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

Harvesters Federal Credit Union

Cantonment, FloridaCredit UnionAtlanta Fed districtFees collected Feb 17, 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

Early Closing Fee$10Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds Fee- Overdrawn at$35Above the typical range ($25–$31.50 nationally)
$5 above the national median
Source
Overdraft Privilege- Courtesy Pay Fee (Check$35Above the typical range ($25–$32 nationally)
$5 above the national median
Source
Overdraft Protection- Transfer Fee$5Within the typical range ($3–$5 nationally)
At the national median
Source
Return Item 3rd Party$37Above the typical range ($25–$31.50 nationally)
$7 above the national median
Source

ATM & CardVerified

ATM Withdraw (out of network)$2Within the typical range ($1–$2.50 nationally)
$0.25 above the national median
Source
Plastic Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Wire Transfer (incoming)$15Within the typical range ($5–$15 nationally)
$5 above the national median
Source
Wire Transfer (international)$50Within the typical range ($40–$50 nationally)
At the national median
Source
Wire Transfer (outgoing)$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Certified Checks$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
Source
Counter Checks$2Within the typical range ($1–$4 nationally)
At the national median
Source
Stop Payment Fee$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source

Account ServicesVerified

10”x10”$80Above the typical range ($25–$77.50 nationally)
$35 above the national median
per year · Source
3”x10”$30Within the typical range ($25–$77.50 nationally)
$15 below the national median
per year · Source
3”x5”$20Below the typical range ($25–$77.50 nationally)
$25 below the national median
per year · Source
5”x 5”$25Within the typical range ($25–$77.50 nationally)
$20 below the national median
per year · Source
5”x10”$45Within the typical range ($25–$77.50 nationally)
At the national median
per year · Source
Lost/Replacement Key$15Below the typical range ($25–$77.50 nationally)
$30 below the national median
Source

Lending FeesVerified

Skip a Payment Fee$28Above the typical range ($15–$25 nationally)
$6 above the national median
Source
Visa Late Payment$29Above the typical range ($15–$25 nationally)
$7 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Early Closing Fee	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Research Fee	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Returned Mail	$5Below the typical range ($20–$25 nationally)	$20 below the national median	per item	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds Fee- Overdrawn at	$35Above the typical range ($25–$31.50 nationally)	$5 above the national median	—	—	Source
Overdraft Privilege- Courtesy Pay Fee (Check	$35
ATM & CardVerified
ATM Withdraw (out of network)	$2Within the typical range ($1–$2.50 nationally)	$0.25 above the national median	—	—	Source
Plastic Card Replacement	$5
Wire TransfersVerified
Wire Transfer (incoming)	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	—	Source
Wire Transfer (international)	$50
Check ServicesVerified
Certified Checks	$2Below the typical range ($3–$5.50 nationally)	$3 below the national median	—	—	Source
Counter Checks	$2
Account ServicesVerified
10”x10”	$80Above the typical range ($25–$77.50 nationally)	$35 above the national median	per year	—	Source
3”x10”	$30
Lending FeesVerified
Skip a Payment Fee	$28Above the typical range ($15–$25 nationally)	$6 above the national median	—	—	Source
Visa Late Payment	$29

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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

17% above the national median overdraft fee

Total fees: 23 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$316.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$316.8M

Total deposits

$284.1M

Service charge income (year to date)

$2.8M

Fee income ratio

23.1%

Return on assets

0.89%

Financial profile · Pro

Performance from regulator filings

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