Compared with South Carolina
3 of 17
compared fees are above the median.
8 below, 6 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
56th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Carolina median
of 17 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Family Trust 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 569 credit unions with $300M to $1B 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. | Family Trust Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.7% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (56th 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 $1.3M in Q2 2026, 4.6% above the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 17 compared published fees sit above the South Carolina median; 8 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
Compared at $1.38, the middle of its prices
Monthly Maintenance
Loyalty Checking $7.95 · Fresh Start Checking $10
Compared at $7.95, the middle of its prices
Overdraft (OD)
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 1.7% from Q3 2025 to Q2 2026, to $1.3M. Its share of revenue, 8.7%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.3M
Family Trust 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.75 to $2; we compare the midpoint. Monthly maintenance: Listed at $7.95 to $10; we compare the midpoint.
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.
Call reports for Family Trust 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 | $1.3M | +$186K | +16.4% |
| Q1 2026 | $1.1M | −$6K | −0.5% |
| Q4 2025 | $1.1M | −$158K | −12.2% |
| Q3 2025 | $1.3M | +$36K | +2.9% |
| Q2 2025 | $1.3M | +$255K | +25.3% |
| Q1 2025 | $1.0M | −$151K | −13.0% |
| Q4 2024 | $1.2M | +$47K | +4.2% |
| Q3 2024 | $1.1M | −$9K | −0.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Family Trust 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 Family Trust Federal Credit Union by share.
Amounts from Family Trust Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account maintenance fee | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fresh Start Checking fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account 17 | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research (minimum 1-hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement by mail fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| No Bounce Courtesy Pay 4 (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (Non-Sufficient Funds) 3 (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (from Credit Card) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non-Family Trust ATM Inquiry 12, 13, 14, 15 | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-Family Trust ATM Transaction 12, 13, 14, 15 (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit/Credit Card rush fee (new/replace) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire (Domestic) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (Domestic Out) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Fee for incoming wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (ACH or Draft) (audience not stated, treated as personal) | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Gift Card 10 (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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.
Where Family Trust Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Rock Hill, SC | 4 |
| Clover, SC | 1 |
| Fort Mill, SC | 1 |
| Greenville, SC | 1 |
| York, SC | 1 |
Largest competitors nearby
Local market: York county, SC, around its headquarters.
| 18 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 21.6% |
| SouthState Bank, National Association | 19.1% |
| Bank of America, National Association | 13% |
| First-Citizens Bank & Trust Company | 11% |
| Truist Bank | 8.2% |
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.