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 Nov 6, 2026.

Explore Hamilton View published fees

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 Nov 6, 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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Among its peers

Railroad Federal Credit Union · $101M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Credit unions only
$98M to $103M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Railroad Federal Credit Union(this institution)	Irondale, AL	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Financial Federal Credit Union	Washington, DC	$103M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Archer Cooperative Federal Credit Union	Archer, NE	$103M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Athol Federal Credit Union	Athol, MA	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Common Trust Federal Credit Union	Woburn, MA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Ashtabula, OH	$100M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Star Federal Credit Union	Elyria, OH	$103M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Compass Federal Credit Union	Oswego, NY	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Concho Educators Federal Credit Union	San Angelo, TX	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Crossroads Financial Federal Credit Union	Portland, IN	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Gardiner Federal Credit Union	Gardiner, ME	$101M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Glendale Federal Credit Union	Glendale, CA	$103M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Chautauqua Federal Credit Union	Falconer, NY	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthcare First Credit Union	Johnstown, PA	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage USA Federal Credit Union	Midland, TX	$99M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members Community Federal Credit Union	Muscatine, IA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midland Federal Credit Union	Urbandale, IA	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Serve Federal Credit Union	Des Moines, IA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sno Falls Federal Credit Union	North Bend, WA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tampa Postal Federal Credit Union	Tampa, FL	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tewksbury Federal Credit Union	Tewksbury, MA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Texas Bridge Federal Credit Union	Corpus Christi, TX	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Dps Federal Credit Union	Austin, TX	$98M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Universal Federal Credit Union	Huntington, WV	$100M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Of Toledo Federal Credit Union	Toledo, OH	$100M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Va Desert Pacific Federal Credit Union	Long Beach, CA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Railroad Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4.75 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026.

Monthly maintenance fee in dollars, one mark per institution

Railroad Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Railroad Federal Credit U…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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

Nov 6, 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.

Fee change alerts

Get an email when Railroad Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.

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 Nov 6, 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.

Among its peers

Railroad Federal Credit Union · $101M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Credit unions only
$98M to $103M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Railroad Federal Credit Union(this institution)	Irondale, AL	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Financial Federal Credit Union	Washington, DC	$103M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Archer Cooperative Federal Credit Union	Archer, NE	$103M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Athol Federal Credit Union	Athol, MA	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Common Trust Federal Credit Union	Woburn, MA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Ashtabula, OH	$100M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Star Federal Credit Union	Elyria, OH	$103M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Compass Federal Credit Union	Oswego, NY	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Concho Educators Federal Credit Union	San Angelo, TX	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Crossroads Financial Federal Credit Union	Portland, IN	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Gardiner Federal Credit Union	Gardiner, ME	$101M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Glendale Federal Credit Union	Glendale, CA	$103M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Chautauqua Federal Credit Union	Falconer, NY	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthcare First Credit Union	Johnstown, PA	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage USA Federal Credit Union	Midland, TX	$99M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members Community Federal Credit Union	Muscatine, IA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midland Federal Credit Union	Urbandale, IA	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Serve Federal Credit Union	Des Moines, IA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sno Falls Federal Credit Union	North Bend, WA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tampa Postal Federal Credit Union	Tampa, FL	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tewksbury Federal Credit Union	Tewksbury, MA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Texas Bridge Federal Credit Union	Corpus Christi, TX	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Dps Federal Credit Union	Austin, TX	$98M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Universal Federal Credit Union	Huntington, WV	$100M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Of Toledo Federal Credit Union	Toledo, OH	$100M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Va Desert Pacific Federal Credit Union	Long Beach, CA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Railroad Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4.75 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026.

Monthly maintenance fee in dollars, one mark per institution

Railroad Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Railroad Federal Credit U…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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

Nov 6, 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.