Family Trust Federal Credit Union

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

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

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

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026

How these figures are measured

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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: NCUA 5300 call report
Entity: Family Trust Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

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.

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.

Fee income beside fee prices

Fee income rose 1.7% from Q3 2025 to Q2 2026, to $1.3M.

Fee income, Q2 2026

$1.3M

$1.3MQ3 2025

$1.1MQ4 2025

$1.1MQ1 2026

$1.3MQ2 2026

Against the median

Family Trust Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

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.

Credit unions only
$772M to $840M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.45 (6%) above the median of similar-sized credit unions.

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

Family Trust Federal Cred…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Family Trust Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.3M
vs prior quarter: +$186K+16.4%; from Q1 2026
vs a year earlier: +$58K+4.6%; from Q2 2025
vs start of range: +$209K+18.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Family Trust Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

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%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

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.

Fee change alerts

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