Compared with North Carolina
0 of 14
compared fees are above the median.
13 below, 1 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
Not enough peers
Fewer than 10 credit unions its size reported a share
Not on file
Fees above the North Carolina median
of 14 compared; 13 below, 1 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for State Employees' 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | 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. | State Employees' Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $13.4M in Q2 2026, 6.1% below the same quarter a year earlier ($14.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 14 compared published fees sit above the North Carolina median; 13 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.
Monthly Maintenance
Compared at $1, the middle of its prices
NSF / Returned Item
Non-Network ATM
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 18% from Q3 2025 to Q2 2026, to $13.4M.
$13.4M
State Employees' Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $2; we compare the midpoint.
State Employees' Federal Credit Union · $60B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| State Employees' Federal Credit Union(this institution) | Raleigh, NC | $60B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alliant Federal Credit Union | Chicago, IL | $20B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America First Federal Credit Union | Riverdale, UT | $26B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boeing Employees Federal Credit Union | Tukwila, WA | $29.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Digital Federal Credit Union | Marlborough, MA | $27.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ent Federal Credit Union | Colorado Springs, CO | $19.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fourleaf Federal Credit Union | Bethpage, NY | $14.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Idaho Central Federal Credit Union | Chubbuck, ID | $15.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lake Michigan Federal Credit Union | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pentagon Federal Credit Union | Mclean, VA | $29.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Randolph-Brooks Federal Credit Union | Universal City, TX | $19.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Schoolsfirst Federal Credit Union | Santa Ana, CA | $37.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Suncoast Federal Credit Union | Tampa, FL | $20.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Golden 1 Federal Credit Union | Sacramento, CA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vystar Federal Credit Union | Jacksonville, FL | $14.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1, the middle of its four prices, against a peer median of $6 among 13 publishing peers.
Its four checking prices are $0, $1, $1 and $2.
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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for State Employees' 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 | $13.4M | +$2.1M | +18.9% |
| Q1 2026 | $11.2M | −$8.0M | −41.6% |
| Q4 2025 | $19.3M | +$3.0M | +18.5% |
| Q3 2025 | $16.3M | +$2.0M | +14.2% |
| Q2 2025 | $14.2M | +$2.8M | +24.3% |
| Q1 2025 | $11.5M | −$5.4M | −32.1% |
| Q4 2024 | $16.9M | +$2.0M | +13.6% |
| Q3 2024 | $14.8M | +$571K | +4.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from State Employees' Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fees: Checking | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee (account balance is below $25) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee (balance falls below $250) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Fee Free Day5 Exhausted | $12Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Service | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM transaction | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card reissue | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card replacement | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit card reissue | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Lost / replacement debit card | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush delivery of debit card / PIN | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International transaction | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing domestic wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing international wire | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check purchase | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | 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 |
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.
Where State Employees' Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
286 offices in 1 state (June 30, 2026)
Each dot is one office.
281 of 286 offices on the map. 30 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Raleigh, NC | 30 |
| Charlotte, NC | 10 |
| Greensboro, NC | 10 |
| Durham, NC | 8 |
| Wilmington, NC | 6 |
| Winston Salem, NC | 6 |
| Asheville, NC | 5 |
| Chapel Hill, NC | 4 |
Largest competitors nearby
Local market: Wake and Johnston counties, NC, around its headquarters.
| 43 in its local market | Deposit share |
|---|---|
| First-Citizens Bank & Trust Company | 64.7% |
| Wells Fargo Bank, National Association | 7.1% |
| Truist Bank | 6.9% |
| Bank of America, National Association | 4% |
| PNC Bank, National Association | 3.9% |
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.