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, under $300M

Railroad Federal Credit Union

Irondale, 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

Account Closure$10Within the typical range ($10–$25 nationally)

one time · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=early_closure; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Account Closure | 10.00 closed within 3 months opening" · Source

Account Reconciliation/Research | 20.00/hour and$20

$5 below the national median

Knox deterministic extraction from Rosetta artifact #2720. canonical_hint=account_research; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Account Reconciliation/Research | 20.00/hour and $20.00 minimum charge" · Source

Dormant Account$7

$2 above the national median

per month · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=dormant_account; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Dormant Account (after 2 year(s) & account balance is less than $100 | 7.00 / month" · Source

Overdraft & NSFVerified

Courtesy Pay (for debit card/ATM transactions, must “opt-in”)$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=overdraft; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Courtesy Pay (for debit card/ATM transactions, must “opt-in”) | 30.00 / item" · Source
NSF$30Within the typical range ($25–$31 nationally)
At the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=nsf; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="NSF | 30.00 / item" · Source
Overdraft Protection (interest rate based on credit score)$30
one time · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=od_line_of_credit; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Overdraft Protection (interest rate based on credit score) | 30.00 to open" · Source

ATM & CardVerified

Debit Card Replacement$15Above the typical range ($5–$10 nationally)
$5 above the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=card_replacement; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Debit Card Replacement | 15.00 / per card" · Source

Wire TransfersVerified

Wire Transfer (incoming)$5Within the typical range ($5–$15 nationally)
$5 below the national median
per transaction · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=wire_domestic_incoming; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Wire Transfer (incoming) | 5.00 / each" · Source
Wire Transfer (outgoing)$10Below the typical range ($20–$25 nationally)
$12 below the national median
per transaction · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=wire_domestic_outgoing; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Wire Transfer (outgoing) | 10.00 / each" · Source

Check ServicesVerified

Cashiers’ Check (credit union check to 3rd party)$3Within the typical range ($3–$6 nationally)
$2 below the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=cashiers_check; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Cashiers’ Check (credit union check to 3rd party) | 3.00 / check" · Source
Money Order$1Below the typical range ($2–$3 nationally)
$1 below the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=money_order; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Money Order | 1.00" · Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=stop_payment; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Stop Payment | 30.00" · Source

Digital & ElectronicVerified

Bill Pay$5Within the typical range ($0–$10 nationally)
$0.05 above the national median
per month · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=bill_pay; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Bill Pay | 5.00 / month" · Source

Cash & DepositVerified

Deposited Item Return$10Within the typical range ($10–$25 nationally)
$5 below the national median
per item · Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=deposited_item_return; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Deposited Item Return | 10.00 / item" · Source

Account ServicesVerified

Legal Process (garnishment, tax levies, summons)$10Below the typical range ($30–$125 nationally)
$65 below the national median
Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=legal_process; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Legal Process (garnishment, tax levies, summons) | 10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Closure	$10Within the typical range ($10–$25 nationally)	$5 below the national median	one time	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=early_closure; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Account Closure \| 10.00 closed within 3 months opening"	Source
Account Reconciliation/Research \| 20.00/hour and	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #2720. canonical_hint=account_research; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Account Reconciliation/Research \| 20.00/hour and $20.00 minimum charge"	Source
Dormant Account	$7Within the typical range ($5–$10 nationally)	$2 above the national median	per month	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=dormant_account; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Dormant Account (after 2 year(s) & account balance is less than $100 \| 7.00 / month"	Source
Overdraft & NSFVerified
Courtesy Pay (for debit card/ATM transactions, must “opt-in”)	$30Within the typical range ($25–$31 nationally)	At the national median	per item	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=overdraft; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Courtesy Pay (for debit card/ATM transactions, must “opt-in”) \| 30.00 / item"	Source
NSF
ATM & CardVerified
Debit Card Replacement	$15Above the typical range ($5–$10 nationally)	$5 above the national median	per item	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=card_replacement; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Debit Card Replacement \| 15.00 / per card"	Source
Wire TransfersVerified
Wire Transfer (incoming)	$5Within the typical range ($5–$15 nationally)	$5 below the national median	per transaction	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=wire_domestic_incoming; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Wire Transfer (incoming) \| 5.00 / each"	Source
Wire Transfer (outgoing)
Check ServicesVerified
Cashiers’ Check (credit union check to 3rd party)	$3Within the typical range ($3–$6 nationally)	$2 below the national median	per item	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=cashiers_check; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Cashiers’ Check (credit union check to 3rd party) \| 3.00 / check"	Source
Money Order
Digital & ElectronicVerified
Bill Pay	$5Within the typical range ($0–$10 nationally)	$0.05 above the national median	per month	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=bill_pay; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Bill Pay \| 5.00 / month"	Source
Cash & DepositVerified
Deposited Item Return	$10Within the typical range ($10–$25 nationally)	$5 below the national median	per item	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=deposited_item_return; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Deposited Item Return \| 10.00 / item"	Source
Account ServicesVerified
Legal Process (garnishment, tax levies, summons)	$10Below the typical range ($30–$125 nationally)	$65 below the national median	—	Knox paid extraction (claude-sonnet-5-5) from Rosetta artifact #2720. canonical_hint=legal_process; text_hash=82b6937dff926951abd2e35fb7ca8d360971546f5041eb9dd1e6e3a5fe560b1a; excerpt="Legal Process (garnishment, tax levies, summons) \| 10.00"	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 15 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$100.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$100.6M

Total deposits

$86.7M

Service charge income (year to date)

$18K

Fee income ratio

0.93%

Return on assets

0.65%

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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Based on 27,539 verified fees from 2,277 institutions

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