Compared with South Carolina
2 of 17
compared fees are above the median.
11 below, 4 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
92nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Carolina median
of 17 compared; 11 below, 4 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Safe 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 452 credit unions with $1B to $10B 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 South Carolina median | Published fees above the South Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Safe Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (92nd 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 $4.5M in Q2 2026, 6.0% above the same quarter a year earlier ($4.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 17 compared published fees sit above the South Carolina median; 11 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 South Carolina medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 1.2% from Q3 2025 to Q2 2026, to $4.5M. Its share of revenue, 13%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.5M
Safe 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Safe Federal Credit Union · $2B 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Safe Federal Credit Union(this institution) | Sumter, SC | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alabama Federal Credit Union | Tuscaloosa, AL | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bay Federal Credit Union | Capitola, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caltech Employees Federal Credit Union | La Canada, CA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cyprus Federal Credit Union | West Jordan, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dupont Community Federal Credit Union | Waynesboro, VA | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Educational Federal Credit Union | Miami, FL | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fibre Federal Credit Union | Longview, WA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Entertainment Federal Credit Union | Hollywood, CA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Federal Credit Union | Berrien Springs, MI | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizon Federal Credit Union | Spokane Valley, WA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Indiana University Federal Credit Union | Bloomington, IN | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lafayette Federal Credit Union | Rockville, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marion And Polk Schools Federal Credit Union | Salem, OR | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monterra Federal Credit Union | Redwood City, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Philadelphia Federal Credit Union | Philadelphia, PA | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Scott Federal Credit Union | Edwardsville, IL | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Self Reliance Ny Federal Credit Union | New York, NY | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Srp Federal Credit Union | North Augusta, SC | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Suffolk Federal Credit Union | Medford, NY | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Credit Union, Inc | Lima, OH | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Texas Trust Federal Credit Union | Mansfield, TX | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tyndall Federal Credit Union | Panama City, FL | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westerra Federal Credit Union | Denver, CO | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Whitefish Credit Union Association | Whitefish, MT | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 12 publishing peers.
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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Safe Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Safe 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 | $4.5M | +$83K | +1.9% |
| Q1 2026 | $4.4M | −$101K | −2.2% |
| Q4 2025 | $4.5M | +$73K | +1.6% |
| Q3 2025 | $4.5M | +$200K | +4.7% |
| Q2 2025 | $4.3M | +$307K | +7.8% |
| Q1 2025 | $3.9M | +$2K | +0.1% |
| Q4 2024 | $3.9M | −$1K | −0.0% |
| Q3 2024 | $3.9M | +$310K | +8.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Safe 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 Safe Federal Credit Union by share.
Amounts from Safe Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
per item
per item
per item
per item
per item
per item
per item
per document
per page
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive/Dormant Account Fee (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance Fee (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research / Reconcilement Fee (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address Fee (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transaction Fee (per withdrawal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement Fee (per debit card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Transfer Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check Payable to Third Party Fee (per check) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Bill Pay Stop Payment Fee (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Debit Card Stop Payment Order Fee (per request) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Order Fee (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Deposit Fee | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy Fee (per check) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Overnight Payment Fee (per item) | $14.95Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Non-Member Coin Processing Fee (audience not stated, treated as personal) | 10% | Not stated | None |
Account Services | |||
| Notary Public Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $28Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Levy/Garnishment Processing Fee (per occurrence) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Copy Fee (per document) | $2Not compared: Charged per document; comparison unavailable | per document | None |
| Microfiche Reproduction (per microfiche) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Reproduction (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy Fee (per month) | $5Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 9, 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 Safe Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
21 offices in 1 state (June 30, 2026)
Each dot is one office.
20 of 21 offices on the map. 3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Sumter, SC | 7 |
| Columbia, SC | 3 |
| Lexington, SC | 2 |
| Bishopville, SC | 1 |
| Camden, SC | 1 |
| Eastover, SC | 1 |
| Florence, SC | 1 |
| Irmo, SC | 1 |
Largest competitors nearby
Local market: Sumter county, SC, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| Pinnacle Bank | 31.5% |
| Wells Fargo Bank, National Association | 21.8% |
| First-Citizens Bank & Trust Company | 19.5% |
| Truist Bank | 8.9% |
| The Bank of Clarendon | 8.6% |
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.