Mygeorgia Federal Credit Union

Headquarters: Gainesville, Georgia
Charter: Credit Union
Assets: $258.5M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 17, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $7.50, the middle of its prices
Mygeorgia Federal Credit Union: $5 to $10
Mygeorgia Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Mygeorgia Federal Credit Union: $32
Mygeorgia Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Mygeorgia Federal Credit Union: $32
Mygeorgia Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, 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).
Georgia: Banks and credit unions headquartered in Georgia 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.

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Published fee schedule

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

Account Maintenance

MyAccess Plus Checking Monthly service Fee on balance below $1,500$5
per month
Secured Checking Monthly Service Fee$10
per month
Dormant Account Fee after 24 months of inactivity (per year)$20
Not compared: Annual charge, not monthly
per year
Account Research and Balancing Fee (hourly charge)$10
Not compared: Charged per hour; comparison unavailable
per hour
Christmas & Vacation Club Account Excessive Withdrawal$25
Money Market Account Excessive Withdrawal Fee after 6 per month (checks, transfers, cash, online)$10
Savings Account Excess Withdrawal Fee for each withdrawal$5
per item

Overdraft & NSF

Overdraft and Non-Sufficient Funds (NSF) (per check)$32
per item
Overdraft and Non-Sufficient Funds (NSF) (per check)$32
per item
Overdraft Transfer Fee from Savings or Line of Credit$5

ATM & Card

ATM Transaction Fee with Savings only (per transaction)$1
per item
ATM/Debit Card Replacement Fee (per card)$10
per item

Wire Transfers

Wire Transfer (Outgoing) Domestic$15
Wire Transfer (Incoming) Domestic$10
Wire Transfer (Outgoing) International$30

Check Services

Cashier Checks (per check)$5
per item
Money Orders; $1,000 maximum check (per check)$1
per item
Stop Payment (per check)$32
per item
Check Copy, Account Photocopy or Printout (per page)$2
Not compared: Charged per page; comparison unavailable
per page

Cash & Deposit

Deposited Items Returned (per check)$15
per item

Account Services

Notary Service (non-member)$1
Garnishments, Executions, Levies (per occurrence)$50
per item

Fee	Amount	Basis	Note
Account Maintenance
MyAccess Plus Checking Monthly service Fee on balance below $1,500	$5	per month	None
Secured Checking Monthly Service Fee	$10	per month	None
Dormant Account Fee after 24 months of inactivity (per year)	$20Not compared: Annual charge, not monthly	per year	None
Account Research and Balancing Fee (hourly charge)	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Christmas & Vacation Club Account Excessive Withdrawal	$25	Not stated	None
Money Market Account Excessive Withdrawal Fee after 6 per month (checks, transfers, cash, online)	$10	Not stated	None
Savings Account Excess Withdrawal Fee for each withdrawal	$5	per item	None
Overdraft & NSF
Overdraft and Non-Sufficient Funds (NSF) (per check)	$32	per item	None
Overdraft and Non-Sufficient Funds (NSF) (per check)	$32	per item	None
Overdraft Transfer Fee from Savings or Line of Credit	$5	Not stated	None
ATM & Card
ATM Transaction Fee with Savings only (per transaction)	$1	per item	None
ATM/Debit Card Replacement Fee (per card)	$10	per item	None
Wire Transfers
Wire Transfer (Outgoing) Domestic	$15	Not stated	None
Wire Transfer (Incoming) Domestic	$10	Not stated	None
Wire Transfer (Outgoing) International	$30	Not stated	None
Check Services
Cashier Checks (per check)	$5	per item	None
Money Orders; $1,000 maximum check (per check)	$1	per item	None
Stop Payment (per check)	$32	per item	None
Check Copy, Account Photocopy or Printout (per page)	$2Not compared: Charged per page; comparison unavailable	per page	None
Cash & Deposit
Deposited Items Returned (per check)	$15	per item	None
Account Services
Notary Service (non-member)	$1	Not stated	None
Garnishments, Executions, Levies (per occurrence)	$50	per item	None

Correct a fee source

Oct 17, 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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