Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $1B to $10B

Mccoy Federal Credit Union

Orlando, FloridaCredit UnionAtlanta Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

and Student Checking accounts. | Inactive Account (after 12 Months)$5Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay$30Within the typical range ($25–$32 nationally)
At the national median
Source
Non-Sufficient Funds (NSF)$30Within the typical range ($25–$31.50 nationally)
At the national median
per item · Source
Overdraft Protection Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

ATM Non-Network Transaction$2Within the typical range ($1–$2.50 nationally)
$0.05 above the national median
per month · Source
Rush Replacement Card$25Below the typical range ($30–$50 nationally)
$15 below the national median
Source

Check ServicesVerified

Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
each | Money Orders$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
In accordance with Regulation D for each item transferred from savings. | Stop Payment Removal$10Below the typical range ($20–$30 nationally)
$17 below the national median
per item · Source
Official Check Exchange$10Above the typical range ($3–$5.50 nationally)
$5 above the national median
Source
Official Checks$1Below the typical range ($3–$5.50 nationally)
$4 below the national median
Source

Cash & DepositVerified

Return Deposit Items$15Within the typical range ($10–$25 nationally)
At the national median
per month · Source
Return Deposit Items$30Above the typical range ($10–$25 nationally)
$15 above the national median
Source

Account ServicesVerified

Deposit Services | Notary Service$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
each | Verification of Deposit$10Within the typical range ($8.98–$15 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
and Student Checking accounts. \| Inactive Account (after 12 Months)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
each \| Paper Statement (Mailed)	$3Within the typical range ($2–$4.50 nationally)	At the national median	per month	—	Source
Early Account Closure	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Monthly Maintenance Fee	$0Below the typical range ($3–$10 nationally)	$5.95 below the national median	per month	—	Source
Monthly Maintenance Fee	$5Within the typical range ($3–$10 nationally)	$0.95 below the national median	per month	—	Source
Monthly Maintenance Fee	$8Within the typical range ($3–$10 nationally)	$2.05 above the national median	per month	—	Source
Monthly Maintenance Fee	$10Within the typical range ($3–$10 nationally)	$4.05 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay	$30Within the typical range ($25–$32 nationally)	At the national median	—	—	Source
Non-Sufficient Funds (NSF)	$30
ATM & CardVerified
ATM Non-Network Transaction	$2Within the typical range ($1–$2.50 nationally)	$0.05 above the national median	per month	—	Source
Rush Replacement Card	$25
Check ServicesVerified
Check Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
each \| Money Orders	$1
Cash & DepositVerified
Return Deposit Items	$15Within the typical range ($10–$25 nationally)	At the national median	per month	—	Source
Return Deposit Items	$30
Account ServicesVerified
Deposit Services \| Notary Service	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median	—	—	Source
each \| Verification of Deposit	$10
Retirement & IRAVerified
IRA Outgoing Direct Transfer Fee	$30Within the typical range ($25–$35 nationally)	$5 above the national median	—	—	Source
Other FeesVerified
each \| Account History/Monthly Statement Copy	$3Within the typical range ($2–$5 nationally)	At the national median	per month	—	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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 23 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$1.0B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.0B

Total deposits

$900.7M

Service charge income (year to date)

$5.0M

Fee income ratio

16.2%

Return on assets

0.39%

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 39,545 published fee entries from 2,756 institutions

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