Compared with Alabama
2 of 15
compared fees are above the median.
7 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
63rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 15 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Fedmont 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 2,932 credit unions with under $300M 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Fedmont Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.1% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (63rd 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 $14K in Q2 2026, about level with the same quarter a year earlier ($14K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the Alabama median; 7 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 Alabama medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 13% from Q3 2025 to Q2 2026, to $14K. Its share of revenue, 9.1%, is above the 7.2% median for credit unions with under $300M in assets.
$14K
Fedmont 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Fedmont Federal Credit Union · $13M in assets
Banks and credit unions in the Montgomery, AL metro
Banks and credit unions with branches in the Montgomery, AL metro: the local competitors for deposits and customers. They range from $184M to $1.9T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Fedmont Federal Credit Union(this institution) | Montgomery, AL | $13M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alabama One Federal Credit Union | Tuscaloosa, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| AmeriFirst Bank | Montgomery, AL | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Auburn University Federal Credit Union | Auburn, AL | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Community Bank of Central Alabama | Wetumpka, AL | $694M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage South Federal Credit Union | Sylacauga, AL | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hope Federal Credit Union | Jackson, MS | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Max Federal Credit Union | Montgomery, AL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Navy Federal Credit Union | Vienna, VA | $204.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Energy Federal Credit Union | Birmingham, AL | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Valley National Bank | Passaic, NJ | $66.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
26 peers selected · 20 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $10 among 20 publishing peers.
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 2, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Fedmont 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 | $14K | −$1K | −6.7% |
| Q1 2026 | $15K | −$1K | −6.3% |
| Q4 2025 | $16K | $0 | 0.0% |
| Q3 2025 | $16K | +$2K | +14.3% |
| Q2 2025 | $14K | $0 | 0.0% |
| Q1 2025 | $14K | −$1K | −6.7% |
| Q4 2024 | $15K | −$1K | −6.3% |
| Q3 2024 | $16K | −$1K | −5.9% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Fedmont 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 Fedmont Federal Credit Union by share.
Amounts from Fedmont Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Research | $20.00 Per Hour
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Charge Charged If Minimum Balance Is Not Met | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low Balance Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Share Account Closure Charged If New Share Account is Closed Within 6 Months | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Charges Start After 1 Year with no Activity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $20.00 Per Hour |
| Returned Mail/Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ACH Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Debit Card Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashiers Check Credit Union Members Receive 2 Free Checks Per Day | $5Not compared: Daily charge, not per item | per day | None |
| Stop Payment Charged For Every Payment Stopped | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Photocopy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 31, 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 Fedmont Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Montgomery, AL | 1 |
Largest competitors nearby
Local market: Montgomery county, AL, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| Regions Bank | 23.3% |
| ServisFirst Bank | 18.3% |
| Pinnacle Bank | 11.7% |
| Wells Fargo Bank, National Association | 10.7% |
| River Bank & Trust | 10.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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