Compared with Maine
4 of 17
compared fees are above the median.
11 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
78th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maine median
of 17 compared; 11 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Seaboard Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Maine median | Published fees above the Maine median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Seaboard Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (78th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $454K in Q2 2026, 10% above the same quarter a year earlier ($412K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 17 compared published fees sit above the Maine median; 11 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maine medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $5, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.8% from Q3 2025 to Q2 2026, to $454K. Its share of revenue, 12%, is above the 7.2% median for credit unions with under $300M in assets.
$454K
Seaboard Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Seaboard Federal Credit Union · $246M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Seaboard Federal Credit Union(this institution) | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cedar Falls Community Federal Credit Union | Cedar Falls, IA | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Luso Federal Credit Union | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mc Federal Credit Union | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Appalachia Federal Credit Union | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Security Federal Credit Union | Collierville, TN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. Paul Federal Credit Union | Saint Paul, MN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tongass Federal Credit Union | Ketchikan, AK | $252M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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.
Peer pricing snapshot
The peer median is $6.73 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Seaboard Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Seaboard Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $454K | +$50K | +12.4% |
| Q1 2026 | $404K | −$52K | −11.4% |
| Q4 2025 | $456K | +$23K | +5.3% |
| Q3 2025 | $433K | +$21K | +5.1% |
| Q2 2025 | $412K | +$16K | +4.0% |
| Q1 2025 | $396K | −$49K | −11.0% |
| Q4 2024 | $445K | +$29K | +7.0% |
| Q3 2024 | $416K | −$7K | −1.7% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Seaboard Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Seaboard Federal Credit Union by share.
Amounts from Seaboard Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee-annually (audience not stated, treated as personal) | $10Not compared: Annual charge, not monthly | per year | None |
| Account Research per hour ($5 min.) (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Member Privilege-Overdraft Fee (each) (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Returned | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Online Bill Payer Return item | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Auto Transfer Overdraft (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement after free ones (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card-Expedited replacement (audience not stated, treated as personal) | $62Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire-Domestic Out | $18Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (each, max. $1,000 each) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Cashier's Check (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Teller Check (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay-monthly-with estatements (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay-monthly-without estatements (audience not stated, treated as personal) | $2.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Notary Public/Signature Guarantee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal-Levies/writs/summons (per occurrence) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card (non-reloadable) (audience not stated, treated as personal) | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card (reloadable) (audience not stated, treated as personal) | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy-each (after the first 10) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure | $15 | Not stated | None |
| Inactivity Fee-annually | $10Not compared: Annual charge, not monthly | per year | None |
| Account Research per hour ($5 min.) | $20Not compared: Daily charge, not per item | per day | None |
| Bad Address-per occurrence | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Member Privilege-Overdraft (per occurrence) | $20 | per item | None |
| NSF Returned | No charge | Not stated | None |
| Online Bill Payer Return item | $10 | Not stated | None |
| Auto Transfer Overdraft | $2 | Not stated | None |
ATM & Card | |||
| Debit Card-Expedited replacement | $62 | Not stated | None |
Wire Transfers | |||
| Wire-Domestic In | $5 | Not stated | None |
Check Services | |||
| Cashier's Check | $2 | Not stated | None |
| Money Order (each, max. $1,000 each) | $2 | per item | None |
| Stop Payment | $25 | Not stated | None |
| Copy of Cashier's Check | $2 | Not stated | None |
| Copy of Teller Check | $2 | Not stated | None |
Digital & Electronic | |||
| Bill Pay-monthly-with estatements | No charge | per month | None |
| Bill Pay-monthly-without estatements | $2.95 | per month | None |
Account Services | |||
| Notary Public/Signature Guarantee | No charge | Not stated | None |
| Legal-Levies/writs/summons (per occurrence) | $30 | per item | None |
Gift & Prepaid Cards | |||
| Gift Card (non-reloadable) | $2.95 | Not stated | None |
| Gift Card (reloadable) | $4.95 | Not stated | None |
Other Fees | |||
| Copy of Statement | $3 | Not stated | None |
| Photocopy-each page | $0.25 | per item | None |
Nov 1, 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.
Where Seaboard Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Bucksport, ME | 1 |
| Ellsworth, ME | 1 |
| Hermon, ME | 1 |
Largest competitors nearby
Local market: Hancock county, ME, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| Bar Harbor Bank & Trust | 53.7% |
| First National Bank | 13.3% |
| The Camden National Bank | 13.3% |
| Machias Savings Bank | 8.4% |
| Bangor Savings Bank | 7.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.