Compared with Alabama
5 of 15
compared fees are above the median.
6 below, 4 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
94th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 15 compared; 6 below, 4 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Four Seasons 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. | Four Seasons Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 19% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (94th 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 $382K in Q2 2026, 2.1% above the same quarter a year earlier ($374K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 15 compared published fees sit above the Alabama median; 6 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.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
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 rose 2.7% from Q3 2025 to Q2 2026, to $382K. Its share of revenue, 19%, is above the 7.2% median for credit unions with under $300M in assets.
$382K
Four Seasons 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.
Four Seasons Federal Credit Union · $104M 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 |
|---|---|---|---|---|---|---|---|
| Four Seasons Federal Credit Union(this institution) | Opelika, AL | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Advantage Federal Credit Union | Newton, IA | $106M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Advantage Financial Federal Credit Union | Washington, DC | $103M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Archer Cooperative Federal Credit Union | Archer, NE | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cherokee Strip Federal Credit Union | Ponca City, OK | $106M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Civic Central Federal Credit Union | Jefferson City, MO | $105M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Common Trust Federal Credit Union | Woburn, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Star Federal Credit Union | Elyria, OH | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Compass Federal Credit Union | Oswego, NY | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connect Credit Union | Fort lauderdale, FL | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crossroads Financial Federal Credit Union | Portland, IN | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Watch Federal Credit Union | Abilene, TX | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gardiner Federal Credit Union | Gardiner, ME | $101M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Glendale Federal Credit Union | Glendale, CA | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Chautauqua Federal Credit Union | Falconer, NY | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Federal Credit Union | Honolulu, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I Am Federal Credit Union | New York, NY | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ko`Olau Federal Credit Union | Kailua, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marin County Federal Credit Union | San Rafael, CA | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Money One Federal Credit Union | Largo, MD | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onenebraska Federal Credit Union | Columbus, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Serve Federal Credit Union | Des Moines, IA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tewksbury Federal Credit Union | Tewksbury, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Local Federal Credit Union | Sterling Heights, MI | $107M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vue Community Federal Credit Union | Bismarck, ND | $106M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 8 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Four Seasons Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 Four Seasons 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 | $382K | +$8K | +2.1% |
| Q1 2026 | $374K | −$1K | −0.3% |
| Q4 2025 | $375K | +$3K | +0.8% |
| Q3 2025 | $372K | −$2K | −0.5% |
| Q2 2025 | $374K | +$8K | +2.2% |
| Q1 2025 | $366K | −$14K | −3.7% |
| Q4 2024 | $380K | +$1K | +0.3% |
| Q3 2024 | $379K | +$1K | +0.3% |
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, Four Seasons 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 Four Seasons Federal Credit Union by share.
Amounts from Four Seasons Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Applies if account is closed within 60 days of the account being opened | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Checking Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Debit Card Withdrawal Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Check / Non-Sufficient Funds (NSF) Fee (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Applies when using a non-Four Seasons FCU ATM or a non-AllPoint Network ATM. Other ATM providers may charge (audience not stated, treated as personal) | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit / Credit Card Replacement Fee (Instant or Mailed) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| With Rush Processing by Mail (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| With Rush Processing by Mail & Express Shipping (audience not stated, treated as personal) | $95Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer Fee | $10Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Transfer Fee | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment Fee (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee on Single Item (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check Fee (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Coin machine | 5% | Not stated | None |
| Deposited Item Return Fee | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| NOTARY FEE MAY CHARGE | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment / Levy | $10Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Feb 17, 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 Four Seasons Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Opelika, AL | 2 |
Largest competitors nearby
Local market: Lee county, AL, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| AuburnBank | 20.4% |
| SouthState Bank, National Association | 11.2% |
| FirstBank | 8.6% |
| River Bank & Trust | 8.5% |
| PNC Bank, National Association | 7.8% |
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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