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, $1B to $10B

Guardian Federal Credit Union

Prattville, AlabamaCredit UnionAtlanta Fed districtFees collected Oct 4, 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

Club Account Early Withdrawal$0Below the typical range ($10–$25 nationally)

$17.50 below the national median$10 below the Alabama median

Dormant Account (no activity for 12 months and <$100 balance)$10

$5 above the national median$4.51 above the Alabama median

per month · Source

Account research$20

$2.50 above the national median$5 above the Alabama median

Source

Bad Address$5

$12.50 below the national median$10 below the Alabama median

per month · Source

Money Market Account Excessive Withdrawals (6 or more per month)$0

$17.50 below the national median$15 below the Alabama median

per month · Source

Overdraft & NSFVerified

Courtesy Pay$26Within the typical range ($25–$33 nationally)
$4 below the national median$4 below the Alabama median
per item · Source
Overdraft Transfer$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$3.50 below the Alabama median
Source

ATM & CardVerified

Replacement Debit Card$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Alabama median
per item · Source

Wire TransfersVerified

Wire Transfer - Domestic outbound/inbound$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Alabama median
per item · Source
Wire Transfer - Foreign outbound$35Below the typical range ($40–$50 nationally)
$15 below the national median$15 below the Alabama median
per item · Source

Check ServicesVerified

Official Check$0Below the typical range ($3–$6 nationally)
$5 below the national median$5 below the Alabama median
Source
Money Order$0Below the typical range ($1.50–$3 nationally)
$2 below the national median$2 below the Alabama median
Source
Stop Payment - Single Item or Series$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4 below the Alabama median
per item · Source
Check Cashing$0Below the typical range ($5–$10 nationally)
$5 below the national median$6.25 below the Alabama median
Source
Check Copies$0Below the typical range ($2–$5 nationally)
$3 below the national median$2 below the Alabama median
Source

Digital & ElectronicVerified

Dormant Bill Pay (no activity for 3 months or more)$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national median$4.22 below the Alabama median
Source

Cash & DepositVerified

Returned Deposit Item$17Within the typical range ($8–$25 nationally)
$2 above the national median$3.50 above the Alabama median
per item · Source

Account ServicesVerified

Safe Deposit Box 10x10$55Within the typical range ($30–$70 nationally)
$10 above the national median$15 above the Alabama median
per year · Source
Safe Deposit Box 3x10$30Within the typical range ($30–$70 nationally)
$15 below the national median$10 below the Alabama median
per year · Source
Safe Deposit Box 3x5$17Below the typical range ($30–$70 nationally)
$28 below the national median$23 below the Alabama median
per year · Source
Safe Deposit Box 5x10$40Within the typical range ($30–$70 nationally)
$5 below the national medianAt the Alabama median
per year · Source
Safe Deposit Box 5x5$20Below the typical range ($30–$70 nationally)
$25 below the national median$20 below the Alabama median
per year · Source
Garnishment/Levy Administration$50Within the typical range ($30–$89.38 nationally)
At the national medianAt the Alabama median
per item · Source

Other FeesVerified

Rush Delivery$30Within the typical range ($20–$40 nationally)
At the national median
per item · Source
Account Statement Copies$0Below the typical range ($2–$5 nationally)
$3 below the national median$2 below the Alabama median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Club Account Early Withdrawal	$0Below the typical range ($10–$25 nationally)	$17.50 below the national median$10 below the Alabama median	—	—	Source
Dormant Account (no activity for 12 months and <$100 balance)	$10Within the typical range ($5–$10 nationally)	$5 above the national median$4.51 above the Alabama median	per month	—	Source
Account research	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$5 above the Alabama median	—	—	Source
Bad Address	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$10 below the Alabama median	per month	—	Source
Money Market Account Excessive Withdrawals (6 or more per month)	$0Below the typical range ($12–$25 nationally)	$17.50 below the national median$15 below the Alabama median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay	$26Within the typical range ($25–$33 nationally)	$4 below the national median$4 below the Alabama median	per item	—	Source
Overdraft Transfer	$0
ATM & CardVerified
Replacement Debit Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median$5 below the Alabama median	per item	—	Source
Wire TransfersVerified
Wire Transfer - Domestic outbound/inbound	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the Alabama median	per item	—	Source
Wire Transfer - Foreign outbound	$35
Check ServicesVerified
Official Check	$0Below the typical range ($3–$6 nationally)	$5 below the national median$5 below the Alabama median	—	—	Source
Money Order	$0
Digital & ElectronicVerified
Dormant Bill Pay (no activity for 3 months or more)	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national median$4.22 below the Alabama median	—	—	Source
Cash & DepositVerified
Returned Deposit Item	$17Within the typical range ($8–$25 nationally)	$2 above the national median$3.50 above the Alabama median	per item	—	Source
Account ServicesVerified
Safe Deposit Box 10x10	$55Within the typical range ($30–$70 nationally)	$10 above the national median$15 above the Alabama median	per year	—	Source
Safe Deposit Box 3x10	$30
Other FeesVerified
Rush Delivery	$30Within the typical range ($20–$40 nationally)	At the national median	per item	—	Source
Account Statement Copies	$0Below the typical range ($2–$5 nationally)

Fee change alerts

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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

$26

Overdraft fee: $26

13% below the national median overdraft fee

25 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$1.3B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.3B

Total deposits

$1.0B

Service charge income (year to date)

$7.3M

Fee income ratio

14.0%

Return on assets

1.18%

Financial profile · Pro

Performance from regulator filings

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