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

Southernmost Federal Credit Union

Key West, FloridaCredit UnionAtlanta Fed districtFees collected Oct 3, 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

Debit Card inactivity fee (inactive for more than 12 months)$12Within the typical range ($5–$52.50 nationally)

Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=dormant_account; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Debit Card inactivity fee (inactive for more than 12 months) $12.00" · Source

Reconciliation Assistance$15

At the national median

Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=account_research; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Reconciliation Assistance $15.00 per hour" · Source

Research fee$25

$10 above the national median

Overdraft & NSFVerified

NSF$35Above the typical range ($10–$30 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=nsf; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="NSF $35.00 per item" · Source
Overdraft fee$35Within the typical range ($7.50–$35 nationally)
$10 above the national median
per item · Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=overdraft; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Overdraft fee $35.00 per item" · Source
Transfer from Shares to cover overdraft$5Below the typical range ($7.50–$35 nationally)
$20 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=overdraft; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Transfer from Shares to cover overdraft $5.00 per item" · Source

ATM & CardVerified

3rd Party ATM Balance Inquiry Fee$1Below the typical range ($2–$35 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=atm_non_network; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="3rd Party ATM Balance Inquiry Fee $1.00" · Source
Replacement debit card$35Above the typical range ($5–$19.38 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=card_replacement; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Replacement debit card $35.00" · Source

Check ServicesVerified

Money Order$1.50Below the typical range ($2–$18.75 nationally)
$3.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=money_order; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Money Order $1.50 per item" · Source
Stop Payment: single item$35Above the typical range ($17.50–$30 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=stop_payment; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Stop Payment: single item $35.00" · Source

Cash & DepositVerified

Credit Card Cash Advance Fee 3%, up to$10Within the typical range ($5–$10 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=cash_advance; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Credit Card Cash Advance Fee 3%, up to $10.00" · Source

Account ServicesVerified

Notary Fee for non-credit union documents$10Above the typical range ($0–$5.50 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=notary_fee; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Notary Fee for non-credit union documents $10.00" · Source
Subpoena of Records$25Within the typical range ($22.50–$100 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=legal_process; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Subpoena of Records $25.00 per hour" · Source

Lending FeesVerified

Late Payment on Visa Credit Card$10Below the typical range ($15–$25 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=late_payment; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Late Payment on Visa Credit Card $10.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Debit Card inactivity fee (inactive for more than 12 months)	$12Within the typical range ($5–$52.50 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=dormant_account; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Debit Card inactivity fee (inactive for more than 12 months) $12.00"	Source
Reconciliation Assistance	$15Within the typical range ($5–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=account_research; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Reconciliation Assistance $15.00 per hour"	Source
Research fee	$25Within the typical range ($5–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=account_research; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Research fee $25.00 per-hour"	Source
Overdraft & NSFVerified
NSF	$35Above the typical range ($10–$30 nationally)	$10 above the national median	per item	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=nsf; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="NSF $35.00 per item"	Source
Overdraft fee	$35
ATM & CardVerified
3rd Party ATM Balance Inquiry Fee	$1Below the typical range ($2–$35 nationally)	$9 below the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=atm_non_network; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="3rd Party ATM Balance Inquiry Fee $1.00"	Source
Replacement debit card
Check ServicesVerified
Money Order	$1.50Below the typical range ($2–$18.75 nationally)	$3.50 below the national median	per item	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=money_order; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Money Order $1.50 per item"	Source
Stop Payment: single item	$35
Cash & DepositVerified
Credit Card Cash Advance Fee 3%, up to	$10Within the typical range ($5–$10 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=cash_advance; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Credit Card Cash Advance Fee 3%, up to $10.00"	Source
Account ServicesVerified
Notary Fee for non-credit union documents	$10Above the typical range ($0–$5.50 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=notary_fee; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Notary Fee for non-credit union documents $10.00"	Source
Subpoena of Records	$25
Lending FeesVerified
Late Payment on Visa Credit Card	$10Below the typical range ($15–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #1614. canonical_hint=late_payment; text_hash=6cbd72884151e3fd77ab3b9cb787c98775a7002c7c7fb16683b9eccfdc4597df; excerpt="Late Payment on Visa Credit Card $10.00"	Source

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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.

Overdraft

$35

Overdraft fee: $35

40% above the national median overdraft fee

Total fees: 14 — leaner than most institutions

Verified fees

Under review

Assets

$16.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$16.1M

Total deposits

$12.8M

Service charge income (year to date)

$66K

Fee income ratio

14.0%

Return on assets

-0.12%

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 5,474 verified fees from 1,488 institutions

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