Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Trax Federal Credit Union

Tampa, FloridaCredit UnionAtlanta Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$10Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay-Repayment$29Within the typical range ($25–$32 nationally)
$1 below the national median
per item · Source
Returned Item$20Below the typical range ($25–$31 nationally)
$10 below the national median
per item · Source
Share NSF/ACH/Negative balance$29Within the typical range ($25–$31 nationally)
$1 below the national median
per item · Source

ATM & CardVerified

Foreign ATM transactions at Trax Machines$3.50Above the typical range ($1–$2.50 nationally)
$1.75 above the national median
per transaction · Source
Non-Proprietary ATM Transaction fee$1.50Within the typical range ($1–$2.50 nationally)
$0.25 below the national median
per transaction · Source

Check ServicesVerified

Money Order$2Within the typical range ($1.50–$3 nationally)
At the national median
Source
Non-Member On-Us Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Official Check$5Within the typical range ($3–$6 nationally)
At the national median
Source
Stop Payment$20Within the typical range ($20–$30 nationally)
$6 below the national median
per item · Source

Account ServicesVerified

10" x 10"$100Above the typical range ($30–$70 nationally)
$55 above the national median
per year · Source
3" x 10"$50Within the typical range ($30–$70 nationally)
$5 above the national median
per year · Source
3" x 5"$35Within the typical range ($30–$70 nationally)
$10 below the national median
per year · Source
5" x 10"$75Above the typical range ($30–$70 nationally)
$30 above the national median
per year · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Monthly Maintenance Fee	$4.95Within the typical range ($3–$10 nationally)	$0.53 below the national median	per month	—	Source
Monthly Maintenance Fee	$3.95Within the typical range ($3–$10 nationally)	$1.53 below the national median	per month	—	Source
Savings/Checking closed within 6 months	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay-Repayment	$29Within the typical range ($25–$32 nationally)	$1 below the national median	per item	—	Source
Returned Item	$20
ATM & CardVerified
Foreign ATM transactions at Trax Machines	$3.50Above the typical range ($1–$2.50 nationally)	$1.75 above the national median	per transaction	—	Source
Non-Proprietary ATM Transaction fee	$1.50
Wire TransfersVerified
Domestic Wire Transfer outgoing	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Check ServicesVerified
Money Order	$2Within the typical range ($1.50–$3 nationally)	At the national median	—	—	Source
Non-Member On-Us Check Cashing	$5
Account ServicesVerified
10" x 10"	$100Above the typical range ($30–$70 nationally)	$55 above the national median	per year	—	Source
3" x 10"	$50
Lending FeesVerified
Loan payment late fee	$25Within the typical range ($15–$25 nationally)	$3 above the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa® Gift Card	$4.95Above the typical range ($3–$4.50 nationally)	$1.45 above the national median	—	—	Source
Other FeesVerified
Statement copy	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	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

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 21 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$485.1M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$485.1M

Total deposits

$416.4M

Service charge income (year to date)

$2.0M

Fee income ratio

13.9%

Return on assets

0.28%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 60 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 46,469 published fee entries from 2,884 institutions

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