Compared with Florida
3 of 18
compared fees are above the median.
7 below, 8 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
35th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 18 compared; 7 below, 8 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Financial Educators 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Financial Educators 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 5.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (35th 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 $6K in Q2 2026, 75% below the same quarter a year earlier ($24K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 18 compared published fees sit above the Florida 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 Florida medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $7.50, the middle of its prices
NSF / Returned Item
Compared at $32.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 79% from Q3 2025 to Q2 2026, to $6K. Its share of revenue, 5.3%, is below the 7.2% median for credit unions with under $300M in assets.
$6K
Financial Educators 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Financial Educators Federal Credit Union · $23M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Financial Educators Federal Credit Union(this institution) | Daytona Beach, FL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Advantage One Federal Credit Union | Morrison, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bayou City Federal Credit Union | Houston, TX | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Billerica Municipal Employees Federal Credit Union | Billerica, MA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chattahoochee Federal Credit Union | Valley, AL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Glynn County Federal Employees | Brunswick, GA | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hamakua Federal Credit Union | Pepeekeo, HI | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Main Impact Federal Credit Union | Murray, KY | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Brattleboro, VT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mid-State Federal Credit Union | Carteret, NJ | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mint Valley Federal Credit Union | Longview, WA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe County Teachers Federal Credit Union | Key West, FL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| N.F.G. #2 Federal Credit Union | Warren, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ontario Public Employees Federal Credit Union | Ontario, CA | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority Plus Federal Credit Union | Wilmington, DE | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| S C I Federal Credit Union | Florence, SC | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Strategic Federal Credit Union | Sterling, VA | $23M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tee-Pak Federal Credit Union | Danville, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Thiokol Elkton Federal Credit Union | Elkton, MD | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Trades & Labor Federal Credit Union | Albert Lea, MN | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unite Federal Credit Union | Cedar Falls, IA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Penn P&P Federal Credit Union | Beaver, PA | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westmoreland Water Federal Credit Union | Greensburg, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolf Point Federal Credit Union | Wolf Point, MT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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
Compared at $7.50, the middle of its two prices, against a peer median of $5 among 8 publishing peers.
Its two checking prices are $5 and $10.
$7.50 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 Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Financial Educators 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 | $6K | −$18K | −75.0% |
| Q1 2026 | $24K | −$3K | −11.1% |
| Q4 2025 | $27K | −$2K | −6.9% |
| Q3 2025 | $29K | +$5K | +20.8% |
| Q2 2025 | $24K | −$3K | −11.1% |
| Q1 2025 | $27K | −$2K | −6.9% |
| Q4 2024 | $29K | −$1K | −3.3% |
| Q3 2024 | $30K | +$2K | +7.1% |
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, Financial Educators 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 Financial Educators Federal Credit Union by share.
Amounts from Financial Educators 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 hour
per item
per item
per item
per item
per item
per item
per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Second Chance Draft (checking) Account Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Accounts (If closed within six months of opening.) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormancy Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient Funds Fee (Checks, ATM Card, Debit Card, ACH) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Uncollected Funds Return Check Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Transactions (If using a Presto! Or Plus ATM.) | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit/ATM Card Reissuance | $4Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Mastercard International Currency Conversion fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Check Fee (Cashier Checks) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Official Check -Stop Payment | $5Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment fee (with available funds) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment fee (with no available funds) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Series | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (if amount cashed is greater than acct. balance) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Share Draft Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Levy & Writ Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| Outgoing IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Photo Copy Fee | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copies | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Home Equity Loan Application (non-refundable) | $125Above the U.S. middle 50% ($20 to $37.50 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 Financial Educators 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
| Daytona Beach, FL | 1 |
Largest competitors nearby
Local market: Volusia county, FL, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 17.1% |
| Truist Bank | 16.8% |
| Wells Fargo Bank, National Association | 16.7% |
| TD Bank, National Association | 9.8% |
| JPMorgan Chase Bank, National Association | 7.7% |
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.