South Atlantic Federal Credit Union

Headquarters: Boca Raton, Florida
Charter: Credit Union
Assets: $17.8M
Fed district: Atlanta

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

NSF / Returned Item
South Atlantic Federal Credit Union: $35
South Atlantic Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
South Atlantic Federal Credit Union: $1
South Atlantic Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
South Atlantic Federal Credit Union: $20
South Atlantic Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 South Atlantic Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account Fee (Monthly; Dormant after 1year)$5
per month
Account Reconciliation/Research per hour$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee per hour$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
per item
Excessive withdrawal fee$5
per item
Excessive withdrawal fee$10
per item
Bad Address Fee (Monthly)$5
per month

Overdraft & NSF

Non-Sufficient Funds$35
per item
Overdraft Transfer from Share/Savings Overdraft Transfer$5
per item

ATM & Card

ATM Withdrawal Fee$1
per item
VISA ATM Card$2
Not compared: Monthly charge, not per item
per month
Credit Union Membership Card (Replacement Fee)$3
per item
Replacement Card$15
per item

Wire Transfers

Outgoing Wire Transfer (U.S. Only - Minimum)$20
Incoming Wire Transfer$10

Check Services

Cashiers Checks$5
per item
Money Orders$3
per item
Stop payment$30
per item
Stop Payment Fee$35
per item
Non-Member Check Cashing$5
per item
After first two copies of a Draft$5
per item

Cash & Deposit

Deposited Check Return$20
per item
Deposited Item Return Member to Self$35
per item

Account Services

Legal Processing Fee$50
Account Verification$20

Lending Fees

Late Fee$25
per item
Loan Cancellation Fee$15
per item

Retirement & IRA

IRA Annual Fee$20
per year
IRA Early Withdrawal$25
per item

Other Fees

Loan Application Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee (Monthly; Dormant after 1year)	$5	per month	None
Account Reconciliation/Research per hour	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee per hour	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	per item	None
Excessive withdrawal fee	$5	per item	None
Excessive withdrawal fee	$10	per item	None
Bad Address Fee (Monthly)	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds	$35	per item	None
Overdraft Transfer from Share/Savings Overdraft Transfer	$5	per item	None
ATM & Card
ATM Withdrawal Fee	$1	per item	None
VISA ATM Card	$2Not compared: Monthly charge, not per item	per month	None
Credit Union Membership Card (Replacement Fee)	$3	per item	None
Replacement Card	$15	per item	None
Wire Transfers
Outgoing Wire Transfer (U.S. Only - Minimum)	$20	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Check Services
Cashiers Checks	$5	per item	None
Money Orders	$3	per item	None
Stop payment	$30	per item	None
Stop Payment Fee	$35	per item	None
Non-Member Check Cashing	$5	per item	None
After first two copies of a Draft	$5	per item	None
Cash & Deposit
Deposited Check Return	$20	per item	None
Deposited Item Return Member to Self	$35	per item	None
Account Services
Legal Processing Fee	$50	Not stated	None
Account Verification	$20	Not stated	None
Lending Fees
Late Fee	$25	per item	None
Loan Cancellation Fee	$15	per item	None
Retirement & IRA
IRA Annual Fee	$20	per year	None
IRA Early Withdrawal	$25	per item	None
Other Fees
Loan Application Fee	$25	Not stated	None

Correct a fee source

Nov 2, 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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