Mid Carolina Federal Credit Union

Headquarters: Lugoff, South Carolina
Charter: Credit Union
Assets: $181.8M
Fed district: Richmond

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Mid Carolina Federal Credit Union: $30
Mid Carolina Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Mid Carolina Federal Credit Union: $30
Mid Carolina Federal Credit Union: $30
U.S. median: no median
OD Protection Transfer
Mid Carolina Federal Credit Union: $2
Mid Carolina Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Mid Carolina Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account/Abandoned Property Fee (per account /per month)$10
per month
Bad Address Fee (per Occurrence)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$30
per transaction
Overdraft Privilege (per item paid by MCCU)$30
per item
Insufficient Funds (NSF) (per item returned by MCCU)$30
per item
Overdraft Share Transfer Fee (per Transfer)$2
per item

ATM & Card

Debit Card Replacement (per occurrence)$10
per item

Check Services

STOP PAYMENTS Share Drafts$30
Not compared: Monthly charge, not per item
per month
Check Copy Fee (per item)$1
per item

Digital & Electronic

ACH transactions originated through online bankingNo charge
per transaction
Billpay Service Monthly Fee Failed Transaction Fee$3.95
per month

Account Services

Garnishment and Levy Processing Fee$25
per transaction

Lending Fees

Late fee (audience not stated, treated as personal)1.5%

Retirement & IRA

IRA Account Maintenance Fee$10
Not compared: Monthly charge, not annual
per month

Other Fees

Member Statement Copy Fee (printed by MCCU) Statement Copy Fee (per statement/printout) Interim History Printout$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account/Abandoned Property Fee (per account /per month)	$10	per month	None
Bad Address Fee (per Occurrence)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$30	per transaction	None
Overdraft Privilege (per item paid by MCCU)	$30	per item	None
Insufficient Funds (NSF) (per item returned by MCCU)	$30	per item	None
Overdraft Share Transfer Fee (per Transfer)	$2	per item	None
ATM & Card
Debit Card Replacement (per occurrence)	$10	per item	None
Check Services
STOP PAYMENTS Share Drafts	$30Not compared: Monthly charge, not per item	per month	None
Check Copy Fee (per item)	$1	per item	None
Digital & Electronic
ACH transactions originated through online banking	No charge	per transaction	None
Billpay Service Monthly Fee Failed Transaction Fee	$3.95	per month	None
Account Services
Garnishment and Levy Processing Fee	$25	per transaction	None
Lending Fees
Late fee (audience not stated, treated as personal)	1.5%	Not stated	None
Retirement & IRA
IRA Account Maintenance Fee	$10Not compared: Monthly charge, not annual	per month	None
Other Fees
Member Statement Copy Fee (printed by MCCU) Statement Copy Fee (per statement/printout) Interim History Printout	$5	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

Correct a fee source

Oct 31, 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.

Fee change alerts

Get an email when Mid Carolina Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.