Compared with North Carolina
4 of 10
compared fees are above the median.
4 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
55th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 10 compared; 4 below, 2 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Charlotte Fire Department 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 2,932 credit unions with under $300M 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 North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Charlotte Fire Department Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.0% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (55th 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 $58K in Q2 2026, 1.7% below the same quarter a year earlier ($59K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 10 compared published fees sit above the North Carolina median; 4 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 North Carolina medians for fees published by banks and credit unions.
Stop Payment
Compared at $12.50, the middle of its prices
Wire Transfer (Domestic Out)
Minimum Balance
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.9% from Q3 2025 to Q2 2026, to $58K. Its share of revenue, 8.0%, is above the 7.2% median for credit unions with under $300M in assets.
$58K
Charlotte Fire Department 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 2,932 credit unions with under $300M in assets, Q2 2026.
Charlotte Fire Department Federal Credit Union · $56M 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 |
|---|---|---|---|---|---|---|---|
| Charlotte Fire Department Federal Credit Union(this institution) | Charlotte, NC | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ark Valley Federal Credit Union | Arkansas City, KS | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Brooklyn Cooperative Federal Credit Union | Brooklyn, NY | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Central Wisconsin Federal Credit Union | Plover, WI | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Financial Partners Federal Credit Union | Woodburn, IN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Forge Federal Credit Union | Upper Darby, PA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fraternal Order Of Police Federal Credit Union | Tulsa, OK | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heart O' Texas Federal Credit Union | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hopewell Chemical Federal Credit Union | Hopewell, VA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Huntington Beach Federal Credit Union | Huntington Beach, CA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Jack Daniel Employees Federal Credit Union | Lynchburg, TN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kue Federal Credit Union | Lexington, KY | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| L. A. Electrical Workers Credit Un. Federal Credit Union | Pasadena, CA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lancaster Red Rose Federal Credit Union | Leola, PA | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lifetime Federal Credit Union | Richardson, TX | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mokelumne Federal Credit Union | Lodi, CA | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwest Hills Federal Credit Union | Torrington, CT | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Olympia Federal Credit Union | Olympia, WA | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pitney Bowes Employees Federal Credit Union | Shelton, CT | $57M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Post Office Employees' Federal Credit Union | Metairie, LA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Federal Credit Union | Orlando, FL | $56M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Employees Federal Credit Union | Spring Valley, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Northwest Federal Credit Union | Norton, KS | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Trades Federal Credit Union | Tualatin, OR | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Van Cortlandt Cooperative Federal Credit Union | Bronx, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Westminster Federal Credit Union | Westminster, CO | $55M | 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 · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.25 among 8 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
Charlotte Fire Department 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 Charlotte Fire Department 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 | $58K | +$4K | +7.4% |
| Q1 2026 | $54K | −$8K | −12.9% |
| Q4 2025 | $62K | +$1K | +1.6% |
| Q3 2025 | $61K | +$2K | +3.4% |
| Q2 2025 | $59K | +$1K | +1.7% |
| Q1 2025 | $58K | −$3K | −4.9% |
| Q4 2024 | $61K | +$3K | +5.2% |
| Q3 2024 | $58K | −$5K | −7.9% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Charlotte Fire Department 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 Charlotte Fire Department Federal Credit Union by share.
Amounts from Charlotte Fire Department Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee (balance less than $200.00) | $4Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account (Inactive for 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Shares less than Balance (Inactive for 12 months) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation / Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal Fee (After 2 per month) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Undeliverable Address (returned mail) | $5Not compared: Per-item charge, not monthly | per item | None |
Wire Transfers | |||
| Wire Transfers - Outgoing Domestic Only | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Certified / Official Check / Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment Setup Fee | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Canceled Check / BillPay Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Non-Sufficient Funds (NSF) / Check / ACH Return Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| Legal Items (Tax Levies, Garnishments, Verifications, etc.) | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 30, 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 Charlotte Fire Department Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Charlotte, NC | 1 |
| Sandy, UT | 1 |
Largest competitors nearby
Local market: Mecklenburg county, NC, around its headquarters.
| 41 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 71.1% |
| Truist Bank | 19% |
| Wells Fargo Bank, National Association | 5.2% |
| Fifth Third Bank, National Association | 0.9% |
| PNC Bank, National Association | 0.8% |
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.