Compared with Florida
9 of 22
compared fees are above the median.
5 below, 8 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
68th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 22 compared; 5 below, 8 about the same
See the feesFee 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) 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. | 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 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (68th 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 $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.
9 of 22 compared published fees sit above the Florida median; 5 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.
Non-Network ATM
Compared at $2.75, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$62K
Miami 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. *Non-network ATM: Listed at $2 to $3.50; we compare the midpoint.
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% |
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, Miami 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 Miami Federal Credit Union by share.
Amounts from Miami Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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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) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | 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 | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdrafts or items paid with Overdraft Privilege | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned ACH Item | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM cash withdrawal | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM's and Presto Network ATMs | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement of lost, damaged or stolen Check Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer (Outgoing) | $65Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Checks and Money Orders (up to $1,000) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Checks and Money Orders (up to $1,000) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Bill Payment (Stop Payment Fee) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment on a check or pre-authorized withdrawal (ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment per check (Official Check, Teller Check, Money Order) or ACH payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks 1st Set of 16 checks at account opening | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | 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) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Levy & Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination on Home Loans | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Written Verification of Accounts | $10Inside the U.S. middle 50% ($5 to $15 nationally) | 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 | $30Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| MFCU Gift Card | $3.75Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Application Fee for Unsecured Loans & Personal Line of Credit Request Advance Fee | $30Inside 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
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.
Where Miami Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Miami, FL | 3 |
| Ft Lauderdale, FL | 1 |
| West Palm Beach, FL | 1 |
Largest competitors nearby
Local market: Miami-Dade county, FL, around its headquarters.
| 68 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 13.4% |
| JPMorgan Chase Bank, National Association | 11.1% |
| City National Bank of Florida | 8.8% |
| Wells Fargo Bank, National Association | 8.7% |
| BankUnited, National Association | 8.1% |
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.