Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Academic Employees Federal Credit Union

Columbia, MissouriCredit UnionSt. Louis Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account closed within 90 days of opening$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=early_closure; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Account closed within 90 days of opening | $25.00" · Source

Account research/reconciling (1 hour minimum)$20

$5 below the national median

Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=account_research; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Account research/reconciling (1 hour minimum) | $20.00 per hour" · Source

Dormant account fee$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=dormant_account; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Dormant account fee | $5.00 per month" · Source

Paper Statement Fee$2

$1 below the national median

Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=paper_statement; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Paper Statement Fee | $2.00 per statement" · Source

Overdraft & NSFVerified

Courtesy Pay Fee for qualifying members$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=overdraft; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Courtesy Pay Fee for qualifying members | $30.00" · Source

ATM & CardVerified

ATM surcharge @ AECU machines to non AECU cardholders$2.50Within the typical range ($1–$2.50 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=atm_non_network; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="ATM surcharge @ AECU machines to non AECU cardholders | $2.50" · Source
ATM transactions @ Non AECU owned machines$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=atm_non_network; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="ATM transactions @ Non AECU owned machines | $1.00" · Source
ATM/Debit Card (1st Card to qualifying applicants)$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #4700. canonical_hint=atm_non_network; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="ATM/Debit Card (1st Card to qualifying applicants) | FREE" · Source
ATM/Debit Card Transaction Denials$2Within the typical range ($1–$2.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=atm_non_network; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="ATM/Debit Card Transaction Denials | $2.00" · Source
ATM/Debit Replacement Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=card_replacement; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="ATM/Debit Replacement Card | $15.00" · Source

Wire TransfersVerified

Western Union wire transfer (domestic, outgoing)$20Within the typical range ($20–$25 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=wire_domestic_outgoing; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Western Union wire transfer (domestic, outgoing) | $20.00" · Source
Wire transfer (foreign, outgoing)$40Within the typical range ($40–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=wire_intl_outgoing; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Wire transfer (foreign, outgoing) | $40.00" · Source

Check ServicesVerified

Check cashing ‐ members (If less than on deposit)$8Within the typical range ($5–$10 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=check_cashing; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Check cashing ‐ members (If less than $100 on deposit) | $8.00" · Source
Copy of cleared check (free on internet account access)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=check_image; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Copy of cleared check (free on internet account access) | $5.00" · Source
Stop payment request, series$20Within the typical range ($20–$30 nationally)
$5.50 below the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=stop_payment; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Stop payment request, series | $20.00" · Source
Stop payment request, single item or ACH$15Below the typical range ($20–$30 nationally)
$10.50 below the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=stop_payment; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Stop payment request, single item or ACH | $15.00" · Source

Digital & ElectronicVerified

Online Bill Pay$0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
Knox read a free fee from Rosetta artifact #4700. canonical_hint=bill_pay; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Online Bill Pay | FREE" · Source

Gift & Prepaid CardsVerified

Visa Gift Card$3.75Within the typical range ($3–$4.50 nationally)
$0.25 above the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=gift_card_purchase; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Visa Gift Card | $3.75" · Source

Other FeesVerified

Statement copy$3Within the typical range ($2–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=document_reproduction; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Statement copy | $3.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closed within 90 days of opening	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=early_closure; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Account closed within 90 days of opening \| $25.00"	Source
Account research/reconciling (1 hour minimum)	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=account_research; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Account research/reconciling (1 hour minimum) \| $20.00 per hour"	Source
Dormant account fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=dormant_account; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Dormant account fee \| $5.00 per month"	Source
Paper Statement Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=paper_statement; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Paper Statement Fee \| $2.00 per statement"	Source
Overdraft & NSFVerified
Courtesy Pay Fee for qualifying members	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=overdraft; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Courtesy Pay Fee for qualifying members \| $30.00"	Source
ATM & CardVerified
ATM surcharge @ AECU machines to non AECU cardholders	$2.50Within the typical range ($1–$2.50 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=atm_non_network; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="ATM surcharge @ AECU machines to non AECU cardholders \| $2.50"	Source
ATM transactions @ Non AECU owned machines
Wire TransfersVerified
Western Union wire transfer (domestic, outgoing)	$20Within the typical range ($20–$25 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=wire_domestic_outgoing; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Western Union wire transfer (domestic, outgoing) \| $20.00"	Source
Wire transfer (foreign, outgoing)
Check ServicesVerified
Check cashing ‐ members (If less than on deposit)	$8Within the typical range ($5–$10 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=check_cashing; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Check cashing ‐ members (If less than $100 on deposit) \| $8.00"	Source
Copy of cleared check (free on internet account access)
Digital & ElectronicVerified
Online Bill Pay	$0Within the typical range ($0–$11.29 nationally)	$4.97 below the national median	—	Knox read a free fee from Rosetta artifact #4700. canonical_hint=bill_pay; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Online Bill Pay \| FREE"	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$3.75Within the typical range ($3–$4.50 nationally)	$0.25 above the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=gift_card_purchase; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Visa Gift Card \| $3.75"	Source
Other FeesVerified
Statement copy	$3Within the typical range ($2–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4700. canonical_hint=document_reproduction; text_hash=000d21e6507f7fe049520c14029e2188bb0bcd3e2957ee2e710ecd105fa464d6; excerpt="Statement copy \| $3.00 per statement"	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.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 19 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$17.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$17.2M

Total deposits

$15.8M

Service charge income (year to date)

$30K

Fee income ratio

6.3%

Return on assets

1.35%

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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