Floridacentral Federal Credit Union

Headquarters: Tampa, Florida
Charter: Credit Union
Assets: $621.8M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 25, 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 25, 2026

How these figures are measured

Call-report figures are for Floridacentral 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.	Floridacentral Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 25, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Floridacentral 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 $746K in Q2 2026, 14% above the same quarter a year earlier ($657K).
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.

Monthly Maintenance
Floridacentral Federal Credit Union: $5
Floridacentral Federal Credit Union: $5
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Floridacentral Federal Credit Union: $1 to $3.50
Floridacentral Federal Credit Union: $1 to $3.50
U.S. median: no median
Stop Payment
Floridacentral Federal Credit Union: $35
Floridacentral Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 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 rose 4.9% from Q3 2025 to Q2 2026, to $746K.

Fee income, Q2 2026

$746K

$711KQ3 2025

$767KQ4 2025

$749KQ1 2026

$746KQ2 2026

Against the median

Floridacentral 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

Floridacentral Federal Credit Union · $622M 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 19 states.

Credit unions only
$600M to $644M in assets
Headquartered in 19 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
Floridacentral Federal Credit Union(this institution)	Tampa, FL	$622M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Fairmont Federal Credit Union	Fairmont, WV	$603M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
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
Insight Federal Credit Union	Winter Springs, FL	$629M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Minnco Federal Credit Union	Cambridge, MN	$605M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Via Credit Union	Marion, IN	$604M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (17%) below the median of similar-sized credit unions.

Its published price is $5, against a peer median of $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 Oct 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

Floridacentral Federal Cr…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Oct 30, 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 Floridacentral 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: $746K
vs prior quarter: −$3K−0.4%; from Q1 2026
vs a year earlier: +$89K+13.5%; from Q2 2025
vs start of range: −$21K−2.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Floridacentral 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	$746K	−$3K	−0.4%
Q1 2026	$749K	−$18K	−2.3%
Q4 2025	$767K	+$56K	+7.9%
Q3 2025	$711K	+$54K	+8.2%
Q2 2025	$657K	−$29K	−4.2%
Q1 2025	$686K	−$49K	−6.7%
Q4 2024	$735K	−$32K	−4.2%
Q3 2024	$767K	+$6K	+0.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly fee$5
per month
Inactive Account Fee$20
Bad Address$10

ATM & Card

ATM Balance Inquiry$1
ATM Fee$2
ATM Fee$3.50
Debit Card Rush Fee$35
one time · 3 business days, must sign for delivery
Rush Card Delivery$35

Check Services

Official Check$5
Stop Payment$35
Check Cashing for non-member$5
Foreign Collection Fee$25
Check Copy$4

Digital & Electronic

ACH Origination$10
Account Services$5
Bill Payment Rush Electronic Payment$5
Not compared: Per-occurrence charge, not monthly
per item
Bill Payment Rush Paper Payment$20
Not compared: Per-occurrence charge, not monthly
per item

Cash & Deposit

Return Deposit Item$15

Account Services

Box Drill Fee$185
Not compared: Box drilling or key fee
Lost Key Fee$20
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 3x10$50
per year
Safe Deposit Box 5x5$40
per year
Garnishment/Levy$100
Verification of Deposit$20

Retirement & IRA

IRA Transfer$50

Other Fees

Fee applies to statement copies and interim statement printouts: 5x10$70
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Inactive Account Fee	$20	Not stated	None
Bad Address	$10	Not stated	None
ATM & Card
ATM Balance Inquiry	$1	Not stated	None
ATM Fee	$2	Not stated	None
ATM Fee	$3.50	Not stated	None
Debit Card Rush Fee	$35	one time	3 business days, must sign for delivery
Rush Card Delivery	$35	Not stated	None
Check Services
Official Check	$5	Not stated	None
Stop Payment	$35	Not stated	None
Check Cashing for non-member	$5	Not stated	None
Foreign Collection Fee	$25	Not stated	None
Check Copy	$4	Not stated	None
Digital & Electronic
ACH Origination	$10	Not stated	None
Account Services	$5	Not stated	None
Bill Payment Rush Electronic Payment	$5Not compared: Per-occurrence charge, not monthly	per item	None
Bill Payment Rush Paper Payment	$20Not compared: Per-occurrence charge, not monthly	per item	None
Cash & Deposit
Return Deposit Item	$15	Not stated	None
Account Services
Box Drill Fee	$185Not compared: Box drilling or key fee	Not stated	None
Lost Key Fee	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$100	per year	None
Safe Deposit Box 3x10	$50	per year	None
Safe Deposit Box 5x5	$40	per year	None
Garnishment/Levy	$100	Not stated	None
Verification of Deposit	$20	Not stated	None
Retirement & IRA
IRA Transfer	$50	Not stated	None
Other Fees
Fee applies to statement copies and interim statement printouts: 5x10	$70Not compared: Annual charge, not per item	per year	None

Correct a fee source

Oct 25, 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

Get an email when Floridacentral Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.