25	Not stated	None
Returned Item Fee	$25	Not stated	None
ATM & Card
Foreign ATM Fee (withdrawals & inquiries)	$1	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Fee (Domestic)	$10	Not stated	None
Check Services
Cashier Check	$2	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment	$25	Not stated	None
Starter Check (per page)	$1	per item	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$2	per item	None
Cash & Deposit
Coin Machine	7%	Not stated	None
Account Services
Garnishment/Levy Processing Fee	$50	Not stated	None
Other Fees
Statement Copy (per page)	$2	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly Money Market Low Balance Fee (below $5,000.00)$5
per month
Monthly Premier Checking Low Balance Fee (below $2,000.00)$5
per month
Inactive Account (monthly fee for accounts inactive for two years)$2
per month
Account Reconciliation (per hour)$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Paper Statement/Mailed Statement fee (waived with eStatements)$5
Returned Mail Fee (per month)$5
per month

Overdraft & NSF

Card Overdraft Fee$25
Courtesy Pay$25
Overdraft/NSF Fee$25
Electronic Funds NSF Fee$25
Returned Item Fee$25

ATM & Card

Foreign ATM Fee (withdrawals & inquiries)$1
Foreign Transaction Fee1%of the transaction
per transaction

Wire Transfers

Wire Transfer Fee (Domestic)$10

Check Services

Cashier Check$2
Money Orders$1
Stop Payment$25
Starter Check (per page)$1
per item
Check Cashing Fee$5
Check Copy$2
per item

Cash & Deposit

Coin Machine7%

Account Services

Garnishment/Levy Processing Fee$50

Other Fees

Statement Copy (per page)$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Money Market Low Balance Fee (below $5,000.00)	$5	per month	None
Monthly Premier Checking Low Balance Fee (below $2,000.00)	$5	per month	None
Inactive Account (monthly fee for accounts inactive for two years)	$2	per month	None
Account Reconciliation (per hour)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10	Not stated	None
Paper Statement/Mailed Statement fee (waived with eStatements)	$5	Not stated	None
Returned Mail Fee (per month)	$5	per month	None
Overdraft & NSF
Card Overdraft Fee	$25	Not stated	None
Courtesy Pay	$25	Not stated	None
Overdraft/NSF Fee	$25	Not stated	None
Electronic Funds NSF Fee	$25	Not stated	None
Returned Item Fee	$25	Not stated	None
ATM & Card
Foreign ATM Fee (withdrawals & inquiries)	$1	Not stated	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer Fee (Domestic)	$10	Not stated	None
Check Services
Cashier Check	$2	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment	$25	Not stated	None
Starter Check (per page)	$1	per item	None
Check Cashing Fee	$5	Not stated	None
Check Copy	$2	per item	None
Cash & Deposit
Coin Machine	7%	Not stated	None
Account Services
Garnishment/Levy Processing Fee	$50	Not stated	None
Other Fees
Statement Copy (per page)	$2	per item	None

Correct a fee source

Oct 12, 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.