Compared with Alabama
8 of 15
compared fees are above the median.
4 below, 3 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
99th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 15 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Five Star 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 452 credit unions with $1B to $10B 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Five Star Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 20% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (99th 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 $4.9M in Q2 2026, 15% above the same quarter a year earlier ($4.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 15 compared published fees sit above the Alabama median; 4 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 Alabama medians for fees published by banks and credit unions.
Monthly Maintenance
Supplement to Member Account Agreement
NSF / Returned Item
Foreign Transaction
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 10% from Q3 2025 to Q2 2026, to $4.9M. Its share of revenue, 20%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.9M
Five Star 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Five Star Federal Credit Union · $1.3B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Five Star Federal Credit Union(this institution) | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Diamond Federal Credit Union | Pottstown, PA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dutrac Community Federal Credit Union | Dubuque, IA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Harvard Federal Credit Union | Cambridge, MA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Honda Federal Credit Union | Torrance, CA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Municipal Empl.Credit Union of Balt | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rave Financial Federal Credit Union | Beaumont, TX | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rev Federal Credit Union | Charleston, SC | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sesloc Federal Credit Union | San Luis Obispo, CA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Federal Credit Union | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vibrant Federal Credit Union | Moline, IL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wildfire Federal Credit Union | Saginaw, MI | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5 among 14 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 27, 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 Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Five Star 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 | $4.9M | +$392K | +8.7% |
| Q1 2026 | $4.5M | −$37K | −0.8% |
| Q4 2025 | $4.6M | +$101K | +2.3% |
| Q3 2025 | $4.5M | +$194K | +4.5% |
| Q2 2025 | $4.3M | +$48K | +1.1% |
| Q1 2025 | $4.2M | +$19K | +0.5% |
| Q4 2024 | $4.2M | +$216K | +5.4% |
| Q3 2024 | $4.0M | −$370K | −8.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Five Star 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 Five Star Federal Credit Union by share.
Amounts from Five Star Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour
per quarter
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Charge for checking account named “Your Five Star Checking Account” | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Processing Fee If Closed Within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| A Dormant Account Service Charge (monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Abandoned Property Processing | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research and Account Reconciliation (per hour – one hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawals (after 4 withdrawals per quarter) | $5.50Not compared: Quarterly charge, not per item | per quarter | None |
Overdraft & NSF | |||
| Returned Items (credit includes ACH) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection-Loan Advance Transfer | $8.50Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Protection-Regular Savings Transfer | $8.50Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Fee (Expedited Card) | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Fee for Foreign Transactions | $1.50Inside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Withdrawals (1 check per day) | No chargeNot compared: Daily charge, not per item | per day | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Check and ACH Stop Payments (per item or number series) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Items-Incoming/Outgoing (per item) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| 10 x 10 Safe Deposit Boxes (where available) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 10 Safe Deposit Boxes (where available) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 5 Safe Deposit Boxes (where available) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 4 x 5 Safe Deposit Boxes (where available) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 10 Safe Deposit Boxes (where available) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 5 Safe Deposit Boxes (where available) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling (Both Keys Lost) | $150Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy (per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 17, 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 Five Star Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
27 offices in 2 states (June 30, 2026)
Each dot is one office.
26 of 27 offices on the map. 3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Dothan, AL | 6 |
| Macon, GA | 3 |
| Blakely, GA | 2 |
| Bainbridge, GA | 1 |
| Cairo, GA | 1 |
| Camilla, GA | 1 |
| Cottonwood, AL | 1 |
| Donalsonville, GA | 1 |
Largest competitors nearby
Local market: Houston county, AL, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| ServisFirst Bank | 28.5% |
| Regions Bank | 17.5% |
| Wells Fargo Bank, National Association | 11.2% |
| MidSouth Bank | 7.9% |
| River Bank & Trust | 5.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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