Family Savings Federal Credit Union

Headquarters: Rainbow City, Alabama
Charter: Credit Union
Assets: $1.2B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
NSPIRE Checking Account
Family Savings Federal Credit Union: $5
Family Savings Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Family Savings Federal Credit Union: $30
Family Savings Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Family Savings Federal Credit Union: $30
Family Savings Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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.

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Published fee schedule

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

Account Maintenance

NSPIRE Checking Account Monthly service charge (audience not stated, treated as personal)$5
per month
Dormant/Inactive Account Fee 1$5
per month
Excessive Withdrawal Fee$1
per item
Returned Mail/Bad Address Fee$5
per month

Overdraft & NSF

Overdraft Privilege Fee$30
Returned Item Fee - ACH$30
Returned Item Fee - Bill Pay Service$30
Returned Item Fee - Share Draft$30

ATM & Card

Debit Card Replacement$5

Wire Transfers

Wire Transfer Fee: Outgoing Domestic$20
Wire Transfer Fee | $20 on Outgoing Outgoing Domestic
Incoming Wires$10
Wire Transfer Fee | $10.00 on Incoming Wires
International Wire Transfer Fee$35

Check Services

Cashier's Check Fee$2
per item
Money Order Fee$2
per item
Stop Payment Fee for Share Draft, ACH or Money Order$30
In-House Counter Check Fee$1
Check Cashing Fee (when applicable)$3
Share Draft Copy Fee$2
per item

Digital & Electronic

Overnight Rush Fee (Bill Pay)$34.95
Second-Day Rush Check Fee (Bill Pay)$29.95
Second-Day Rush Electronic (Bill Pay)$6.95

Cash & Deposit

Returned Deposit Item Fee$15
per item

Account Services

Garnishments$100

Gift & Prepaid Cards

Visa Gift Card$2.95

Other Fees

Copy Fee$0.25
per item
Statement Copy Fee$1
Not compared: Charged per page; comparison unavailable
per page
Skip a Payment Fee (when applicable)$25

Fee	Amount	Basis	Note
Account Maintenance
NSPIRE Checking Account Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Dormant/Inactive Account Fee 1	$5	per month	None
Excessive Withdrawal Fee	$1	per item	None
Returned Mail/Bad Address Fee	$5	per month	None
Overdraft & NSF
Overdraft Privilege Fee	$30	Not stated	None
Returned Item Fee - ACH	$30	Not stated	None
Returned Item Fee - Bill Pay Service	$30	Not stated	None
Returned Item Fee - Share Draft	$30	Not stated	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfer Fee: Outgoing Domestic	$20	Not stated	Wire Transfer Fee \| $20 on Outgoing Outgoing Domestic
Incoming Wires	$10	Not stated	Wire Transfer Fee \| $10.00 on Incoming Wires
International Wire Transfer Fee	$35	Not stated	None
Check Services
Cashier's Check Fee	$2	per item	None
Money Order Fee	$2	per item	None
Stop Payment Fee for Share Draft, ACH or Money Order	$30	Not stated	None
In-House Counter Check Fee	$1	Not stated	None
Check Cashing Fee (when applicable)	$3	Not stated	None
Share Draft Copy Fee	$2	per item	None
Digital & Electronic
Overnight Rush Fee (Bill Pay)	$34.95	Not stated	None
Second-Day Rush Check Fee (Bill Pay)	$29.95	Not stated	None
Second-Day Rush Electronic (Bill Pay)	$6.95	Not stated	None
Cash & Deposit
Returned Deposit Item Fee	$15	per item	None
Account Services
Garnishments	$100	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$2.95	Not stated	None
Other Fees
Copy Fee	$0.25	per item	None
Statement Copy Fee	$1Not compared: Charged per page; comparison unavailable	per page	None
Skip a Payment Fee (when applicable)	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 16, 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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