Compared with Alabama
5 of 19
compared fees are above the median.
12 below, 2 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
90th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 19 compared; 12 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Family Security 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Family Security Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (90th 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 $2.0M in Q2 2026, about level with the same quarter a year earlier ($2.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 19 compared published fees sit above the Alabama median; 12 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 Alabama medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.2% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 12%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$2.0M
Family Security 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Family Security Federal Credit Union · $1.1B 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 |
|---|---|---|---|---|---|---|---|
| Family Security Federal Credit Union(this institution) | Decatur, AL | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Advantage Federal Credit Union | Newport News, VA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Brazos Valley Schools Federal Credit Union | Katy, TX | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community 1St Federal Credit Union | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hfs Federal Credit Union | Hilo, HI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Latino Community Federal Credit Union | Durham, NC | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People First Federal Credit Union | Allentown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Raiz Federal Credit Union | El Paso, TX | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Velocity Federal Credit Union | Austin, TX | $1.1B | 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 14 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Family Security 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Family Security 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 | $2.0M | +$2K | +0.1% |
| Q1 2026 | $2.0M | −$171K | −7.9% |
| Q4 2025 | $2.2M | +$58K | +2.7% |
| Q3 2025 | $2.1M | +$106K | +5.3% |
| Q2 2025 | $2.0M | −$98K | −4.6% |
| Q1 2025 | $2.1M | −$158K | −7.0% |
| Q4 2024 | $2.3M | +$34K | +1.5% |
| Q3 2024 | $2.2M | +$195K | +9.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Family Security 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 Family Security Federal Credit Union by share.
Amounts from Family Security Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
per hour · Account Research | $15.00 per hour
per item
per item
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee (Within 90 days of opening) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (Mail undeliverable & 1 year without financial activity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Member | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $15Not compared: Annual charge, not per item | per year | None |
| Account Research | $15Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $15.00 per hour |
| Return Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft (ACH, Checks, Bill Pay, etc.) | $27Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF/Overdraft (ACH, Checks, Bill Pay, etc.) | $27Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Standard/Extended Privilege Fee | $27Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Overdraft Advantage Transfer Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign transaction fee | 1%of the transaction | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Domestic (Outgoing) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee - International (Outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks (Excludes members age 50 & older) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payments | $27Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee (Without compensating balance) (audience not stated, treated as personal) | 1% | Not stated | None |
| Check Cashing Fee (Without compensating balance) | 1% | Not stated | None |
| Negative Balance Collection Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items (Replacing NSF Checks) | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies thru FSCU employee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copies thru myfscu.com | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| NSF/Overdraft (ACH, Checks, Deposited Returned Item, etc.) | $27Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drill Fee (All Keys Lost) | $150Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box Key Replacement (Single Key Lost) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Fee | $5Not compared: Monthly charge, not annual | per month | None |
| Levy Fee (Court, Garnishment, IRS, Government or Tax) | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Blvd., Moulton, Muscle Shoals, Priceville, Saraland, Stevenson: Late Fee on Delinquent Loans | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee on VISA Credit Card Accounts | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $4Not compared: Charged per statement; comparison unavailable | per statement | Statement Copies | $4.00 per statement |
| Loan Application Fee | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 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 Family Security Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
25 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Decatur, AL | 6 |
| Madison, AL | 2 |
| Mobile, AL | 2 |
| Albertville, AL | 1 |
| Athens, AL | 1 |
| Boaz, AL | 1 |
| Cullman, AL | 1 |
| Daphne, AL | 1 |
Largest competitors nearby
Local market: Morgan county, AL, around its headquarters.
| 16 in its local market | Deposit share |
|---|---|
| Renasant Bank | 23.5% |
| Regions Bank | 18.9% |
| Bank Independent | 10.5% |
| Peoples Bank of Alabama | 9.3% |
| PNC Bank, National Association | 8.6% |
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.