Compared with Florida
7 of 23
compared fees are above the median.
7 below, 9 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
54th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 23 compared; 7 below, 9 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for South Atlantic 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. | South Atlantic Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.7% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (54th 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 $22K in Q2 2026, about level with the same quarter a year earlier ($22K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 23 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
Leaves out 1 fee charged on a different basis filed under this fee.
NSF / Returned Item
Wire Transfer (Domestic Out)
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 was about level from Q3 2025 to Q2 2026, at $22K. Its share of revenue, 7.7%, is above the 7.2% median for credit unions with under $300M in assets.
$22K
South Atlantic 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.
South Atlantic Federal Credit Union · $18M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| South Atlantic Federal Credit Union(this institution) | Boca Raton, FL | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 1166 Federal Credit Union | Swedesboro, NJ | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Academic Employees Federal Credit Union | Columbia, MO | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bayou Community Federal Credit Union | Saint Gabriel, LA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cadets Federal Credit Union | Elma, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cbi Federal Credit Union | Plainfield, IL | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Combined Employees Federal Credit Union | Warner Robins, GA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Healthcare Federal Credit Union | Manchester, CT | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Energy People Federal Credit Union | Medford, NJ | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farm Credit Employees Federal Credit Union | Saint Paul, MN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fasny Federal Credit Union | Albany, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Lincoln Federal Credit Union | Lincoln, NE | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fontana Federal Credit Union | Fontana, CA | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Linkage Federal Credit Union | Waco, TX | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local Union 392 Federal Credit Union | Cincinnati, OH | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Med Park Federal Credit Union | Grand Forks, ND | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mid-Island Federal Credit Union | Christiansted, VI | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Minerva Area Federal Credit Union | Minerva, OH | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Illinois Federal Credit Union | Dekalb, IL | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Parthenon Federal Credit Union | Nashville, TN | $17M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Santo Christo Federal Credit Union | Fall River, MA | $19M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| South Coast Ilwu Federal Credit Union | North Bend, OR | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Stanwood Area Federal Credit Union | New Stanton, PA | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The West Tennessee Federal Credit Union | Atoka, TN | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Txdot Federal Credit Union | Abilene, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Victoria Teachers Federal Credit Union | Victoria, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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
South Atlantic 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 South Atlantic 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 | $22K | +$4K | +22.2% |
| Q1 2026 | $18K | −$6K | −25.0% |
| Q4 2025 | $24K | +$2K | +9.1% |
| Q3 2025 | $22K | $0 | 0.0% |
| Q2 2025 | $22K | +$1K | +4.8% |
| Q1 2025 | $21K | −$6K | −22.2% |
| Q4 2024 | $27K | +$2K | +8.0% |
| Q3 2024 | $25K | +$1K | +4.2% |
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, South Atlantic 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 South Atlantic Federal Credit Union by share.
Amounts from South Atlantic Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Fee (Monthly; Dormant after 1year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
| Excessive withdrawal fee | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excessive withdrawal fee | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address Fee (Monthly) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Share/Savings Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawal Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| VISA ATM Card | $2Not compared: Monthly charge, not per item | per month | None |
| Credit Union Membership Card (Replacement Fee) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Transfer (U.S. Only - Minimum) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| After first two copies of a Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Check Return | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Deposited Item Return Member to Self | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Legal Processing Fee | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
| Loan Cancellation Fee | $15Below the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
Retirement & IRA | |||
| IRA Annual Fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Early Withdrawal | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Loan Application Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where South Atlantic 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
| Boca Raton, FL | 1 |
Largest competitors nearby
Local market: Palm Beach county, FL, around its headquarters.
| 62 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 15% |
| Wells Fargo Bank, National Association | 14.2% |
| PNC Bank, National Association | 12.4% |
| Truist Bank | 6% |
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.