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, $300M to $1B

Family Trust Federal Credit Union

Rock Hill, South CarolinaCredit UnionRichmond Fed districtFees collected Oct 9, 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

Account maintenance fee$7.95Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

No Bounce Courtesy Pay 4$32Within the typical range ($25–$33 nationally)
$2 above the national median$1 above the South Carolina median
per item · Source
NSF (Non-Sufficient Funds) 3$32Within the typical range ($25–$32 nationally)
$2 above the national median$1.50 above the South Carolina median
per item · Source
Overdraft protection transfer from savings account or credit card$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$2 below the South Carolina median
per transaction · Source
Overdraft Transfer (from Savings)$0Below the typical range ($2.50–$5 nationally)
$5 below the national median$2 below the South Carolina median
Source

ATM & CardVerified

Non-Family Trust ATM Inquiry 12, 13, 14, 15$0.75Below the typical range ($1–$2.25 nationally)
$0.75 below the national median$1.25 below the South Carolina median
Source
Non-Family Trust ATM Transaction 12, 13, 14, 15$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the South Carolina median
Source
Debit/Credit Card rush fee (new/replace)$50Within the typical range ($30–$50 nationally)
$10 above the national median$20 above the South Carolina median
per item · Source

Wire TransfersVerified

and outgoing wire$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the South Carolina median
Source
Outgoing Wire (Domestic)$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the South Carolina median
per item · Source
Fee for incoming wire$10Within the typical range ($5–$15 nationally)
At the national medianAt the South Carolina median
Source

Check ServicesVerified

Official Check$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the South Carolina median
per item · Source
Money Order$2Within the typical range ($1.50–$3 nationally)
At the national medianAt the South Carolina median
per item · Source
Stop Payment (ACH or Draft)$32Above the typical range ($20–$30 nationally)
$4.50 above the national median$1.50 above the South Carolina median
per item · Source
Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the South Carolina median
per item · Source

Account ServicesVerified

Drilling (Non-payment)$150Above the typical range ($30–$70 nationally)
$105 above the national median$95 above the South Carolina median
Source
Key Replacement (Lost key)$30Within the typical range ($30–$70 nationally)
$15 below the national median$25 below the South Carolina median
Source
Safe Deposit Box 10x10$85Above the typical range ($30–$70 nationally)
$40 above the national median$30 above the South Carolina median
per year · Source
Safe Deposit Box 3x10$40Within the typical range ($30–$70 nationally)
$5 below the national median$15 below the South Carolina median
per year · Source
Safe Deposit Box 3x5$30Within the typical range ($30–$70 nationally)
$15 below the national median$25 below the South Carolina median
per year · Source
Safe Deposit Box 5x10$50Within the typical range ($30–$70 nationally)
$5 above the national median$5 below the South Carolina median
per year · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account maintenance fee	$7.95Within the typical range ($4–$10 nationally)	$1.95 above the national median$0.45 above the South Carolina median	per month	—	Source
Inactive Account 17	$10Within the typical range ($5–$10 nationally)	$5 above the national median$2.75 above the South Carolina median	per month	—	Source
Statement by mail fee	$5Above the typical range ($2–$4.95 nationally)	$2 above the national median$2 above the South Carolina median	—	—	Source
Overdraft & NSFVerified
No Bounce Courtesy Pay 4	$32Within the typical range ($25–$33 nationally)	$2 above the national median$1 above the South Carolina median	per item	—	Source
NSF (Non-Sufficient Funds) 3	$32
ATM & CardVerified
Non-Family Trust ATM Inquiry 12, 13, 14, 15	$0.75Below the typical range ($1–$2.25 nationally)	$0.75 below the national median$1.25 below the South Carolina median	—	—	Source
Non-Family Trust ATM Transaction 12, 13, 14, 15	$2
Wire TransfersVerified
and outgoing wire	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the South Carolina median	—	—	Source
Outgoing Wire (Domestic)	$15
Check ServicesVerified
Official Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the South Carolina median	per item	—	Source
Money Order	$2
Account ServicesVerified
Drilling (Non-payment)	$150Above the typical range ($30–$70 nationally)	$105 above the national median$95 above the South Carolina median	—	—	Source
Key Replacement (Lost key)	$30
Gift & Prepaid CardsVerified
Gift Card 10	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national medianAt the South Carolina median	per item	—	Source
Other FeesVerified
Statement Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median$0.31 below the South Carolina median	per item	—	Source

Against Richmond Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$32.00
Of 108 others that publish it, 67 lower, 12 the same and 29 higher.
Monthly maintenance
$7.95
Of 57 others that publish it, 38 lower and 19 higher.

See every headline fee against its local competitors

Fee change alerts

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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

$32

Overdraft fee: $32

7% above the national median overdraft fee

25 verified fees collected

Headline fees published

10 of 15

Published fees

Under review

Assets

$805.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$805.4M

Total deposits

$675.5M

Service charge income (year to date)

$2.5M

Fee income ratio

8.7%

Return on assets

1.04%

Financial profile · Pro

Performance from regulator filings

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Based on 65,356 published fee entries from 3,591 institutions

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