Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, under $300M

Caro Federal Credit Union

Columbia, South CarolinaCredit UnionRichmond Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

charge for each one-time debit overdraft$35Above the typical range ($10–$30 nationally)

Knox deterministic extraction from Rosetta artifact #768. canonical_hint=overdraft; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="$35.00 charge for each one-time debit overdraft" · Source

Nonsufficient funds fee of$35

$7 above the national median

Knox deterministic extraction from Rosetta artifact #768. canonical_hint=nsf; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="Nonsufficient funds fee of $35.00 per submission/resubmission of an item" · Source

ATM & CardVerified

An ATM receipt must be provided for any ATM fee of$5Above the typical range ($1–$3.93 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #768. canonical_hint=atm_non_network; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund" · Source
charge for ATM withdrawals at machines we do not own (nonproprietary) after four per month$2Within the typical range ($1–$3.93 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #768. canonical_hint=atm_non_network; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="$2.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after four per month" · Source
Replacement card fee of$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #768. canonical_hint=card_replacement; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="Replacement card fee of $10.00 per card" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
charge for each one-time debit overdraft	$35Above the typical range ($10–$30 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #768. canonical_hint=overdraft; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="$35.00 charge for each one-time debit overdraft"	Source
Nonsufficient funds fee of	$35Above the typical range ($15–$32 nationally)	$7 above the national median	—	Knox deterministic extraction from Rosetta artifact #768. canonical_hint=nsf; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="Nonsufficient funds fee of $35.00 per submission/resubmission of an item"	Source
ATM & CardVerified
An ATM receipt must be provided for any ATM fee of	$5Above the typical range ($1–$3.93 nationally)	$3 above the national median	—	Knox deterministic extraction from Rosetta artifact #768. canonical_hint=atm_non_network; text_hash=02149b0723b0bbd78bbedfa98145c90e7bf8acd7b9c40f2cf7f28dae69831d63; excerpt="An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

40% above the national median overdraft fee

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$174.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$174.9M

Total deposits

$149.7M

Service charge income (year to date)

$624K

Fee income ratio

11.5%

Return on assets

0.32%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 6,925 verified fees from 1,557 institutions

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