Compared with South Carolina
4 of 11
compared fees are above the median.
6 below, 1 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
77th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Carolina median
of 11 compared; 6 below, 1 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for S. C. State 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 452 credit unions with $1B to $10B 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 South Carolina median | Published fees above the South Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | S. C. State Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.2% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (77th 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 $2.3M in Q2 2026, 5.4% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 11 compared published fees sit above the South Carolina median; 6 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 South Carolina medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
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.
Fee income fell 1.3% from Q3 2025 to Q2 2026, to $2.3M. Its share of revenue, 9.2%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$2.3M
S. C. State 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 452 credit unions with $1B to $10B in assets, Q2 2026.
S. C. State Federal Credit Union · $1.5B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| S. C. State Federal Credit Union(this institution) | Columbia, SC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Allsouth Federal Credit Union | Columbia, SC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amoco Federal Credit Union | Texas City, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avadian Federal Credit Union | Birmingham, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Centris Federal Credit Union | Omaha, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Credit Union of Florida | Rockledge, FL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Financial Federal Credit Union | Plymouth, MI | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union West | Glendale, AZ | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Del Norte Federal Credit Union | Los Alamos, NM | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| East Texas Professional Federal Credit Union | Longview, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Commonwealth Federal Credit Union | Lehigh Valley, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Federal Credit Union | Houston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Great Lakes Federal Credit Union | Bannockburn, IL | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Launch Credit Union | Merritt Island, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Listerhill Federal Credit Union | Sheffield, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Multipli Federal Credit Union | Jefferson City, MO | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Nevada Federal Credit Union | Las Vegas, NV | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onpath Federal Credit Union | Metairie, LA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palmetto Citizens Federal Credit Union | Columbia, SC | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Park Federal Credit Union | Louisville, KY | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sikorsky Financial Federal Credit Union | Stratford, CT | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Summit Federal Credit Union | Rochester, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U.S. Eagle Federal Credit Union | Albuquerque, NM | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United States Senate Federal Credit Union | Alexandria, VA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Of Michigan Federal Credit Union | Ann Arbor, MI | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Utilities Employees Federal Credit Union | Reading, PA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 20 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.75 among 20 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
S. C. State 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 S. C. State 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 | $2.3M | −$1K | −0.0% |
| Q1 2026 | $2.3M | −$29K | −1.3% |
| Q4 2025 | $2.3M | +$1K | +0.0% |
| Q3 2025 | $2.3M | +$145K | +6.8% |
| Q2 2025 | $2.1M | −$27K | −1.2% |
| Q1 2025 | $2.2M | −$121K | −5.3% |
| Q4 2024 | $2.3M | −$101K | −4.2% |
| Q3 2024 | $2.4M | +$177K | +8.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, S. C. State 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 S. C. State Federal Credit Union by share.
Amounts from S. C. State Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour · Account Reconciliation and Research Service $20.00 / hour
per item
per item
per item
per item
per item
per item
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Reconciliation and Research Service | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation and Research Service $20.00 / hour |
| Bill Payer Inquiry Error (Charged after conducted research is determined to be a member error) | $25Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Savings (Share) excessive withdrawals (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| ATM, Debit and ACH non-sufficient funds (per transaction) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Card / Debit Card Replacement (Lost, damaged, etc.; per card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Checks (Free to members with mySCU Loyalty Checking accounts) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Request (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copies: Checks / Items | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Charge Back Items | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drill Fee | $95Not compared: Box drilling or key fee | Not stated | None |
Lending Fees | |||
| Late Charge | 5% | Not stated | None |
Retirement & IRA | |||
| IRA Account Maintenance (per plan/per year) (audience not stated, treated as personal) | $6Below the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Other Fees | |||
| Skip A Payment: Charged if granted a one-month convenience skip of loan payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
Oct 19, 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 S. C. State Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
19 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Columbia, SC | 5 |
| Anderson, SC | 2 |
| Lexington, SC | 2 |
| Aiken, SC | 1 |
| Clemson, SC | 1 |
| Florence, SC | 1 |
| Greenville, SC | 1 |
| Greenwood, SC | 1 |
Largest competitors nearby
Local market: Richland and Lexington counties, SC, around its headquarters.
| 35 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 37.1% |
| Truist Bank | 15.8% |
| Wells Fargo Bank, National Association | 10.1% |
| First-Citizens Bank & Trust Company | 9.1% |
| Pinnacle Bank | 5.8% |
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.