Compared with Georgia
11 of 24
compared fees are above the median.
5 below, 8 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 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Georgia median
of 24 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Membersfirst 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 Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Membersfirst Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.5% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B 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 $527K in Q2 2026, 3.8% below the same quarter a year earlier ($548K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 24 compared published fees sit above the Georgia median; 5 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 Georgia 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 Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.7% from Q3 2025 to Q2 2026, to $527K. Its share of revenue, 8.5%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$527K
Membersfirst 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.
Membersfirst Federal Credit Union · $429M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Membersfirst Federal Credit Union(this institution) | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal 1 Federal Credit Union | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 9 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
Membersfirst 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 Membersfirst 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 | $527K | +$9K | +1.7% |
| Q1 2026 | $518K | −$20K | −3.7% |
| Q4 2025 | $538K | −$27K | −4.8% |
| Q3 2025 | $565K | +$17K | +3.1% |
| Q2 2025 | $548K | +$28K | +5.4% |
| Q1 2025 | $520K | −$106K | −16.9% |
| Q4 2024 | $626K | −$32K | −4.9% |
| Q3 2024 | $658K | +$8K | +1.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Membersfirst 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 Membersfirst Federal Credit Union by share.
Amounts from Membersfirst 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 quarter
per month
per item
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ‐ Interest Share Draft Per Month (average balance below $300) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fresh Start Checking (average balance below $300) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Interest Checking (average balance below $300) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee (average below $1000) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closure Fee (within 90 days of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Monthly Fee (no activity for 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing / Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Savasaurus Club (per transaction in excess of one per month) | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excess Withdrawal Fee (each over 6 per month; only 3 by check) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excessive Withdrawal Fee (above 3 per quarter) | $4Not compared: Quarterly charge, not per item | per quarter | None |
| Bad Address (Monthly) (statements returned as undeliverable) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient (NSF) | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF – Non Sufficient Funds Per Item (maximum 1 fee per NSF) | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer (from savings or other MFCU account – maximum 20 fees per month) | $7Not compared: Monthly charge, not per item | per month | None |
ATM & Card | |||
| Non‐MembersFirst / Foreign ATM Balance Inquiry Fee or Transaction Fee | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Damaged /Lost / Stolen Visa Debit or ATM Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing (international) | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Merchant Cashier Check (from personal check) / check exchange | $15Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller/Official Check (payable to other) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (each) | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (checks over $200) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item (from member payable to themselves) | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Process Per Event | $50Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card ($10-$1,000) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Photo Copy (per page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy/Account History Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip A Payment Fee (Promotion) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per quarter
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ‐ Basic Business or Personal Business Share Draft (average balance below $1,000) | $10 | Not stated | None |
| ‐ Interest Share Draft Per Month (average balance below $300) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Basic Business or Personal Business Checking (average balance below $1,000) | $10 | Not stated | None |
| Fresh Start Checking (average balance below $300) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Interest Checking (average balance below $300) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee (average below $1000) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closure Fee (within 90 days of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Monthly Fee (no activity for 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing / Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Savasaurus Club (per transaction in excess of one per month) | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excess Withdrawal Fee (each over 6 per month; only 3 by check) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excessive Withdrawal Fee (above 3 per quarter) | $4Not compared: Quarterly charge, not per item | per quarter | None |
| Bad Address (Monthly) (statements returned as undeliverable) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF – Non Sufficient Funds Per Item (maximum 1 fee per NSF) | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer (from savings or other MFCU account – maximum 20 fees per month) | $7Not compared: Monthly charge, not per item | per month | None |
ATM & Card | |||
| Non‐MembersFirst / Foreign ATM Balance Inquiry Fee or Transaction Fee | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Damaged /Lost / Stolen Visa Debit or ATM Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing (international) | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Merchant Cashier Check (from personal check) / check exchange | $15Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller/Official Check (payable to other) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (each) | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (checks over $200) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Business Account Bill Pay (per month) | $5.95 | per month | None |
Cash & Deposit | |||
| Returned Deposit Item (from member payable to themselves) | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Process Per Event | $50Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card ($10-$1,000) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Photo Copy (per page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy/Account History Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip A Payment Fee (Promotion) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 19, 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 Membersfirst Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Decatur, GA | 2 |
| Hiram, GA | 2 |
| Savannah, GA | 2 |
| Austell, GA | 1 |
| Douglasville, GA | 1 |
| Garden City, GA | 1 |
| Marietta, GA | 1 |
| Newnan, GA | 1 |
Largest competitors nearby
Local market: DeKalb county, GA, around its headquarters.
| 39 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 23.8% |
| Bank of America, National Association | 21% |
| Truist Bank | 12.7% |
| JPMorgan Chase Bank, National Association | 9% |
| Metro City Bank | 8.8% |
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.