Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $300M to $1B

America'S Federal Credit Union

Garland, TexasCredit UnionDallas Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Closed Account Fee (any savings acct closed within 6 months of opening)$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=early_closure; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Closed Account Fee (any savings acct closed within 6 months of opening) | $25" · Source

Monthly Service Fee$6

$0.13 below the national median

per month · Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Monthly Service Fee | $6/mo" · Source

Monthly Service Fee$0

$6.13 below the national median

per month · Knox read a free fee from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Monthly Service Fee | $0" · Source

Monthly Service Fee, w/direct deposit$10

$3.87 above the national median

Monthly Service Fee, w/o direct deposit$15

$8.87 above the national median

Otherwise, Monthly Service Fee$5

$1.13 below the national median

Overdraft & NSFVerified

Insufficient Funds (NSF)- Business Accounts$40Above the typical range ($25–$32 nationally)
$11 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=nsf; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Insufficient Funds (NSF)- Business Accounts | $40 per presentment" · Source
Insufficient Funds (NSF)- Flexible Checking$37Above the typical range ($25–$32 nationally)
$8 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=nsf; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Insufficient Funds (NSF)- Flexible Checking | $37 per presentment" · Source
Overdraft Protection$0Below the typical range ($20–$30 nationally)
$28 below the national median
Knox read a free fee from Rosetta artifact #2437. canonical_hint=overdraft; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Overdraft Protection | Free" · Source

ATM & CardVerified

ACU ATM Network$0Below the typical range ($1–$3 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #2437. canonical_hint=atm_non_network; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ACU ATM Network | Free" · Source
ATM not part of ACU ATM Network$1Within the typical range ($1–$3 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=atm_non_network; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ATM not part of ACU ATM Network | $1" · Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=cashiers_check; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Cashier's Check | $5" · Source
Money Order$3Within the typical range ($2–$3.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=money_order; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Money Order | $3" · Source

Digital & ElectronicVerified

ACH Debit Origination Return Item$35Above the typical range ($15–$30 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=ach_return; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ACH Debit Origination Return Item | $35 per presentment" · Source
ACH Debit Origination to Deposit Account$5Within the typical range ($5–$20 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=ach_origination; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ACH Debit Origination to Deposit Account | $5" · Source
ACH Debit Origination to Loan 'Check by Phone'$10Within the typical range ($5–$20 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=ach_origination; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ACH Debit Origination to Loan 'Check by Phone' | $10" · Source

Cash & DepositVerified

Chargeback$25Within the typical range ($9.50–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=deposited_item_return; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Chargeback | $25" · Source

Account ServicesVerified

Lien/Levy/Attachment/Garnishment (plus attorney fees)$75Within the typical range ($25–$75 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=garnishment_levy; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Lien/Levy/Attachment/Garnishment (plus attorney fees) | $75" · Source
Safe Deposit Box Late Fee$10Below the typical range ($25–$80 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=safe_deposit_box; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Safe Deposit Box Late Fee | $10" · Source

Gift & Prepaid CardsVerified

VISA® Gift Card$5Above the typical range ($3–$4.95 nationally)
$1.37 above the national median
Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=gift_card_purchase; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="VISA® Gift Card | $5" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Closed Account Fee (any savings acct closed within 6 months of opening)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=early_closure; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Closed Account Fee (any savings acct closed within 6 months of opening) \| $25"	Source
Monthly Service Fee	$6Within the typical range ($4–$12.63 nationally)	$0.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Monthly Service Fee \| $6/mo"	Source
Monthly Service Fee	$0Below the typical range ($4–$12.63 nationally)	$6.13 below the national median	per month	Knox read a free fee from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Monthly Service Fee \| $0"	Source
Monthly Service Fee, w/direct deposit	$10Within the typical range ($4–$12.63 nationally)	$3.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Monthly Service Fee, w/direct deposit \| $10"	Source
Monthly Service Fee, w/o direct deposit	$15Above the typical range ($4–$12.63 nationally)	$8.87 above the national median	per month	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Monthly Service Fee, w/o direct deposit \| $15"	Source
Otherwise, Monthly Service Fee	$5Within the typical range ($4–$12.63 nationally)	$1.13 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=monthly_maintenance; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Otherwise, Monthly Service Fee \| $5/mo"	Source
Overdraft & NSFVerified
Insufficient Funds (NSF)- Business Accounts	$40Above the typical range ($25–$32 nationally)	$11 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=nsf; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Insufficient Funds (NSF)- Business Accounts \| $40 per presentment"	Source
Insufficient Funds (NSF)- Flexible Checking
ATM & CardVerified
ACU ATM Network	$0Below the typical range ($1–$3 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #2437. canonical_hint=atm_non_network; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ACU ATM Network \| Free"	Source
ATM not part of ACU ATM Network	$1
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=cashiers_check; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Cashier's Check \| $5"	Source
Money Order	$3
Digital & ElectronicVerified
ACH Debit Origination Return Item	$35Above the typical range ($15–$30 nationally)	$10 above the national median	per item	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=ach_return; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="ACH Debit Origination Return Item \| $35 per presentment"	Source
ACH Debit Origination to Deposit Account
Cash & DepositVerified
Chargeback	$25Within the typical range ($9.50–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=deposited_item_return; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Chargeback \| $25"	Source
Account ServicesVerified
Lien/Levy/Attachment/Garnishment (plus attorney fees)	$75Within the typical range ($25–$75 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=garnishment_levy; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="Lien/Levy/Attachment/Garnishment (plus attorney fees) \| $75"	Source
Safe Deposit Box Late Fee
Gift & Prepaid CardsVerified
VISA® Gift Card	$5Above the typical range ($3–$4.95 nationally)	$1.37 above the national median	—	Knox deterministic extraction from Rosetta artifact #2437. canonical_hint=gift_card_purchase; text_hash=20489e3a084314547c5d4b07ef74fdc9466b745cc80ebaacae9c0da1e54ca451; excerpt="VISA® Gift Card \| $5"	Source

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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.

NSF fee: $40

38% above the national median NSF fee

Total fees: 20 — leaner than most institutions

Verified fees

Under review

Assets

$427.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$427.6M

Total deposits

$362.2M

Service charge income (year to date)

$1.2M

Fee income ratio

8.8%

Return on assets

0.02%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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