Compared with Florida
12 of 24
compared fees are above the median.
6 below, 6 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
52nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 24 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 14, 2026
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) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B 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 Florida median | Published fees above the Florida 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
Fee income was 8.1% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (52nd 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 $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.
12 of 24 compared published fees sit above the Florida median; 6 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 Florida medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
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.
Fee income fell 18% from Q3 2025 to Q2 2026, to $634K. Its share of revenue, 8.1%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$634K
Insight 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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 Insight 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 | $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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Insight 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 Insight Federal Credit Union by share.
Amounts from Insight 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 item · Per sheet
per item
one time
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee (Monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market Fee (Balance Under $1,000) (Monthly) | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Paper Statement Fee (Excludes Seniority Status) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address Fee (Per Month) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds/Overdraft Privilege Service Fee | $39Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Items | $39Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Fee (Foreign) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost Debit Card Reorder | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic, Outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Domestic, Incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (Non-Member) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $39Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | Per sheet |
| Temporary Checks (Per Sheet) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| US Treasury/Tax Refund Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item (Domestic) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay (No Usage for 90 Days) (Monthly) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Copy of a Bill Pay Check | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine Fee (Non-Member) | 10% | Not stated | None |
Account Services | |||
| Safe Deposit Box 10x10 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Fee (One Time) | $100Above the U.S. middle 50% ($30 to $85 nationally) | one time | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit (Rush) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy (Per Month) | $5Not compared: Monthly charge, not per item | per month | None |
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.
Where Insight Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
14 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Winter Springs, FL | 5 |
| Apopka, FL | 1 |
| Clermont, FL | 1 |
| Deland, FL | 1 |
| Eustis, FL | 1 |
| Kissimmee, FL | 1 |
| Lady Lake, FL | 1 |
| Lake Mary, FL | 1 |
Largest competitors nearby
Local market: Seminole county, FL, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 18.1% |
| JPMorgan Chase Bank, National Association | 17.1% |
| Wells Fargo Bank, National Association | 15.3% |
| Truist Bank | 13.2% |
| Fifth Third Bank, National Association | 6.2% |
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.