Family Trust Federal Credit Union

Headquarters: Rock Hill, South Carolina
Charter: Credit Union
Assets: $805.4M
Fed district: Richmond

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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
Family Trust Federal Credit Union: $7.95 to $10
Family Trust Federal Credit Union: $7.95 to $10
U.S. median: no median
Overdraft (OD)
Family Trust Federal Credit Union: $32
Family Trust Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Family Trust Federal Credit Union: $32
Family Trust Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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.

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).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 Family Trust Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account maintenance fee$7.95
per month
Fresh Start Checking fee$10
per month
Monthly fee$7.95
per month
Inactive Account 17$10
per month
Research (minimum 1-hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Statement by mail fee$5

Overdraft & NSF

No Bounce Courtesy Pay 4 (audience not stated, treated as personal)$32
per item
NSF (Non-Sufficient Funds) 3 (audience not stated, treated as personal)$32
per item
Overdraft Transfer (from Credit Card) (audience not stated, treated as personal)No charge

ATM & Card

Non-Family Trust ATM Inquiry 12, 13, 14, 15$0.75
Non-Family Trust ATM Transaction 12, 13, 14, 15 (audience not stated, treated as personal)$2
Debit/Credit Card rush fee (new/replace)$50
per item

Wire Transfers

Outgoing Wire (Domestic) (audience not stated, treated as personal)$15
per item
Wire Transfer (Domestic Out)$15
Fee for incoming wire$10

Check Services

Official Check (audience not stated, treated as personal)$3
per item
Money Order (audience not stated, treated as personal)$2
per item
Stop Payment (ACH or Draft) (audience not stated, treated as personal)$32
per item
Check Copy (audience not stated, treated as personal)$2
per item

Cash & Deposit

Coin Counting (audience not stated, treated as personal)8%

Account Services

Drilling (Non-payment) (audience not stated, treated as personal)$150
Not compared: Box drilling or key fee
Key Replacement (Lost key) (audience not stated, treated as personal)$30
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$85
per year
Safe Deposit Box 3x10$40
per year
Safe Deposit Box 3x5$30
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$30
per year
Safe Deposit Box 5x10$50
per year

Gift & Prepaid Cards

Gift Card 10 (audience not stated, treated as personal)$3
per item

Other Fees

Statement Copy (audience not stated, treated as personal)$2
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

Correct a fee source

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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