17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Loyalty Checking $7.95 · Fresh Start Checking $10
Compared at $7.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Family Trust Federal Credit Union · $805M 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 |
|---|---|---|---|---|---|---|---|
| Family Trust Federal Credit Union(this institution) | Rock Hill, SC | $805M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Christian Federal Credit Union | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayer Heritage Federal Credit Union | New Martinsville, WV | $801M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caribe Federal Credit Union | San Juan, PR | $800M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Corda Federal Credit Union | Cedar Rapids, IA | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Direct Federal Credit Union | Needham, MA | $795M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dover-Phila Federal Credit Union | Dover, OH | $813M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Credit Union | Chandler, AZ | $812M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Community Federal Credit Union | Kailua Kona, HI | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Institutes Of Health Federal Credit Union | Rockville, MD | $817M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pathways Financial Federal Credit Union | Columbus, OH | $772M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Polish National Federal Credit Union | Chicopee, MA | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Reliant Community Federal Credit Union | Sodus, NY | $788M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sea Comm Federal Credit Union | Massena, NY | $777M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Smart Financial Federal Credit Union | Houston, TX | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Solarity Federal Credit Union | Yakima, WA | $804M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Federal Credit Union | Middletown, RI | $811M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| True Sky Federal Credit Union | Oklahoma City, OK | $778M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.95, the middle of its three prices, against a peer median of $7.50 among 16 publishing peers.
Its three checking prices are $7.95, $7.95 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Amounts from Family Trust Federal Credit Union’s own schedules, with a source for each figure.
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account maintenance fee | $7.95 | per month | None |
| Fresh Start Checking fee | $10 | per month | None |
| Monthly fee | $7.95 | per month | None |
| Inactive Account 17 | $10 | per month | None |
| Research (minimum 1-hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement by mail fee | $5 | Not stated | None |
Overdraft & NSF | |||
| No Bounce Courtesy Pay 4 (audience not stated, treated as personal) | $32 | per item | None |
| NSF (Non-Sufficient Funds) 3 (audience not stated, treated as personal) | $32 | per item | None |
| Overdraft Transfer (from Credit Card) (audience not stated, treated as personal) | No charge | Not stated | None |
ATM & Card | |||
| Non-Family Trust ATM Inquiry 12, 13, 14, 15 | $0.75 | Not stated | None |
| Non-Family Trust ATM Transaction 12, 13, 14, 15 (audience not stated, treated as personal) | $2 | Not stated | None |
| Debit/Credit Card rush fee (new/replace) | $50 | per item | None |
Wire Transfers | |||
| Outgoing Wire (Domestic) (audience not stated, treated as personal) | $15 | per item | None |
| Wire Transfer (Domestic Out) | $15 | Not stated | None |
| Fee for incoming wire | $10 | Not stated | None |
Check Services | |||
| Official Check (audience not stated, treated as personal) | $3 | per item | None |
| Money Order (audience not stated, treated as personal) | $2 | per item | None |
| Stop Payment (ACH or Draft) (audience not stated, treated as personal) | $32 | per item | None |
| Check Copy (audience not stated, treated as personal) | $2 | per item | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 8% | Not stated | None |
Account Services | |||
| Drilling (Non-payment) (audience not stated, treated as personal) | $150Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (Lost key) (audience not stated, treated as personal) | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $85 | per year | None |
| Safe Deposit Box 3x10 | $40 | per year | None |
| Safe Deposit Box 3x5 | $30 | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $30 | per year | None |
| Safe Deposit Box 5x10 | $50 | per year | None |
Gift & Prepaid Cards | |||
| Gift Card 10 (audience not stated, treated as personal) | $3 | per item | None |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $2 | per item | 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 15, 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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