Verified

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

Community credit union, $1B to $10B

Avadian Federal Credit Union

Birmingham, AlabamaCredit UnionAtlanta Fed districtFees collected Apr 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

ACH-Only Positive Pay Monthly Maintenance …………………………..………………….…………………………………………$20Above the typical range ($5–$17.50 nationally)

per month · Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=monthly_maintenance; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$20.00 ACH-Only Positive Pay Monthly Maintenance …………………………..………………….…………………………………………" · Source

per month 60 days after the returned mail Inactive Checking ……..……………………………………………………………………………………………….....……..$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=dormant_account; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$5.00 per month 60 days after the returned mail Inactive Checking ……..……………………………………………………………………………………………….....…….." · Source

Overdraft & NSFVerified

per item OVERDRAFT SOLUTIONS Overdrawn Balance Between – to – ………………………….………………………………………………….….……….$20Within the typical range ($7.81–$30 nationally)
$2.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=overdraft; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$20.00 per item OVERDRAFT SOLUTIONS Overdrawn Balance Between –$0.01 to –$10.00………………………….………………………………………………….….………." · Source

ATM & CardVerified

International Transaction Fee………………………………………………………… 2% of the transaction amount posted in U.S$7Within the typical range ($2–$10 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=card_foreign_txn; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$7.00 International Transaction Fee………………………………………………………… 2% of the transaction amount posted in U.S" · Source
None At non-Avadian ATMs………………………………………………………………………………………….……$1Within the typical range ($1–$4.99 nationally)
$1 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=atm_non_network; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="None At non-Avadian ATMs………………………………………………………………………………………….…… $1.00 per transaction ATM Transfer or Inquiry Fee At Avadian ATMs.……………………………………………………………………………………………………..…………….…" · Source

Check ServicesVerified

per copy Stop Payment…………………………………………………………………………………………………….………..….$5Below the typical range ($20–$30 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=stop_payment; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$5.00 per copy Stop Payment…………………………………………………………………………………………………….………..…." · Source

Digital & ElectronicVerified

ACH Origination Item — Credit ……………………………………………………………….………………………………….…..……$0.20Below the typical range ($2–$20 nationally)
$7.80 below the national median
Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=ach_origination; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$0.20 ACH Origination Item — Credit ……………………………………………………………….………………………………….…..……" · Source
Business Bill Pay……………………….…………………………………………………………………………………..…… per month Cashier’s Check……………………………………………………………………………………$50Above the typical range ($0–$14.45 nationally)
$44.05 above the national median
per month · Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=bill_pay; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$50.00 Business Bill Pay……………………….…………………………………………………………………………………..…… $5.95 per month Cashier’s Check……………………………………………………………………………………………………………...….." · Source

Account ServicesVerified

per key SDB Drill…………………………………………………………………………………………………………..…………………………$25Within the typical range ($20–$92.36 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=safe_deposit_box; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$25 per key SDB Drill…………………………………………………………………………………………………………..…………………………" · Source
per transfer SAFE DEPOSIT BOXES Annual Rental Fee (Varies based on box size) 3” x 5”………………………………………………………………………………………………$15Below the typical range ($20–$92.36 nationally)
$25 below the national median
per year · Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=safe_deposit_box; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$15.00 per transfer SAFE DEPOSIT BOXES Annual Rental Fee (Varies based on box size) 3” x 5”……………………………………………………………………………………………………………………………….…" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
ACH-Only Positive Pay Monthly Maintenance …………………………..………………….…………………………………………	$20Above the typical range ($5–$17.50 nationally)	$11.50 above the national median	per month	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=monthly_maintenance; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$20.00 ACH-Only Positive Pay Monthly Maintenance …………………………..………………….…………………………………………"	Source
per month 60 days after the returned mail Inactive Checking ……..……………………………………………………………………………………………….....……..	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=dormant_account; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$5.00 per month 60 days after the returned mail Inactive Checking ……..……………………………………………………………………………………………….....…….."	Source
Overdraft & NSFVerified
per item OVERDRAFT SOLUTIONS Overdrawn Balance Between – to – ………………………….………………………………………………….….……….	$20Within the typical range ($7.81–$30 nationally)	$2.50 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=overdraft; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$20.00 per item OVERDRAFT SOLUTIONS Overdrawn Balance Between –$0.01 to –$10.00………………………….………………………………………………….….………."	Source
ATM & CardVerified
International Transaction Fee………………………………………………………… 2% of the transaction amount posted in U.S	$7Within the typical range ($2–$10 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=card_foreign_txn; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$7.00 International Transaction Fee………………………………………………………… 2% of the transaction amount posted in U.S"	Source
Check ServicesVerified
per copy Stop Payment…………………………………………………………………………………………………….………..….	$5Below the typical range ($20–$30 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=stop_payment; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$5.00 per copy Stop Payment…………………………………………………………………………………………………….………..…."	Source
Digital & ElectronicVerified
ACH Origination Item — Credit ……………………………………………………………….………………………………….…..……	$0.20Below the typical range ($2–$20 nationally)	$7.80 below the national median	—	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=ach_origination; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$0.20 ACH Origination Item — Credit ……………………………………………………………….………………………………….…..……"	Source
Account ServicesVerified
per key SDB Drill…………………………………………………………………………………………………………..…………………………	$25Within the typical range ($20–$92.36 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #1076. canonical_hint=safe_deposit_box; text_hash=43e57c428d84a0c74710feac176351bb9499eb1b0df2db17f6a217ad032df5b6; excerpt="$25 per key SDB Drill…………………………………………………………………………………………………………..…………………………"	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

$20

Overdraft fee: $20

11% below the national median overdraft fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$1.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.4B

Total deposits

$1.3B

Service charge income (year to date)

$4.5M

Fee income ratio

9.2%

Return on assets

1.06%

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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