Compared with Florida
9 of 24
compared fees are above the median.
10 below, 5 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
46th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 24 compared; 10 below, 5 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Keys 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Keys Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (46th 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 $278K in Q2 2026, 1.5% above the same quarter a year earlier ($274K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 24 compared published fees sit above the Florida median; 10 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 Florida medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
NSF / Returned Item
Non-Network ATM
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.
Fee income fell 3.1% from Q3 2025 to Q2 2026, to $278K. Its share of revenue, 6.5%, is below the 7.2% median for credit unions with under $300M in assets.
$278K
Keys 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. *Monthly maintenance: Listed at $10 to $15; we compare the midpoint.
Keys Federal Credit Union · $253M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Keys Federal Credit Union(this institution) | Key West, FL | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bridge Federal Credit Union | Powell, OH | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Cacl Federal Credit Union | Pottsville, PA | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| Central State Federal Credit Union | Stockton, CA | $258M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Community Federal Credit Union | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ghs Federal Credit Union | Binghamton, NY | $253M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Highmark Federal Credit Union | Rapid City, SD | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| Moog Employees Federal Credit Union | East Aurora, NY | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mygeorgia Federal Credit Union | Gainesville, GA | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Jersey Federal Credit Union | Totowa, NJ | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| 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 |
| Red Crown Federal Credit Union | Tulsa, OK | $257M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| The Family Federal Credit Union | Davenport, IA | $253M | Publishes Monthly maintenance | 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 |
| Tremont Federal Credit Union | Boston, MA | $256M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truchoice Federal Credit Union | Portland, ME | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truecore Federal Credit Union | Newark, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Usx Federal Credit Union | Cranberry Twp, PA | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $5.75 among 8 publishing peers.
Its two checking prices are $10 and $15.
$12.50 is a comparison price, not a fee anyone is charged.
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
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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Keys 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 | $278K | +$1K | +0.4% |
| Q1 2026 | $277K | −$14K | −4.8% |
| Q4 2025 | $291K | +$4K | +1.4% |
| Q3 2025 | $287K | +$13K | +4.7% |
| Q2 2025 | $274K | −$25K | −8.4% |
| Q1 2025 | $299K | −$33K | −9.9% |
| Q4 2024 | $332K | +$47K | +16.5% |
| Q3 2024 | $285K | +$8K | +2.9% |
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, Keys 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 Keys Federal Credit Union by share.
Amounts from Keys Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per hour
per hour
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure (within 180 days of opening) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Processing (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat Processing | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Member (no activity on account for 365 days and less than in deposits) (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Other Fees and Charges Escheat Processing | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Research (per hour) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation (per hour) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Printed Statements and Documents (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Processing (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Network (audience not stated, treated as personal) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-Keys FCU ATM Withdrawals, Balance Inquiries and Transfers | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit MasterCard Rush Order (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer: Outgoing - US (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Incoming - US (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer: Outgoing - Int’l | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing | 5%($5 minimum) | Not stated | None |
| Collection Item (International) (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Image/Copy | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Check (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance | 2%of the advance ($20 minimum) | Not stated | None |
| Cash Advance (audience not stated, treated as personal) | 2%of the advance | Not stated | None |
| Check Order or Reorder (shipping not included) Varies Cash Advance | minimum (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Deposit Item (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (Non-Members) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Tax Levy/Garnishment Processing (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| UCC Filing (per occurrence) (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer to Another Financial Institution (audience not stated, treated as personal) | $45Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Due Date Change | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Processing | $49Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance Fee (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned Loan Payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
Oct 15, 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 Keys Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Key West, FL | 3 |
| Big Pine Key, FL | 1 |
| Marathon, FL | 1 |
| Tavernier, FL | 1 |
Largest competitors nearby
Local market: Monroe county, FL, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| First Horizon Bank | 27.1% |
| First State Bank of the Florida Keys | 23.8% |
| Centennial Bank | 18.6% |
| Bank of America, National Association | 13.4% |
| Wells Fargo Bank, National Association | 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.