Founders Federal Credit Union

Headquarters: Lancaster, South Carolina
Charter: Credit Union
Assets: $5.2B
Fed district: Richmond
Regulator: NCUA

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

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

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Founders 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Founders 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

Details

Source: NCUA 5300 call report
Entity: Founders Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $8.9M in Q2 2026, 7.4% above the same quarter a year earlier ($8.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Overdraft (OD)
Founders Federal Credit Union: $32
Founders Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Founders Federal Credit Union: $1 to $2
Founders Federal Credit Union: $1 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
Founders Federal Credit Union: $15
Founders Federal Credit Union: $15
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 South Carolina, the Richmond 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).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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.

Fee income beside fee prices

Fee income rose 1.5% from Q3 2025 to Q2 2026, to $8.9M.

Fee income, Q2 2026

$8.9M

$8.8MQ3 2025

$9.0MQ4 2025

$8.7MQ1 2026

$8.9MQ2 2026

Against the median

Founders Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Founders Federal Credit Union · $5.2B 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 17 states.

Credit unions only
$4.6B to $5.7B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Founders Federal Credit Union(this institution)	Lancaster, SC	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Affinity Plus Federal Credit Union	Saint Paul, MN	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Heritage Federal Credit Union	Philadelphia, PA	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apple Federal Credit Union	Fairfax, VA	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ascend Federal Credit Union	Tullahoma, TN	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blaze Federal Credit Union	Falcon Heights, MN	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Canvas Federal Credit Union	Lone Tree, CO	$5.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Chevron Federal Credit Union	Concord, CA	$5.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Educational Employees Federal Credit Union	Fresno, CA	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Eecu Federal Credit Union	Fort Worth, TX	$4.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Fairwinds Federal Credit Union	Orlando, FL	$5.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Community Federal Credit Union	Chesterfield, MO	$5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Knoxville Tva Employees Federal Credit Union	Knoxville, TN	$5.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Langley Federal Credit Union	Newport News, VA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Liberty Federal Credit Union	Evansville, IN	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Municipal Federal Credit Union	New York, NY	$5.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Nusenda Federal Credit Union	Albuquerque, NM	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ornl Federal Credit Union	Oak Ridge, TN	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rally Federal Credit Union	Corpus Christi, TX	$4.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Robins Financial Federal Credit Union	Warner Robins, GA	$5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Stanford Federal Credit Union	Palo Alto, CA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Farm Federal Credit Union	Bloomington, IL	$5.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Dow Employees Federal Credit Union	Lake Jackson, TX	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tower Federal Credit Union	Laurel, MD	$5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Truliant Federal Credit Union	Winston Salem, NC	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Washington State Employees Federal Credit Union	Olympia, WA	$5.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Founders Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7 among 15 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Founders Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Founders Federal Credit U…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Founders Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $8.9M
vs prior quarter: +$241K+2.8%; from Q1 2026
vs a year earlier: +$615K+7.4%; from Q2 2025
vs start of range: +$649K+7.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Founders Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$8.9M	+$241K	+2.8%
Q1 2026	$8.7M	−$325K	−3.6%
Q4 2025	$9.0M	+$213K	+2.4%
Q3 2025	$8.8M	+$486K	+5.9%
Q2 2025	$8.3M	+$284K	+3.5%
Q1 2025	$8.0M	−$413K	−4.9%
Q4 2024	$8.4M	+$163K	+2.0%
Q3 2024	$8.3M	+$458K	+5.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Dormant Account Fee$25
per month
Research (any account) (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Research/Copy Fees: Research (any account) (audience not stated, treated as personal)$20
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee$10
per month

Overdraft & NSF

Overdraft transactions greater than $3.00$32
per transaction

ATM & Card

Foreign ATM balance inquiry or transfer$1
per item
Foreign ATM withdrawal$2
per item
ATM/Debit Card Replacement Fee$7
per item
Card Rush Fee$20
Cross-border1%of the transaction

Wire Transfers

Wire Transfers: Domestic Outgoing$15
per item
Wire Transfers: Domestic Incoming$15
per item
Wire Transfers: International Incoming$35
per item

Check Services

Corporate Check$2
per item
Stop Payment and Reissue Fee$32
Stop Payment Fee$32
per item
Non-Member On Us Check Cashing Fee$8
per item
Check copies (two free per month)$2
per item
Credit Card statement/check copies$2
per item

Digital & Electronic

Bill Pay Fee$10

Account Services

Safe Deposit Box 10x10 (audience not stated, treated as personal)$95
per item
Safe Deposit Box 3x10 (audience not stated, treated as personal)$40
per item
Safe Deposit Box 3x5$30
Safe Deposit Box 5x10 (audience not stated, treated as personal)$55
per item
Safe Deposit Box 5x5$35
Safe Deposit Box 7x10 (audience not stated, treated as personal)$70
per item
Safe Deposit Box: 3x5 (audience not stated, treated as personal)$30
per item
Safe Deposit Box: 5x5 (audience not stated, treated as personal)$35
per item
Levies/Garnishments$50
per item
Account Verification Request (audience not stated, treated as personal)$20
per item

Other Fees

Copy of sales receipt - non-fraud requests$5
Statement Copies$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$25	per month	None
Research (any account) (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research/Copy Fees: Research (any account) (audience not stated, treated as personal)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee	$10	per month	None
Overdraft & NSF
Overdraft transactions greater than $3.00	$32	per transaction	None
ATM & Card
Foreign ATM balance inquiry or transfer	$1	per item	None
Foreign ATM withdrawal	$2	per item	None
ATM/Debit Card Replacement Fee	$7	per item	None
Card Rush Fee	$20	Not stated	None
Cross-border	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$15	per item	None
Wire Transfers: Domestic Incoming	$15	per item	None
Wire Transfers: International Incoming	$35	per item	None
Check Services
Corporate Check	$2	per item	None
Stop Payment and Reissue Fee	$32	Not stated	None
Stop Payment Fee	$32	per item	None
Non-Member On Us Check Cashing Fee	$8	per item	None
Check copies (two free per month)	$2	per item	None
Credit Card statement/check copies	$2	per item	None
Digital & Electronic
Bill Pay Fee	$10	Not stated	None
Account Services
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$95	per item	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$40	per item	None
Safe Deposit Box 3x5	$30	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$55	per item	None
Safe Deposit Box 5x5	$35	Not stated	None
Safe Deposit Box 7x10 (audience not stated, treated as personal)	$70	per item	None
Safe Deposit Box: 3x5 (audience not stated, treated as personal)	$30	per item	None
Safe Deposit Box: 5x5 (audience not stated, treated as personal)	$35	per item	None
Levies/Garnishments	$50	per item	None
Account Verification Request (audience not stated, treated as personal)	$20	per item	None
Other Fees
Copy of sales receipt - non-fraud requests	$5	Not stated	None
Statement Copies	$2	per item	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

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.

Fee change alerts

Get an email when Founders Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.