Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Water'S Edge Federal Credit Union

Biloxi, MississippiCredit UnionAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account Fee$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=dormant_account; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Dormant Account Fee $5.00 Per Month, up to $250 On Dormant Accounts with a balance under $250. Starts May 1, 2017." · Source

Overdraft & NSFVerified

Returned Check/ACH Fee Insufficient Funds$39Above the typical range ($25–$32 nationally)
$10 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=nsf; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Returned Check/ACH Fee Insufficient Funds $39.00 per Transaction" · Source

Check ServicesVerified

Cashier's Check Fee$10Above the typical range ($3–$6 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=cashiers_check; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Cashier's Check Fee $10.00 Per Check Only to Someone Other than the Member. Starts September 1, 2023." · Source

Lending FeesVerified

Loan Extension Fee$25Within the typical range ($25–$50 nationally)
$10 below the national median
per month · Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=loan_origination; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Loan Extension Fee $25.00 Per Month, up to 3 Months per Loan, Depending on Situation" · Source
Loan Late Fee, over 30 days$15Within the typical range ($15–$26.50 nationally)
$10 below the national median
per month · Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=late_payment; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Loan Late Fee, over 30 days $15.00 Per Month" · Source
Loan Processing Fee$35Within the typical range ($25–$50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=loan_origination; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Loan Processing Fee $35.00 One time Per Loan" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=dormant_account; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Dormant Account Fee $5.00 Per Month, up to $250 On Dormant Accounts with a balance under $250. Starts May 1, 2017."	Source
Overdraft & NSFVerified
Returned Check/ACH Fee Insufficient Funds	$39Above the typical range ($25–$32 nationally)	$10 above the national median	per transaction	Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=nsf; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Returned Check/ACH Fee Insufficient Funds $39.00 per Transaction"	Source
Check ServicesVerified
Cashier's Check Fee	$10Above the typical range ($3–$6 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=cashiers_check; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Cashier's Check Fee $10.00 Per Check Only to Someone Other than the Member. Starts September 1, 2023."	Source
Lending FeesVerified
Loan Extension Fee	$25Within the typical range ($25–$50 nationally)	$10 below the national median	per month	Knox deterministic extraction from Rosetta artifact #2037. canonical_hint=loan_origination; text_hash=5ab1952901c74e498e6afaa01a557f94484230302838806f41c12edd8c13acba; excerpt="Loan Extension Fee $25.00 Per Month, up to 3 Months per Loan, Depending on Situation"	Source
Loan Late Fee, over 30 days

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $39

34% above the national median NSF fee

Total fees: 6 — leaner than most institutions

Verified fees

Under review

Assets

$5.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.0M

Total deposits

$4.4M

Service charge income (year to date)

$3K

Fee income ratio

2.0%

Return on assets

-0.05%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 20,792 verified fees from 2,117 institutions

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