Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

The Southern Federal Credit Union

Fayetteville, GeorgiaCredit UnionAtlanta Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account reconciliation or account research per hour$35Above the typical range ($20–$25 nationally)

ATM & CardVerified

ACH or ATM)$5Above the typical range ($1–$2.50 nationally)
$3.25 above the national median
Source
ATM transactions (at non-TSCU machines) in excess of three transactions per month$1.50Within the typical range ($1–$2.50 nationally)
$0.25 below the national median
per month · Source
Automated Teller Machine (ATM) transactions (at non-TSCU machines)$1.50Within the typical range ($1–$2.50 nationally)
$0.25 below the national median
Source
VISA® Card (EMV) Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median
Source
VISA® Card Expedited Delivery Fee$70Above the typical range ($30–$50 nationally)
$30 above the national median
Source
VISA® Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Incoming wire transfers$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing domestic wire transfers 3:00 PM Eastern Time cut-off$15Below the typical range ($20–$25 nationally)
$10 below the national median
Source
Outgoing international wire transfers 12:00 PM Eastern Time cut-off$45Within the typical range ($40–$50 nationally)
$5 below the national median
Source

Check ServicesVerified

Copy of original share drafts$3Within the typical range ($2–$5 nationally)
At the national median
Source
Official check$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)$35Above the typical range ($20–$30 nationally)
$9 above the national median
Source

Account ServicesVerified

10 x 10 x 24$125Above the typical range ($25–$77.50 nationally)
$80 above the national median
per year · Source
3 X 10 X 24$50Within the typical range ($25–$77.50 nationally)
$5 above the national median
per year · Source
3 X 5 X 24$30Within the typical range ($25–$77.50 nationally)
$15 below the national median
per year · Source
5 X 10 X 24$70Within the typical range ($25–$77.50 nationally)
$25 above the national median
per year · Source
5 X 5 X 24$40Within the typical range ($25–$77.50 nationally)
$5 below the national median
per year · Source
7 X 10 X 24$75Within the typical range ($25–$77.50 nationally)
$30 above the national median
per year · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciliation or account research per hour	$35Above the typical range ($20–$25 nationally)	$10 above the national median	—	—	Source
Membership maintenance fee (for members with this account only, and with a balance on the account less than $100.00, and	$5Within the typical range ($3–$10 nationally)	$0.50 below the national median	per month	—	Source
Monthly maintenance fee (accounts falling below $2,500.00)	$10Within the typical range ($3–$10 nationally)	$4.50 above the national median	per month	—	Source
Monthly maintenance fees	$0Below the typical range ($3–$10 nationally)	$5.50 below the national median	per month	—	Source
Overdraft & NSFVerified
OSP (Overdraft Security Privilege) Collection fee	$15Below the typical range ($25–$32 nationally)	$15 below the national median	—	—	Source
ATM & CardVerified
ACH or ATM)	$5Above the typical range ($1–$2.50 nationally)	$3.25 above the national median	—	—	Source
ATM transactions (at non-TSCU machines) in excess of three transactions per month	$1.50
Wire TransfersVerified
Incoming wire transfers	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing domestic wire transfers 3:00 PM Eastern Time cut-off	$15
Check ServicesVerified
Copy of original share drafts	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Official check	$5
Cash & DepositVerified
VISA® Cash Advance Fee	$5Within the typical range ($3–$10 nationally)	At the national median	—	—	Source
Account ServicesVerified
10 x 10 x 24	$125Above the typical range ($25–$77.50 nationally)	$80 above the national median	per year	—	Source
3 X 10 X 24	$50
Retirement & IRAVerified
IRA Transfer Fee	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Gift & Prepaid CardsVerified
VISA® Gift Card	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$15

Overdraft fee: $15

50% below the national median overdraft fee

Total fees: 26

Headline fees published

9 of 15

Published fees

Under review

Assets

$560.2M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$560.2M

Total deposits

$499.1M

Service charge income (year to date)

$1.6M

Fee income ratio

11.8%

Return on assets

0.43%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 37,029 published fee entries from 2,596 institutions

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