Compared with Florida
5 of 14
compared fees are above the median.
5 below, 4 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
99th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 14 compared; 5 below, 4 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Harvesters 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 569 credit unions with $300M to $1B 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Harvesters Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2025 to Q2 2026, standalone quarters
Fee income was 23% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (99th 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 $1.4M in Q2 2026, 11% above the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 14 compared published fees sit above the Florida median; 5 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 Florida medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $1.4M. Its share of revenue, 23%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.4M
Harvesters 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Harvesters Federal Credit Union · $317M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Harvesters Federal Credit Union(this institution) | Cantonment, FL | $317M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 360 Federal Credit Union | Windsor Locks, CT | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Clinton, NY | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dannemora Federal Credit Union | Plattsburgh, NY | $320M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Evolve Federal Credit Union | El Paso, TX | $323M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fall River Municipal Federal Credit Union | Fall River, MA | $316M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Glass City Federal Credit Union | Maumee, OH | $326M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intrepid Federal Credit Union | Helena, MT | $311M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Jetstream Federal Credit Union | Miami Lakes, FL | $307M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lookout Federal Credit Union | Pocatello, ID | $314M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members1St Community Federal Credit Union | Marshalltown, IA | $311M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nebraska Energy Federal Credit Union | Columbus, NE | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwest Plus Federal Credit Union | Everett, WA | $315M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oc Federal Credit Union | Garfield Hts, OH | $315M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pacific N W Federal Credit Union | Portland, OR | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| People'S Alliance Federal Credit Union | Hauppauge, NY | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Preferred Federal Credit Union | Grand Rapids, MI | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Riverfront Federal Credit Union | Wyomissing, PA | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Riverland Federal Credit Union | New Orleans, LA | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Santa Barbara Teachers Federal Credit Union | Santa Barbara, CA | $308M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Secny Federal Credit Union | Syracuse, NY | $323M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Soo Co-Op Federal Credit Union | Sault Sainte Marie, MI | $324M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vacationland Federal Credit Union | Sandusky, OH | $327M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Communities Federal Credit Union | Mosinee, WI | $307M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Vapr Federal Credit Union | San Juan, PR | $316M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Zia Federal Credit Union | Los Alamos, NM | $308M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $4.99 among 13 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
Harvesters 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Harvesters Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q1 2025 to Q2 2026, standalone quarters · 6 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.4M | +$126K | +9.6% |
| Q1 2026 | $1.3M | −$64K | −4.6% |
| Q4 2025 | $1.4M | −$57K | −4.0% |
| Q3 2025 | $1.4M | +$141K | +10.9% |
| Q2 2025 | $1.3M | +$69K | +5.6% |
| Q1 2025 | $1.2M |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Harvesters 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 Harvesters Federal Credit Union by share.
Amounts from Harvesters Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closing Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Research Fee | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege- Courtesy Pay Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds Fee- Overdrawn | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection- Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdraw (out of network) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (international) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Certified Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $2Not compared: Charged per page; comparison unavailable | per page | None |
Account Services | |||
| Lost/Replacement Key | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10”x10” | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3”x10” | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3”x5” | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5”x 5” | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5”x10” | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee-Loan | $29Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Visa Late Payment | $29Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Feb 17, 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 Harvesters Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Pensacola, FL | 4 |
| Cantonment, FL | 2 |
| Milton, FL | 1 |
| Pace, FL | 1 |
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.