Compared with Alabama
2 of 22
compared fees are above the median.
10 below, 10 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
94th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 22 compared; 10 below, 10 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Family Savings 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. | Family Savings Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (94th 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 $3.3M in Q2 2026, 6.4% below the same quarter a year earlier ($3.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 22 compared published fees sit above the Alabama median; 10 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
NSPIRE Checking Account
Overdraft (OD)
NSF / Returned Item
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 fell 6.0% from Q3 2025 to Q2 2026, to $3.3M. Its share of revenue, 14%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.3M
Family Savings 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.
Family Savings Federal Credit Union · $1.2B 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 |
|---|---|---|---|---|---|---|---|
| Family Savings Federal Credit Union(this institution) | Rainbow City, AL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City & County Federal Credit Union | Saint Paul, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearwater Federal Credit Union | Missoula, MT | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Denver | Lakewood, CO | $1.2B | Monthly maintenance not published | 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 |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honda Federal Credit Union | Torrance, CA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Justice Federal Credit Union | Chantilly, VA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Cooperative Federal Credit Union | Duluth, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Country Federal Credit Union | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| Safe 1 Federal Credit Union | Bakersfield, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Salal Federal Credit Union | Seattle, WA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Seattle Metropolitan Federal Credit Union | Seattle, WA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Selfreliance Federal Credit Union | Chicago, IL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Los Angeles, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Vantage Federal Credit Union | Saint Charles, MO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | 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 |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5 among 8 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 Family Savings Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 54 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.3M | +$93K | +2.9% |
| Q1 2026 | $3.2M | −$477K | −12.8% |
| Q4 2025 | $3.7M | +$171K | +4.8% |
| Q3 2025 | $3.6M | −$15K | −0.4% |
| Q2 2025 | $3.6M | +$144K | +4.2% |
| Q1 2025 | $3.4M | −$15K | −0.4% |
| Q4 2024 | $3.4M | +$248K | +7.8% |
| Q3 2024 | $3.2M | +$286K | +9.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Family Savings 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 Family Savings Federal Credit Union by share.
Amounts from Family Savings Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per month
Wire Transfer Fee | $20 on Outgoing Outgoing Domestic
Wire Transfer Fee | $10.00 on Incoming Wires
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| NSPIRE Checking Account Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant/Inactive Account Fee 1 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Excessive Withdrawal Fee | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail/Bad Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item Fee - ACH | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee - Bill Pay Service | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee - Share Draft | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee: Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | Wire Transfer Fee | $20 on Outgoing Outgoing Domestic |
| Incoming Wires | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | Wire Transfer Fee | $10.00 on Incoming Wires |
| International Wire Transfer Fee | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check Fee | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee for Share Draft, ACH or Money Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| In-House Counter Check Fee | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee (when applicable) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Share Draft Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Overnight Rush Fee (Bill Pay) | $34.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Second-Day Rush Check Fee (Bill Pay) | $29.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Second-Day Rush Electronic (Bill Pay) | $6.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Garnishments | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy Fee | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy Fee | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Skip a Payment Fee (when applicable) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 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 Family Savings Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
17 offices in 2 states (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Cartersville, GA | 2 |
| Rainbow City, AL | 2 |
| Albertville, AL | 1 |
| Calhoun, GA | 1 |
| Fort Payne, AL | 1 |
| Gadsden, AL | 1 |
| Hiram, GA | 1 |
| Huntsville, AL | 1 |
Largest competitors nearby
Local market: Etowah county, AL, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| Regions Bank | 23.3% |
| The Exchange Bank of Alabama | 22.2% |
| River Bank & Trust | 20.9% |
| Wells Fargo Bank, National Association | 10.4% |
| Metro Bank | 5.4% |
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.