Closed my NASA FCU account today. I had setup a transfer of IRA share savings to Fidelity because I only had $50 balance and I am consolidating accounts. . I see an unidentified IRA credit for $15 at Fido. I go to the NASA branch today and confirm. They charged $35 to close the IRA account! I could’ve left $1 in there and $5 in my regular account and saved $29
Andrews FCU is up next and I know from experience they charge $20 to xfer to Fidelity. .
You could try asking Fidelity to reimburse the closing fee. I don't know if they'll do it for small amount transfers. They like to see some kind of documentation of the fee, such as a copy of a statement.