Educational Federal Credit Union

Headquarters: Miami, Florida
Charter: Credit Union
Assets: $1.8B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 7, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Educational Federal Credit Union: $10
Educational Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Educational Federal Credit Union: $30
Educational Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Educational Federal Credit Union: $30
Educational Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, 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).
Florida: Banks and credit unions headquartered in Florida 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

Educational Federal Credit Union · $1.8B 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 18 states.

Credit unions only
$1.7B to $2B in assets
Headquartered in 18 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
Educational Federal Credit Union(this institution)	Miami, FL	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bay Federal Credit Union	Capitola, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union 1	Anchorage, AK	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Credit Union of America	Wichita, KS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Datcu Federal Credit Union	Denton, TX	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fibre Federal Credit Union	Longview, WA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontwave Federal Credit Union	Oceanside, CA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Nevada Federal Credit Union	Carson City, NV	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greylock Federal Credit Union	Pittsfield, MA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Honor Federal Credit Union	Berrien Springs, MI	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horizon Federal Credit Union	Spokane Valley, WA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Federal Credit Union	West Chester, OH	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marion And Polk Schools Federal Credit Union	Salem, OR	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Merck Employees Federal Credit Union	Rahway, NJ	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mid-Hudson Valley Federal Credit Union	Kingston, NY	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Monterra Federal Credit Union	Redwood City, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Publix Employees Federal Credit Union	Lakeland, FL	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Safe Federal Credit Union	Sumter, SC	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott Federal Credit Union	Edwardsville, IL	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Mary'S Bank Federal Credit Union	Manchester, NH	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Superior Credit Union, Inc	Lima, OH	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Truwest Federal Credit Union	Scottsdale, AZ	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tyndall Federal Credit Union	Panama City, FL	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Heritage Federal Credit Union	Austin, TX	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unitus Community Federal Credit Union	Tigard, OR	$1.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
University Of Kentucky Federal Credit Union	Lexington, KY	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (82%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.50 among 12 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 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Educational Federal Credi…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 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 Educational Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Plus Foreign: Monthly Maintenance Fee (audience not stated, treated as personal)$10
per month
Dormant Account$5
per month

Overdraft & NSF

Courtesy Pay$30
Non-Sufficient Funds (NSF)$30

ATM & Card

CO-OP ATM Withdrawals$0.25
Foreign ATM Withdrawals$1
Card Replacement$10
International Transaction Fee1%of the transaction

Wire Transfers

Wire Transfers: Domestic$25
Wire Transfers: International (audience not stated, treated as personal)$50

Check Services

Cashier’s Check$5
per item
Check Printing: 10 x 10$110
Stop Payment Request$20
Check Copies$2

Account Services

Lost Key Replacement$10
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10$50
per year
Safe Deposit Box 3 x 5$30
per year
Safe Deposit Box 5 x 10$70
per year
Garnishment/Levy/Court Order$50

Other Fees

Statement Copies$2

Fee	Amount	Basis	Note
Account Maintenance
Plus Foreign: Monthly Maintenance Fee (audience not stated, treated as personal)	$10	per month	None
Dormant Account	$5	per month	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
ATM & Card
CO-OP ATM Withdrawals	$0.25	Not stated	None
Foreign ATM Withdrawals	$1	Not stated	None
Card Replacement	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic	$25	Not stated	None
Wire Transfers: International (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Check Printing: 10 x 10	$110	Not stated	None
Stop Payment Request	$20	Not stated	None
Check Copies	$2	Not stated	None
Account Services
Lost Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10	$50	per year	None
Safe Deposit Box 3 x 5	$30	per year	None
Safe Deposit Box 5 x 10	$70	per year	None
Garnishment/Levy/Court Order	$50	Not stated	None
Other Fees
Statement Copies	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 7, 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 Educational 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.

Monthly Maintenance
Educational Federal Credit Union: $10
Educational Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Educational Federal Credit Union: $30
Educational Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Educational Federal Credit Union: $30
Educational Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, 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).
Florida: Banks and credit unions headquartered in Florida 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

Educational Federal Credit Union · $1.8B 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 18 states.

Credit unions only
$1.7B to $2B in assets
Headquartered in 18 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
Educational Federal Credit Union(this institution)	Miami, FL	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bay Federal Credit Union	Capitola, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union 1	Anchorage, AK	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Credit Union of America	Wichita, KS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Datcu Federal Credit Union	Denton, TX	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fibre Federal Credit Union	Longview, WA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontwave Federal Credit Union	Oceanside, CA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Nevada Federal Credit Union	Carson City, NV	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greylock Federal Credit Union	Pittsfield, MA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Honor Federal Credit Union	Berrien Springs, MI	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horizon Federal Credit Union	Spokane Valley, WA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Federal Credit Union	West Chester, OH	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marion And Polk Schools Federal Credit Union	Salem, OR	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Merck Employees Federal Credit Union	Rahway, NJ	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mid-Hudson Valley Federal Credit Union	Kingston, NY	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Monterra Federal Credit Union	Redwood City, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Publix Employees Federal Credit Union	Lakeland, FL	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Safe Federal Credit Union	Sumter, SC	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott Federal Credit Union	Edwardsville, IL	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Mary'S Bank Federal Credit Union	Manchester, NH	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Superior Credit Union, Inc	Lima, OH	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Truwest Federal Credit Union	Scottsdale, AZ	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tyndall Federal Credit Union	Panama City, FL	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Heritage Federal Credit Union	Austin, TX	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unitus Community Federal Credit Union	Tigard, OR	$1.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
University Of Kentucky Federal Credit Union	Lexington, KY	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (82%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.50 among 12 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 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Educational Federal Credi…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 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 Educational Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Plus Foreign: Monthly Maintenance Fee (audience not stated, treated as personal)$10
per month
Dormant Account$5
per month

Overdraft & NSF

Courtesy Pay$30
Non-Sufficient Funds (NSF)$30

ATM & Card

CO-OP ATM Withdrawals$0.25
Foreign ATM Withdrawals$1
Card Replacement$10
International Transaction Fee1%of the transaction

Wire Transfers

Wire Transfers: Domestic$25
Wire Transfers: International (audience not stated, treated as personal)$50

Check Services

Cashier’s Check$5
per item
Check Printing: 10 x 10$110
Stop Payment Request$20
Check Copies$2

Account Services

Lost Key Replacement$10
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10$50
per year
Safe Deposit Box 3 x 5$30
per year
Safe Deposit Box 5 x 10$70
per year
Garnishment/Levy/Court Order$50

Other Fees

Statement Copies$2

Fee	Amount	Basis	Note
Account Maintenance
Plus Foreign: Monthly Maintenance Fee (audience not stated, treated as personal)	$10	per month	None
Dormant Account	$5	per month	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
ATM & Card
CO-OP ATM Withdrawals	$0.25	Not stated	None
Foreign ATM Withdrawals	$1	Not stated	None
Card Replacement	$10	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic	$25	Not stated	None
Wire Transfers: International (audience not stated, treated as personal)	$50	Not stated	None
Check Services
Cashier’s Check	$5	per item	None
Check Printing: 10 x 10	$110	Not stated	None
Stop Payment Request	$20	Not stated	None
Check Copies	$2	Not stated	None
Account Services
Lost Key Replacement	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10	$50	per year	None
Safe Deposit Box 3 x 5	$30	per year	None
Safe Deposit Box 5 x 10	$70	per year	None
Garnishment/Levy/Court Order	$50	Not stated	None
Other Fees
Statement Copies	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 7, 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.