Financial Educators Federal Credit Union

Headquarters: Daytona Beach, Florida
Charter: Credit Union
Assets: $23.5M
Fed district: Atlanta

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $7.50, the middle of its prices
Financial Educators Federal Credit Union: $5 to $10
Financial Educators Federal Credit Union: $5 to $10
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
Financial Educators Federal Credit Union: $30 to $35
Financial Educators Federal Credit Union: $30 to $35
U.S. median: no median
Non-Network ATM
Financial Educators Federal Credit Union: $0.50
Financial Educators Federal Credit Union: $0.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Financial Educators Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$5
per month
Second Chance Draft (checking) Account Monthly fee$10
per month
Closed Accounts (If closed within six months of opening.)$25
Dormancy Fee$10
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$5
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds Fee (Checks, ATM Card, Debit Card, ACH)$35
Uncollected Funds Return Check Fee$30
per item

ATM & Card

ATM Transactions (If using a Presto! Or Plus ATM.)$0.50
per item
Debit/ATM Card Reissuance$4
per item
Mastercard International Currency Conversion fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Wire Transfer Fee$25
per item
Incoming Wire Fee$10
per item
International Wire Fee$50
per item

Check Services

Official Check Fee (Cashier Checks)$5
per item
Money Order$1
per item
Official Check -Stop Payment$5
per item
Stop Payment fee (with available funds)$20
per item
Stop Payment fee (with no available funds)$30
per item
Stop Payment Series$30
Check Cashing Fee (if amount cashed is greater than acct. balance)$3
Share Draft Copies$3
per item

Account Services

Levy & Writ Fee$50

Retirement & IRA

Outgoing IRA Transfer Fee$25
per item

Other Fees

Photo Copy Fee$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copies$3
Not compared: Charged per page; comparison unavailable
per page
Home Equity Loan Application (non-refundable)$125

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$5	per month	None
Second Chance Draft (checking) Account Monthly fee	$10	per month	None
Closed Accounts (If closed within six months of opening.)	$25	Not stated	None
Dormancy Fee	$10	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$5	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)	$35	Not stated	None
Uncollected Funds Return Check Fee	$30	per item	None
ATM & Card
ATM Transactions (If using a Presto! Or Plus ATM.)	$0.50	per item	None
Debit/ATM Card Reissuance	$4	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	$25	per item	None
Incoming Wire Fee	$10	per item	None
International Wire Fee	$50	per item	None
Check Services
Official Check Fee (Cashier Checks)	$5	per item	None
Money Order	$1	per item	None
Official Check -Stop Payment	$5	per item	None
Stop Payment fee (with available funds)	$20	per item	None
Stop Payment fee (with no available funds)	$30	per item	None
Stop Payment Series	$30	Not stated	None
Check Cashing Fee (if amount cashed is greater than acct. balance)	$3	Not stated	None
Share Draft Copies	$3	per item	None
Account Services
Levy & Writ Fee	$50	Not stated	None
Retirement & IRA
Outgoing IRA Transfer Fee	$25	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)	$125	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

Correct a fee source

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.

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