State Employees' Federal Credit Union

Headquarters: Raleigh, North Carolina
Charter: Credit Union
Assets: $60.0B
Fed district: Richmond

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

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $1, the middle of its prices
State Employees' Federal Credit Union: $0 to $2
State Employees' Federal Credit Union: $0 to $2
U.S. median: no median
NSF / Returned Item
State Employees' Federal Credit Union: $12
State Employees' Federal Credit Union: $12
U.S. median: no median
Non-Network ATM
State Employees' Federal Credit Union: $0.75
State Employees' Federal Credit Union: $0.75
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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.

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).
North Carolina: Banks and credit unions headquartered in North 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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Published fee schedule

Amounts from State Employees' Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly MaintenanceNo charge
per month
Monthly maintenance fee$2
per month
Monthly maintenance fee$1
per month
Monthly maintenance fees: Checking$1
per month
Maintenance fee (account balance is below $25)$1
per month
Maintenance fee (balance falls below $250)$2
per month
Inactivity fee$1
per month

Overdraft & NSF

NSF Fee Free Day5 Exhausted$12
Overdraft Transfer ServiceNo charge

ATM & Card

ATM transaction$0.75
Card reissueNo charge
Card replacementNo charge
Debit card reissueNo charge
Debit Card Replacement$8
Lost / replacement debit card$8
Rush delivery of debit card / PIN$15
International transaction1%of the transaction

Wire Transfers

Outgoing domestic wire$15
Incoming wireNo charge
Outgoing international wire$35

Check Services

Cashier’s check purchase$2

Cash & Deposit

Cash AdvanceNo charge

Account Services

Notary serviceNo charge
Box drilling$145
Not compared: Box drilling or key fee
Lost key$18
Not compared: Box drilling or key fee
Safe deposit box lost key$18
Not compared: Box drilling or key fee
Safe deposit box rental late fee$12
Not compared: Box drilling or key fee

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	No charge	per month	None
Monthly maintenance fee	$2	per month	None
Monthly maintenance fee	$1	per month	None
Monthly maintenance fees: Checking	$1	per month	None
Maintenance fee (account balance is below $25)	$1	per month	None
Maintenance fee (balance falls below $250)	$2	per month	None
Inactivity fee	$1	per month	None
Overdraft & NSF
NSF Fee Free Day5 Exhausted	$12	Not stated	None
Overdraft Transfer Service	No charge	Not stated	None
ATM & Card
ATM transaction	$0.75	Not stated	None
Card reissue	No charge	Not stated	None
Card replacement	No charge	Not stated	None
Debit card reissue	No charge	Not stated	None
Debit Card Replacement	$8	Not stated	None
Lost / replacement debit card	$8	Not stated	None
Rush delivery of debit card / PIN	$15	Not stated	None
International transaction	1%of the transaction	Not stated	None
Wire Transfers
Outgoing domestic wire	$15	Not stated	None
Incoming wire	No charge	Not stated	None
Outgoing international wire	$35	Not stated	None
Check Services
Cashier’s check purchase	$2	Not stated	None
Cash & Deposit
Cash Advance	No charge	Not stated	None
Account Services
Notary service	No charge	Not stated	None
Box drilling	$145Not compared: Box drilling or key fee	Not stated	None
Lost key	$18Not compared: Box drilling or key fee	Not stated	None
Safe deposit box lost key	$18Not compared: Box drilling or key fee	Not stated	None
Safe deposit box rental late fee	$12Not compared: Box drilling or key fee	Not stated	None

Correct a fee source

Oct 26, 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

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