Compared with Florida
1 of 16
compared fees are above the median.
13 below, 2 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
91st percentile; peer median 4.5%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 16 compared; 13 below, 2 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Vystar 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 22 credit unions with $10B to $50B 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. | Vystar Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.1% of revenue, above the 4.5% median of 22 credit unions with $10B to $50B in assets (91st 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 $21.6M in Q2 2026, 39% above the same quarter a year earlier ($15.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 16 compared published fees sit above the Florida median; 13 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.
Non-Network ATM
Kids Club: ATM Convenience
Monthly Maintenance
VyStar+ Checking
NSF / Returned Item
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 rose 26% from Q3 2025 to Q2 2026, to $21.6M. Its share of revenue, 9.1%, is above the 4.5% median for credit unions with $10B to $50B in assets.
$21.6M
Vystar 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 22 credit unions with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Vystar Federal Credit Union · $14.3B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Vystar Federal Credit Union(this institution) | Jacksonville, FL | $14.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Broadview Federal Credit Union | Albany, NY | $9.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Delta Community Federal Credit Union | Atlanta, GA | $9.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ent Federal Credit Union | Colorado Springs, CO | $19.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fourleaf Federal Credit Union | Bethpage, NY | $14.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Idaho Central Federal Credit Union | Chubbuck, ID | $15.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lake Michigan Federal Credit Union | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Logix Federal Credit Union | Valencia, CA | $9.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Onpoint Community Federal Credit Union | Portland, OR | $9.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pennsylvania State Employees Federal Credit Union | Harrisburg, PA | $9.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Diego County Federal Credit Union | San Diego, CA | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Space Coast Federal Credit Union | Melbourne, FL | $9.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Star One Federal Credit Union | Sunnyvale, CA | $9.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Veridian Federal Credit Union | Waterloo, IA | $9.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wright-Patt Credit Union, Inc. | Beavercreek, OH | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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 $5.99, against a peer median of $7.23 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Vystar 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 | $21.6M | +$1.5M | +7.2% |
| Q1 2026 | $20.2M | +$1.9M | +10.2% |
| Q4 2025 | $18.3M | +$1.1M | +6.7% |
| Q3 2025 | $17.1M | +$1.6M | +10.6% |
| Q2 2025 | $15.5M | +$1.3M | +8.8% |
| Q1 2025 | $14.3M | −$2.0M | −12.6% |
| Q4 2024 | $16.3M | +$611K | +3.9% |
| Q3 2024 | $15.7M | +$2.1M | +15.3% |
Financial cohort: 23 credit unions with $10B to $50B in assets filing for Q2 2026; 22 reported a share above 0% and are counted, Vystar 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 Vystar Federal Credit Union by share.
Amounts from Vystar Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per quarter
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| VyStar+ Checking Monthly Service Fee | $5.99Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant/Inactive Account | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research & Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Kids Club: ATM Convenience Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Credit/Debit Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Delivery Card Replacement | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Debit Card Foreign Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wires | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign Check Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Legal Processing | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Lending Fees | |||
| Late Payment (20 Days or More) | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 30, 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 Vystar Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
99 offices in 2 states (June 30, 2026)
Each dot is one office.
15 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Jacksonville, FL | 27 |
| Orange Park, FL | 5 |
| Middleburg, FL | 3 |
| Palm Coast, FL | 3 |
| St Augustine, FL | 3 |
| Tallahassee, FL | 3 |
| Callahan, FL | 2 |
| Fernandina Beach, FL | 2 |
Largest competitors nearby
Local market: Duval and St. Johns counties, FL, around its headquarters.
| 41 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 53.8% |
| EverBank, National Association | 25.5% |
| Truist Bank | 5.2% |
| Wells Fargo Bank, National Association | 4.7% |
| Ameris Bank | 1.8% |
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.