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.

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Among its peers

Mid Carolina Federal Credit Union · $182M 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.

Credit unions only
$178M to $185M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Mid Carolina Federal Credit Union(this institution)	Lugoff, SC	$182M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Appalachian Community Federal Credit Union	Kingsport, TN	$183M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Saint Louis, MO	$182M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Compass Community Federal Credit Union	Eureka, CA	$179M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Diamond Valley Federal Credit Union	Evansville, IN	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Choice Financial Federal Credit Union	Gloversville, NY	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nebraska Federal Credit Union	Omaha, NE	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greenville Heritage Federal Credit Union	Greenville, SC	$181M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Health Advantage Federal Credit Union	Saginaw, MI	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage South Federal Credit Union	Sylacauga, AL	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Johnsonville Tva Employees Federal Credit Union	Camden, TN	$181M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincone Federal Credit Union	Lincoln, NE	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
N.E.W. Federal Credit Union	Oconto Falls, WI	$178M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Regional Federal Credit Union	Winfield, IN	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rio Grande Valley Credit Union	Harlingen, TX	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Safe Harbor Federal Credit Union	Ludington, MI	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Metro Federal Credit Union	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Louisiana Federal Credit Union	Lake Charles, LA	$183M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Trailnorth Federal Credit Union	Ticonderoga, NY	$180M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ufcw Community Federal Credit Union	Wyoming, PA	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ulster Federal Credit Union	Kingston, NY	$179M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western Sun Federal Credit Union	Broken Arrow, OK	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Mid Carolina Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 12 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Mid Carolina Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Mid Carolina Federal Cred…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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 safe deposit box changes in our data

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

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

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.

Among its peers

Mid Carolina Federal Credit Union · $182M 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.

Credit unions only
$178M to $185M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Mid Carolina Federal Credit Union(this institution)	Lugoff, SC	$182M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Appalachian Community Federal Credit Union	Kingsport, TN	$183M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Saint Louis, MO	$182M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Compass Community Federal Credit Union	Eureka, CA	$179M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Diamond Valley Federal Credit Union	Evansville, IN	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Choice Financial Federal Credit Union	Gloversville, NY	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nebraska Federal Credit Union	Omaha, NE	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greenville Heritage Federal Credit Union	Greenville, SC	$181M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Health Advantage Federal Credit Union	Saginaw, MI	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage South Federal Credit Union	Sylacauga, AL	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Johnsonville Tva Employees Federal Credit Union	Camden, TN	$181M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincone Federal Credit Union	Lincoln, NE	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
N.E.W. Federal Credit Union	Oconto Falls, WI	$178M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Regional Federal Credit Union	Winfield, IN	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rio Grande Valley Credit Union	Harlingen, TX	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Safe Harbor Federal Credit Union	Ludington, MI	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Metro Federal Credit Union	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Louisiana Federal Credit Union	Lake Charles, LA	$183M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Trailnorth Federal Credit Union	Ticonderoga, NY	$180M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ufcw Community Federal Credit Union	Wyoming, PA	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ulster Federal Credit Union	Kingston, NY	$179M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western Sun Federal Credit Union	Broken Arrow, OK	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Mid Carolina Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 12 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Mid Carolina Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Mid Carolina Federal Cred…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.