22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026
Call-report figures are for Miami 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Miami Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $62K in Q2 2026, 1.6% below the same quarter a year earlier ($63K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Compared at $2.75, the middle of its prices
A blank median means fewer than 5 publish the fee.
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 11% from Q3 2025 to Q2 2026, to $62K.
$62K
Miami Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Miami Federal Credit Union · $45M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Miami Federal Credit Union(this institution) | Miami, FL | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Access Of Louisiana Federal Credit Union | Lake Charles, LA | $44M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| All Saints Federal Credit Union | Parma, OH | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bloomington Municipal Federal Credit Union | Bloomington, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Business And Industrial Federal Credit Union | Columbus, IN | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| California Adventist Federal Credit Union | Glendale, CA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cherokee County Federal Credit Union | Rusk, TX | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collegedale Federal Credit Union | Collegedale, TN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geismar Complex Federal Credit Union | Geismar, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Holy Rosary Federal Credit Union | Kansas City, MO | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Kemba Charleston Federal Credit Union | Dunbar, WV | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lakeshore Federal Credit Union | Muskegon, MI | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lakeside Federal Credit Union | New Johnsonville, TN | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Les Federal Credit Union | Baton Rouge, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| On The Grid Financial Federal Credit Union | Atlanta, GA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Credit Union of Connecticut | Hartford, CT | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Saint Francis Employees Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sweet Home Federal Credit Union | Amherst, NY | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Toledo Fire Fighters Federal Credit Union | Toledo, OH | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vantage Point Federal Credit Union | Hopewell, VA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wakota Federal Credit Union | South St Paul, MN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(out-of-network atm)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $2.75, the middle of its two prices, against a peer median of $1 among 13 publishing peers.
Its two prices are $2 and $3.50.
$2.75 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Miami 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 | $62K | −$2K | −3.1% |
| Q1 2026 | $64K | $0 | 0.0% |
| Q4 2025 | $64K | −$6K | −8.6% |
| Q3 2025 | $70K | +$7K | +11.1% |
| Q2 2025 | $63K | $0 | 0.0% |
| Q1 2025 | $63K | −$2K | −3.1% |
| Q4 2024 | $65K | +$2K | +3.2% |
| Q3 2024 | $63K | +$8K | +14.5% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Miami Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Share Account (if closed within 365 days of opening) Closing Share Account (if closed after 365 days of opening) | $25 | Not stated | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | Not stated | None |
| Returned mail or Bad Address | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Items paid with Overdraft Privilege | $35 | per item | None |
| Overdrafts or items paid with Overdraft Privilege | $35 | per item | None |
| Returned ACH Item | $35 | per item | None |
ATM & Card | |||
| ATM cash withdrawal | $3.50 | per item | None |
| ATM's and Presto Network ATMs | $2 | per item | None |
| Card Replacement Fee | $10 | per item | None |
| Replacement of lost, damaged or stolen Check Card | $10 | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) | $25 | per item | None |
| Wire Transfer Incoming | No charge | Not stated | None |
| International Wire Transfer (Outgoing) | $65 | per item | None |
Check Services | |||
| Official Checks and Money Orders (up to $1,000) | $2 | per item | None |
| Teller Checks | $5 | per item | None |
| Official Checks and Money Orders (up to $1,000) | $2 | per item | None |
| Bill Payment (Stop Payment Fee) | $30 | per item | None |
| Stop payment on a check or pre-authorized withdrawal (ACH) | $30 | per item | None |
| Stop payment per check (Official Check, Teller Check, Money Order) or ACH payment | $30 | per item | None |
| Temporary Checks 1st Set of 16 checks at account opening | No charge | Not stated | None |
| Temporary Checks after account opening w/o check reorder (4 checks/page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Copy of Share Draft Item (Free in MFCU Online Banking) | $5 | per item | None |
Digital & Electronic | |||
| Same Day Bill Payment | $9.95Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Deposited check (and other items) returned unpaid | $35 | per item | None |
Account Services | |||
| Levy & Garnishment | $100 | Not stated | None |
| Subordination on Home Loans | $250 | Not stated | None |
| Written Verification of Accounts | $10 | per item | None |
Lending Fees | |||
| Late Charge | 10%($20 minimum) | per month | None |
| Late Charge (audience not stated, treated as personal) | 10%($20 minimum) | per month | None |
| Loan processing fee on all disbursed loans | $30 | Not stated | None |
Gift & Prepaid Cards | |||
| MFCU Gift Card | $3.75 | per item | None |
Other Fees | |||
| Statement Copy | $5 | per item | None |
| Loan Application Fee for Unsecured Loans & Personal Line of Credit Request Advance Fee | $30 | 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
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.
Fee change alerts
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