Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Financial Educators Federal Credit Union

Daytona Beach, FloridaCredit UnionAtlanta Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Closed Accounts (If closed within six months of opening.)$25Within the typical range ($10–$25 nationally)

Mailed Statement Fee$5

$2 above the national median

Source

Monthly Service Fee If no relationship (checking, money manager, etc) and balance is under$5

$1 below the national median

per month · Source

Research Fee$25

At the national median

Source

Returned Mail Fee$5

$20 below the national median

Source

Overdraft & NSFVerified

Non-Sufficient Funds Fee (Checks, ATM Card, Debit Card, ACH)$35Above the typical range ($25–$31 nationally)
$5 above the national median
Source
Uncollected Funds Return Check Fee$30Within the typical range ($25–$31 nationally)
At the national median
Source

ATM & CardVerified

Debit/ATM Card Reissuance$4Above the typical range ($1–$2.50 nationally)
$2.37 above the national median
Source

Wire TransfersVerified

Incoming Wire Fee$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire Transfer Fee$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Check Cashing Fee (if amount cashed is greater than acct. balance)$3Below the typical range ($5–$10 nationally)
$2 below the national median
Source
Money Order$1Below the typical range ($1.50–$3 nationally)
$1 below the national median
Source
Official Check Fee (Cashier Checks)$5Within the typical range ($3–$5 nationally)
At the national median
Source
Stop Payment fee (with available funds)$20Within the typical range ($20–$30 nationally)
$5 below the national median
Source
Stop Payment fee (with no available funds)$30Within the typical range ($20–$30 nationally)
$5 above the national median
Source

Account ServicesVerified

Levy & Writ Fee$50Within the typical range ($30–$75 nationally)
At the national median
Source

Lending FeesVerified

Loan Modification Fee$50Within the typical range ($25–$50 nationally)
$15 above the national median
Source

Retirement & IRAVerified

Outgoing IRA Transfer Fee$25Within the typical range ($25–$35 nationally)
At the national median
Source

Other FeesVerified

Home Equity Loan Application (non-refundable)$125Above the typical range ($20–$36.88 nationally)
$96.75 above the national median
Source
Statement Copies$3Within the typical range ($2–$5 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Closed Accounts (If closed within six months of opening.)	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Mailed Statement Fee	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
Monthly Service Fee If no relationship (checking, money manager, etc) and balance is under	$5Within the typical range ($3–$10 nationally)	$1 below the national median	per month	—	Source
Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Returned Mail Fee	$5Below the typical range ($20–$25 nationally)	$20 below the national median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds Fee (Checks, ATM Card, Debit Card, ACH)	$35Above the typical range ($25–$31 nationally)	$5 above the national median	—	—	Source
Uncollected Funds Return Check Fee	$30
ATM & CardVerified
Debit/ATM Card Reissuance	$4Above the typical range ($1–$2.50 nationally)	$2.37 above the national median	—	—	Source
Wire TransfersVerified
Incoming Wire Fee	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing Wire Transfer Fee	$25
Check ServicesVerified
Check Cashing Fee (if amount cashed is greater than acct. balance)	$3Below the typical range ($5–$10 nationally)	$2 below the national median	—	—	Source
Money Order	$1
Account ServicesVerified
Levy & Writ Fee	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Lending FeesVerified
Loan Modification Fee	$50Within the typical range ($25–$50 nationally)	$15 above the national median	—	—	Source
Retirement & IRAVerified
Outgoing IRA Transfer Fee	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Home Equity Loan Application (non-refundable)	$125Above the typical range ($20–$36.88 nationally)	$96.75 above the national median	—	—	Source
Statement Copies	$3

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $35

17% above the national median NSF fee

Total fees: 20 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$23.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$23.5M

Total deposits

$19.7M

Service charge income (year to date)

$30K

Fee income ratio

5.3%

Return on assets

0.73%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 32,718 verified fees from 2,439 institutions

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