Southernmost Federal Credit Union

Headquarters: Key West, Florida
Charter: Credit Union
Assets: $16.1M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Southernmost Federal Credit Union: $6 to $35
Southernmost Federal Credit Union: $6 to $35
U.S. median: no median
NSF / Returned Item
Southernmost Federal Credit Union: $35
Southernmost Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Southernmost Federal Credit Union: $1
Southernmost Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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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Published fee schedule

Amounts from Southernmost Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Close Account within 90 days of Opening$15
Reconciliation Assistance$15
Not compared: Charged per hour; comparison unavailable
per hour
Research fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Locator Fee$5
Not compared: Annual charge, not monthly
per year
Return Statement Fee$5

Overdraft & NSF

Overdraft fee$35
per item
Research Paid Item$6
per item
NSF$35
per item
Transfer from Shares to cover overdraft$5
per item

ATM & Card

3rd Party ATM Balance Inquiry Fee$1
Replacement debit card$35
VISA Foreign Transaction fee (audience not stated, treated as personal)1%of the transaction
VISA Foreign Transaction fee1%of the transaction

Wire Transfers

Domestic wire transfer (outgoing) fee$25

Check Services

Additional CU Cashier’s check payable to member issued same day$3
Teller check payable to third party$3
Money Order$1.50
per item
Stop Payment: series of checks$35
Stop Payment: single item$35

Cash & Deposit

Credit Card Cash Advance Fee (audience not stated, treated as personal)3%of the advance
Credit Card Cash Advance Fee3%of the advance
Deposit Item Returned Unpaid$35
per item

Account Services

Notary Fee for non-credit union documents$10
Subpoena of Records$25
Not compared: Charged per hour; comparison unavailable
per hour
Written Verification of Deposit$10

Lending Fees

Late Payment on Visa Credit Card$10

Other Fees

Photocopies Fee$0.20
per item
Transaction Photocopy$6

Fee	Amount	Basis	Note
Account Maintenance
Close Account within 90 days of Opening	$15	Not stated	None
Reconciliation Assistance	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Research fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Locator Fee	$5Not compared: Annual charge, not monthly	per year	None
Return Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft fee	$35	per item	None
Research Paid Item	$6	per item	None
NSF	$35	per item	None
Transfer from Shares to cover overdraft	$5	per item	None
ATM & Card
3rd Party ATM Balance Inquiry Fee	$1	Not stated	None
Replacement debit card	$35	Not stated	None
VISA Foreign Transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
VISA Foreign Transaction fee	1%of the transaction	Not stated	None
Wire Transfers
Domestic wire transfer (outgoing) fee	$25	Not stated	None
Check Services
Additional CU Cashier’s check payable to member issued same day	$3	Not stated	None
Teller check payable to third party	$3	Not stated	None
Money Order	$1.50	per item	None
Stop Payment: series of checks	$35	Not stated	None
Stop Payment: single item	$35	Not stated	None
Cash & Deposit
Credit Card Cash Advance Fee (audience not stated, treated as personal)	3%of the advance	Not stated	None
Credit Card Cash Advance Fee	3%of the advance	Not stated	None
Deposit Item Returned Unpaid	$35	per item	None
Account Services
Notary Fee for non-credit union documents	$10	Not stated	None
Subpoena of Records	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Written Verification of Deposit	$10	Not stated	None
Lending Fees
Late Payment on Visa Credit Card	$10	Not stated	None
Other Fees
Photocopies Fee	$0.20	per item	None
Transaction Photocopy	$6	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

Nov 2, 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.

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