Mccoy Federal Credit Union

Headquarters: Orlando, Florida
Charter: Credit Union
Assets: $1.0B
Fed district: Atlanta

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

Source: its fee schedule, read Nov 1, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $6.50, the middle of its prices
Mccoy Federal Credit Union: $0 to $10
Mccoy Federal Credit Union: $0 to $10
U.S. median: no median
Overdraft (OD)
Mccoy Federal Credit Union: $30
Mccoy Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Mccoy Federal Credit Union: $30
Mccoy Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Mccoy Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Checking Smarter Checking Monthly Maintenance Fee$8
per month
Fresh Start Checking Monthly Maintenance Fee$10
per month
Monthly Maintenance Fee$5
per month
Simply Checking Monthly Maintenance FeeNo charge
per month
Early Account Closure$10
Inactive Account (after 12 Months)$5
per month
Paper Statement (Mailed)$3
per month
Bad Address$5
per month

Overdraft & NSF

Courtesy Pay$30
per item
Non-Sufficient Funds (NSF)$30
per item
Overdraft Protection Transfer$5
per item

ATM & Card

ATM Non-Network Inquiry$1
per item
ATM Non-Network Transaction$2
per item
Rush Replacement Card$25
per item

Check Services

Official Check Exchange$10
per item
Official Checks$1
per item
Money Orders$1
per item
Foreign Check Deposit$35
per item
Check Copy$2
per item

Cash & Deposit

Return Deposit Items$15
per item
Return Deposit Items$30
per item

Account Services

Notary Service$5
per item
Verification of Deposit$10
per item

Retirement & IRA

IRA Outgoing Direct Transfer Fee$30
per item

Other Fees

Account History/Monthly Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Checking Smarter Checking Monthly Maintenance Fee	$8	per month	None
Fresh Start Checking Monthly Maintenance Fee	$10	per month	None
Monthly Maintenance Fee	$5	per month	None
Simply Checking Monthly Maintenance Fee	No charge	per month	None
Early Account Closure	$10	Not stated	None
Inactive Account (after 12 Months)	$5	per month	None
Paper Statement (Mailed)	$3	per month	None
Bad Address	$5	per month	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
Non-Sufficient Funds (NSF)	$30	per item	None
Overdraft Protection Transfer	$5	per item	None
ATM & Card
ATM Non-Network Inquiry	$1	per item	None
ATM Non-Network Transaction	$2	per item	None
Rush Replacement Card	$25	per item	None
Check Services
Official Check Exchange	$10	per item	None
Official Checks	$1	per item	None
Money Orders	$1	per item	None
Foreign Check Deposit	$35	per item	None
Check Copy	$2	per item	None
Cash & Deposit
Return Deposit Items	$15	per item	None
Return Deposit Items	$30	per item	None
Account Services
Notary Service	$5	per item	None
Verification of Deposit	$10	per item	None
Retirement & IRA
IRA Outgoing Direct Transfer Fee	$30	per item	None
Other Fees
Account History/Monthly Statement Copy	$3	per item	None

Correct a fee source

Nov 1, 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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