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)

Overdraft & NSFVerified

Courtesy Pay (for debit card/ATM transactions, must “opt-in”)$30Within the typical range ($25–$33 nationally)
At the national medianAt the Alabama median
per item · Source
NSF$30Within the typical range ($25–$32 nationally)
At the national medianAt the Alabama median
per item · Source

Wire TransfersVerified

Wire Transfer (outgoing)$10Below the typical range ($20–$25 nationally)
$15 below the national median$10 below the Alabama median
per transaction · Source
Wire Transfer (incoming)$5Within the typical range ($5–$15 nationally)
$5 below the national median$7.50 below the Alabama median
per transaction · Source

Check ServicesVerified

Cashiers’ Check (credit union check to 3rd party)$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Alabama median
per item · Source
Money Order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median$1 below the Alabama median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$1 above the Alabama median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Closure	$10Within the typical range ($10–$25 nationally)	$7.50 below the national medianAt the Alabama median	one time	—	Source
Dormant Account	$7Within the typical range ($5–$10 nationally)	$2 above the national median$2 above the Alabama median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay (for debit card/ATM transactions, must “opt-in”)	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Alabama median	per item	—	Source
NSF	$30
ATM & CardVerified
Debit Card Replacement	$15Above the typical range ($5–$10 nationally)	$5 above the national median$5 above the Alabama median	per item	—	Source
Wire TransfersVerified
Wire Transfer (outgoing)	$10Below the typical range ($20–$25 nationally)	$15 below the national median$10 below the Alabama median	per transaction	—	Source
Wire Transfer (incoming)	$5
Check ServicesVerified
Cashiers’ Check (credit union check to 3rd party)	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Alabama median	per item	—	Source
Money Order	$1
Digital & ElectronicVerified
Bill Pay	$5Within the typical range ($0–$9.95 nationally)	$2.50 above the national median$0.78 above the Alabama median	per month	—	Source
Cash & DepositVerified
Deposited Item Return	$10Within the typical range ($8–$25 nationally)	$5 below the national median$3.50 below the Alabama median	per item	—	Source
Account ServicesVerified
Legal Process (garnishment, tax levies, summons)	$10Below the typical range ($30–$100 nationally)	$40 below the national median$25 below the Alabama median	—	—	Source

Fee change alerts

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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

13 verified fees collected

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

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,783 published fee entries from 3,612 institutions

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