Railroad Federal Credit Union

Headquarters: Irondale, Alabama
Charter: Credit Union
Assets: $100.6M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Overdraft (OD)
Railroad Federal Credit Union: $30
Railroad Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Railroad Federal Credit Union: $30
Railroad Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Railroad Federal Credit Union: $10
Railroad Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 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 Railroad Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$10
one time
Dormant Account$7
per month
Online banking inactivity (after 3 months without use)$3
per month

Overdraft & NSF

Courtesy Pay (for debit card/ATM transactions, must “opt-in”)$30
per item
Overdraft$30
per item
NSF$30
per item

ATM & Card

Debit Card Replacement$15
per item

Wire Transfers

Wire Transfer (outgoing)$10
per transaction
Wire Transfer (incoming)$5
per transaction

Check Services

Cashiers’ Check (credit union check to 3rd party)$3
per item
Money Order$1
Stop Payment$30

Digital & Electronic

Bill Pay$5
per month

Cash & Deposit

Deposited Item Return$10
per item

Account Services

Legal Process (garnishment, tax levies, summons)$10

Other Fees

Statement copy$1

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$10	one time	None
Dormant Account	$7	per month	None
Online banking inactivity (after 3 months without use)	$3	per month	None
Overdraft & NSF
Courtesy Pay (for debit card/ATM transactions, must “opt-in”)	$30	per item	None
Overdraft	$30	per item	None
NSF	$30	per item	None
ATM & Card
Debit Card Replacement	$15	per item	None
Wire Transfers
Wire Transfer (outgoing)	$10	per transaction	None
Wire Transfer (incoming)	$5	per transaction	None
Check Services
Cashiers’ Check (credit union check to 3rd party)	$3	per item	None
Money Order	$1	Not stated	None
Stop Payment	$30	Not stated	None
Digital & Electronic
Bill Pay	$5	per month	None
Cash & Deposit
Deposited Item Return	$10	per item	None
Account Services
Legal Process (garnishment, tax levies, summons)	$10	Not stated	None
Other Fees
Statement copy	$1	Not stated	None

Correct a fee source

Oct 21, 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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