Insight Federal Credit Union

Headquarters: Winter Springs, Florida
Charter: Credit Union
Assets: $629.1M
Fed district: Atlanta
Regulator: NCUA

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

Source: its fee schedule, read Oct 14, 2026.

Overview

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 available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for Insight 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 U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Insight Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Insight Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $634K in Q2 2026, 7.3% below the same quarter a year earlier ($684K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Overdraft (OD)
Insight Federal Credit Union: $39
Insight Federal Credit Union: $39
U.S. median: no median
NSF / Returned Item
Insight Federal Credit Union: $39
Insight Federal Credit Union: $39
U.S. median: no median
Non-Network ATM
Insight Federal Credit Union: $2
Insight 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 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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.

Fee income beside fee prices

Fee income fell 18% from Q3 2025 to Q2 2026, to $634K.

Fee income, Q2 2026

$634K

$772KQ3 2025

$614KQ4 2025

$668KQ1 2026

$634KQ2 2026

Against the median

Insight Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Insight Federal Credit Union · $629M 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 21 states.

Credit unions only
$608M to $651M in assets
Headquartered in 21 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
Insight Federal Credit Union(this institution)	Winter Springs, FL	$629M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Adventure Federal Credit Union	Grand Rapids, MI	$646M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Align Federal Credit Union	Lowell, MA	$651M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Beehive Federal Credit Union	Rexburg, ID	$648M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Willamette Federal Credit Union	Albany, OR	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
City Federal Credit Union	Dallas, TX	$630M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Co-Op Federal Credit Union	Black River Falls, WI	$627M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Coast360 Federal Credit Union	Maite, GU	$633M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Dugood Federal Credit Union	Beaumont, TX	$609M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Educators Federal Credit Union	Waco, TX	$610M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Embers Federal Credit Union	Marquette, MI	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Emblem Credit Union	Gadsden, AL	$628M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Evergreen Federal Credit Union	Portland, ME	$645M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fedex Employees Credit Association Federal Credit Union	Memphis, TN	$641M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Floridacentral Federal Credit Union	Tampa, FL	$622M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
G.P.O. Federal Credit Union	New Hartford, NY	$630M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Homeland Federal Credit Union	Chillicothe, OH	$624M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
I.L.W.U. Federal Credit Union	Long Beach, CA	$608M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Inova Federal Credit Union	Elkhart, IN	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Johns Hopkins Federal Credit Union	Baltimore, MD	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metro Credit Union	Omaha, NE	$646M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
National Police Federal Credit Union	Chicago, IL	$621M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Our Community Federal Credit Union	Shelton, WA	$638M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Partner Colorado Federal Credit Union	Arvada, CO	$644M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southpoint Financial Federal Credit Union	Sleepy Eye, MN	$609M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Town & Country Federal Credit Union	South Portland, ME	$621M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $5.50 among 10 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Insight Federal Credit Un…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 2, 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.

Financial performance

Call reports for Insight Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $634K
vs prior quarter: −$34K−5.1%; from Q1 2026
vs a year earlier: −$50K−7.3%; from Q2 2025
vs start of range: −$79K−11.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Insight Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$634K	−$34K	−5.1%
Q1 2026	$668K	+$54K	+8.8%
Q4 2025	$614K	−$158K	−20.5%
Q3 2025	$772K	+$88K	+12.9%
Q2 2025	$684K	−$75K	−9.9%
Q1 2025	$759K	−$9K	−1.2%
Q4 2024	$768K	+$55K	+7.7%
Q3 2024	$713K	+$100K	+16.3%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Minimum Balance Fee (Monthly)$5
per month
Money Market Fee (Balance Under $1,000) (Monthly)$12
per month
Closed Account Fee$25
Paper Statement Fee (Excludes Seniority Status)$5
Bad Address Fee (Per Month)$10
per month

Overdraft & NSF

Non-Sufficient Funds/Overdraft Privilege Service Fee$39
Return Items$39
Overdraft Transfer Fee$3

ATM & Card

ATM Fee (Foreign)$2
Lost Debit Card ReorderNo charge

Wire Transfers

Wire Transfer (Domestic, Outgoing)$25
Wire Transfer (Domestic, Incoming)$15

Check Services

Official Check (Non-Member)$10
Money Order$4
Stop Payment$39
Temporary Checks$3
per item · Per sheet
Temporary Checks (Per Sheet)$3
per item
US Treasury/Tax Refund Check Cashing$5
Collection Item (Domestic)$10
Check Copy$5

Digital & Electronic

Bill Pay (No Usage for 90 Days) (Monthly)$5
per month
Copy of a Bill Pay Check$20

Cash & Deposit

Coin Machine Fee (Non-Member)10%

Account Services

Safe Deposit Box 10x10$125
Safe Deposit Box 3x10$60
Safe Deposit Box 3x5$40
Safe Deposit Box 5x10$80
Safe Deposit Box Drilling$250
Not compared: Box drilling or key fee
Garnishment/Levy Fee (One Time)$100
one time
Verification of Deposit$10
Verification of Deposit (Rush)$15
per item

Gift & Prepaid Cards

Gift Card$3

Other Fees

Photocopy$5
Statement Copy (Per Month)$5
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee (Monthly)	$5	per month	None
Money Market Fee (Balance Under $1,000) (Monthly)	$12	per month	None
Closed Account Fee	$25	Not stated	None
Paper Statement Fee (Excludes Seniority Status)	$5	Not stated	None
Bad Address Fee (Per Month)	$10	per month	None
Overdraft & NSF
Non-Sufficient Funds/Overdraft Privilege Service Fee	$39	Not stated	None
Return Items	$39	Not stated	None
Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
ATM Fee (Foreign)	$2	Not stated	None
Lost Debit Card Reorder	No charge	Not stated	None
Wire Transfers
Wire Transfer (Domestic, Outgoing)	$25	Not stated	None
Wire Transfer (Domestic, Incoming)	$15	Not stated	None
Check Services
Official Check (Non-Member)	$10	Not stated	None
Money Order	$4	Not stated	None
Stop Payment	$39	Not stated	None
Temporary Checks	$3	per item	Per sheet
Temporary Checks (Per Sheet)	$3	per item	None
US Treasury/Tax Refund Check Cashing	$5	Not stated	None
Collection Item (Domestic)	$10	Not stated	None
Check Copy	$5	Not stated	None
Digital & Electronic
Bill Pay (No Usage for 90 Days) (Monthly)	$5	per month	None
Copy of a Bill Pay Check	$20	Not stated	None
Cash & Deposit
Coin Machine Fee (Non-Member)	10%	Not stated	None
Account Services
Safe Deposit Box 10x10	$125	Not stated	None
Safe Deposit Box 3x10	$60	Not stated	None
Safe Deposit Box 3x5	$40	Not stated	None
Safe Deposit Box 5x10	$80	Not stated	None
Safe Deposit Box Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy Fee (One Time)	$100	one time	None
Verification of Deposit	$10	Not stated	None
Verification of Deposit (Rush)	$15	per item	None
Gift & Prepaid Cards
Gift Card	$3	Not stated	None
Other Fees
Photocopy	$5	Not stated	None
Statement Copy (Per Month)	$5Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 14, 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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