Guardian Federal Credit Union

Headquarters: Prattville, Alabama
Charter: Credit Union
Assets: $1.3B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 18, 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)
Guardian Federal Credit Union: $26
Guardian Federal Credit Union: $26
U.S. median: no median
Wire Transfer (Domestic Out)
Guardian Federal Credit Union: $15
Guardian Federal Credit Union: $15
U.S. median: no median
Stop Payment
Guardian Federal Credit Union: $25
Guardian Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta 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).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Guardian Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (no activity for 12 months and <$100 balance)$10
per month
Account research$20
Not compared: Charged per hour; comparison unavailable
per hour
Money Market Account Excessive Withdrawals (6 or more per month)No charge
Not compared: Monthly charge, not per item
per month
Bad Address$5
per month

Overdraft & NSF

Courtesy Pay$26
per item
Overdraft TransferNo charge

ATM & Card

Replacement Debit Card$5
per item

Wire Transfers

Wire Transfer - Domestic outbound/inbound$15
per item
Wire Transfer - Foreign outbound$35
per item

Check Services

Official CheckNo charge
Money OrderNo charge
Stop Payment - Single Item or Series$25
per item
Check CashingNo charge
Check CopiesNo charge

Digital & Electronic

Dormant Bill Pay (no activity for 3 months or more)No charge

Cash & Deposit

Returned Deposit Item$17
per item

Account Services

Safe Deposit Box 10x10$55
per year
Safe Deposit Box 3x10$30
per year
Safe Deposit Box 3x5$17
per year
Safe Deposit Box 5x10$40
per year
Safe Deposit Box 5x5$20
per year
Garnishment/Levy Administration$50
per item

Other Fees

Rush Delivery$30
per item
Account Statement CopiesNo charge

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (no activity for 12 months and <$100 balance)	$10	per month	None
Account research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Money Market Account Excessive Withdrawals (6 or more per month)	No chargeNot compared: Monthly charge, not per item	per month	None
Bad Address	$5	per month	None
Overdraft & NSF
Courtesy Pay	$26	per item	None
Overdraft Transfer	No charge	Not stated	None
ATM & Card
Replacement Debit Card	$5	per item	None
Wire Transfers
Wire Transfer - Domestic outbound/inbound	$15	per item	None
Wire Transfer - Foreign outbound	$35	per item	None
Check Services
Official Check	No charge	Not stated	None
Money Order	No charge	Not stated	None
Stop Payment - Single Item or Series	$25	per item	None
Check Cashing	No charge	Not stated	None
Check Copies	No charge	Not stated	None
Digital & Electronic
Dormant Bill Pay (no activity for 3 months or more)	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item	$17	per item	None
Account Services
Safe Deposit Box 10x10	$55	per year	None
Safe Deposit Box 3x10	$30	per year	None
Safe Deposit Box 3x5	$17	per year	None
Safe Deposit Box 5x10	$40	per year	None
Safe Deposit Box 5x5	$20	per year	None
Garnishment/Levy Administration	$50	per item	None
Other Fees
Rush Delivery	$30	per item	None
Account Statement Copies	No charge	Not stated	None

Correct a fee source

Oct 18, 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 Guardian Federal Credit Union's nsf / returned item changes in our data

We check once a day and send one email covering every change.