Compared with South Carolina
2 of 18
compared fees are above the median.
9 below, 7 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
86th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Carolina median
of 18 compared; 9 below, 7 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Carolina 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. | Carolina Trust Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (86th 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 $944K in Q2 2026, 5.9% above the same quarter a year earlier ($891K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 18 compared published fees sit above the South Carolina median; 9 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.
Monthly Maintenance
Compared at $4.95, the middle of its prices
Overdraft (OD)
Non-Network ATM
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 5.1% from Q3 2025 to Q2 2026, to $944K. Its share of revenue, 13%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$944K
Carolina 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. *Monthly maintenance: Listed at $3.95 to $5.95; we compare the midpoint.
Carolina Trust Federal Credit Union · $422M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Carolina Trust Federal Credit Union(this institution) | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Acadia Federal Credit Union | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ashland Federal Credit Union | Ashland, KY | $412M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Community Credit Union of Beloit | Beloit, WI | $410M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal 1 Federal Credit Union | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Yolo Federal Credit Union | Woodland, CA | $412M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.95, the middle of its two prices, against a peer median of $5 among 9 publishing peers.
Its two checking prices are $3.95 and $5.95.
$4.95 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Carolina 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 | $944K | +$35K | +3.9% |
| Q1 2026 | $909K | −$61K | −6.3% |
| Q4 2025 | $970K | +$72K | +8.0% |
| Q3 2025 | $898K | +$7K | +0.8% |
| Q2 2025 | $891K | −$1K | −0.1% |
| Q1 2025 | $892K | −$71K | −7.4% |
| Q4 2024 | $963K | +$41K | +4.4% |
| Q3 2024 | $922K | +$61K | +7.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Carolina 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 Carolina Trust Federal Credit Union by share.
Amounts from Carolina Trust Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per year
per hour
per month
per month
per item
per item · per page of 4
per item
one time
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Accounts: Rewards monthly service fee | $3.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Rewards + monthly service fee | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance Fee -Money Market Account less than $500 minimum balance during a month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure (Within 90 days of open date) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive/Dormant Account (assessed monthly) | $10Not compared: Annual charge, not monthly | per year | None |
| Balance Checking Account / Account Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Process/Mail Delivery - (assessed monthly)^ | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Bad Address (assessed monthly) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF)/Courtesy Pay - overdraft by any means | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transactions at machines not owned by CTFCU | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/ Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Overnight Card Rush Delivery | $25Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Wires - Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires - Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wires - International Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Credit Union Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Non-Member /Merchant Exchange | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Bill Pay - Stop Payment and Reissue (per payment) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | per page of 4 |
| Temporary Checks (per page of 4) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Non- Member | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay - Excessive Payments (over 15 within 30 days) | $0.49Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay - Overnight Delivery (per payment) | $17.50Not compared: Per-item charge, not monthly | per item | None |
Account Services | |||
| Tax Levy | $100Not compared: Monthly charge, not per item | per month | None |
| Subordination Request | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | one time | None |
Other Fees | |||
| Copy of Cleared Personal Check (free online banking) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Special/Interim Statement (per statement) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Refinance Existing Auto Loan | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 9, 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 Carolina Trust Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Myrtle Beach, SC | 2 |
| Conway, SC | 1 |
| Johnsonville, SC | 1 |
| Lake City, SC | 1 |
| Little River, SC | 1 |
| Surfside Beach, SC | 1 |
Largest competitors nearby
Local market: Horry county, SC, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| The Conway National Bank | 12.4% |
| Anderson Brothers Bank | 10.7% |
| Truist Bank | 9.6% |
| Wells Fargo Bank, National Association | 9.2% |
| Bank of America, National Association | 8.1% |
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.