Academic Employees Federal Credit Union

Headquarters: Columbia, Missouri
Charter: Credit Union
Assets: $17.2M
Fed district: St. Louis

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

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Academic Employees Federal Credit Union: $30
Academic Employees Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Academic Employees Federal Credit Union: $1 to $2
Academic Employees Federal Credit Union: $1 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
Academic Employees Federal Credit Union: $20
Academic Employees Federal Credit Union: $20
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 Missouri, the St. Louis 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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 Academic Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 90 days of opening$25
Dormant account fee$5
per month
Account research/reconciling (1 hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Return mail processing fee$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee for qualifying members$30

ATM & Card

ATM transactions @ Non AECU owned machines$1
ATM/Debit Card Transaction Denials$2
ATM/Debit Replacement Card$15

Wire Transfers

Western Union wire transfer (domestic, outgoing)$20
Wire transfer (domestic, outgoing)$20
Wire transfer (all incoming)$2
Wire transfer (foreign, outgoing)$40

Check Services

Stop payment request, series$20
Stop payment request, single item or ACH$15
Check cashing ‐ members (If less than on deposit)$8
Collection Fee$25
Copy of cleared check (free on internet account access)$5

Digital & Electronic

Online Bill PayNo charge
Online Bill Pay$6
per month

Gift & Prepaid Cards

Visa Gift Card$3.75

Other Fees

Fax Services (No Overseas)$1
Not compared: Charged per page; comparison unavailable
per page
Statement copy$3

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$25	Not stated	None
Dormant account fee	$5	per month	None
Account research/reconciling (1 hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Return mail processing fee	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee for qualifying members	$30	Not stated	None
ATM & Card
ATM transactions @ Non AECU owned machines	$1	Not stated	None
ATM/Debit Card Transaction Denials	$2	Not stated	None
ATM/Debit Replacement Card	$15	Not stated	None
Wire Transfers
Western Union wire transfer (domestic, outgoing)	$20	Not stated	None
Wire transfer (domestic, outgoing)	$20	Not stated	None
Wire transfer (all incoming)	$2	Not stated	None
Wire transfer (foreign, outgoing)	$40	Not stated	None
Check Services
Stop payment request, series	$20	Not stated	None
Stop payment request, single item or ACH	$15	Not stated	None
Check cashing ‐ members (If less than on deposit)	$8	Not stated	None
Collection Fee	$25	Not stated	None
Copy of cleared check (free on internet account access)	$5	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Online Bill Pay	$6	per month	None
Gift & Prepaid Cards
Visa Gift Card	$3.75	Not stated	None
Other Fees
Fax Services (No Overseas)	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement copy	$3	Not stated	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.

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