Compared with Georgia
8 of 22
compared fees are above the median.
7 below, 7 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
80th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Georgia median
of 22 compared; 7 below, 7 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for The Southern 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 569 credit unions with $300M to $1B 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 Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Southern 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 12% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (80th 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 $799K in Q2 2026, 8.3% above the same quarter a year earlier ($738K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 22 compared published fees sit above the Georgia median; 7 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 Georgia medians for fees published by banks and credit unions.
Monthly Maintenance
Basic Checking $0 · Checking Plus $5
Compared at $2.50, the middle of its prices
Overdraft (OD)
Non-Network ATM
Compared at $1.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.4% from Q3 2025 to Q2 2026, to $799K. Its share of revenue, 12%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$799K
The Southern 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $1.50 to $5; we compare the midpoint. Monthly maintenance: Listed at $0 to $5; we compare the midpoint.
The Southern Federal Credit Union · $560M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Southern Federal Credit Union(this institution) | Fayetteville, GA | $560M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Argent Federal Credit Union | Chesterfield, VA | $572M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arlington Community Federal Credit Union | Arlington, VA | $538M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Credit Union of Texas | League City, TX | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cabrillo Federal Credit Union | San Diego, CA | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| City Of Boston Federal Credit Union | South Boston, MA | $544M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dutch Point Federal Credit Union | Wethersfield, CT | $565M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Education First Federal Credit Union | Beaumont, TX | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firelands Federal Credit Union | Bellevue, OH | $580M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First New York Federal Credit Union | Albany, NY | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First U.S. Community Federal Credit Union | Sacramento, CA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freedom Of Maryland Federal Credit Union | Bel Air, MD | $557M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Springfield, IL | $574M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| I-C Federal Credit Union | Fitchburg, MA | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lebanon Federal Credit Union | Lebanon, PA | $540M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Otero Federal Credit Union | Alamogordo, NM | $535M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Partners 1St Federal Credit Union | Fort Wayne, IN | $546M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peake Federal Credit Union | Towson, MD | $534M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pearl Hawaii Federal Credit Union | Waipahu, HI | $545M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pittsford Federal Credit Union | Pittsford, NY | $542M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Resource One Federal Credit Union | Dallas, TX | $555M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Soarion Federal Credit Union | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spectra Federal Credit Union | Alexandria, VA | $544M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| U. T. Federal Credit Union | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| University Federal Credit Union | Orono, ME | $538M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $2.50, the middle of its two prices, against a peer median of $6 among 12 publishing peers.
Its two checking prices are $0 and $5.
$2.50 is a comparison price, not a fee anyone is charged.
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 26, 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for The Southern Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 51 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $799K | +$30K | +3.9% |
| Q1 2026 | $769K | −$21K | −2.7% |
| Q4 2025 | $790K | +$25K | +3.3% |
| Q3 2025 | $765K | +$27K | +3.7% |
| Q2 2025 | $738K | −$38K | −4.9% |
| Q1 2025 | $776K | −$25K | −3.1% |
| Q4 2024 | $801K | +$29K | +3.8% |
| Q3 2024 | $772K | −$108K | −12.3% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, The Southern 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 The Southern Federal Credit Union by share.
Amounts from The Southern Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly maintenance fees | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (accounts falling below $750) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee (per month after 24 months without activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation or account research per hour | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive withdrawal fee for Money Market Savings account withdrawals in excess of 6 per month | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege (OSP) Standard or Extended Coverage | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Negative Balance Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| ACH or ATM | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM transactions (at non-TSCU machines) in excess of three transactions per month | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Automated Teller Machine (ATM) transactions (at non-TSCU machines) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| VISA® Card (EMV) Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| VISA® Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| VISA® Card Expedited Delivery Fee | $70Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| VISA® Card PIN Mailer Expedited Delivery Fee | $70Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing domestic wire transfers 3:00 PM Eastern Time cut-off | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire transfers | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing international wire transfers 12:00 PM Eastern Time cut-off | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Fee/Foreign Check Presentment | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of original share drafts | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| VISA® Convenience Check Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| VISA® Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 x 24 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10 x 10 x 24 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 X 24 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 10 X 24 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 5 X 24 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X 10 X 24 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X 10 X 24 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 X 24 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X 5 X 24 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7 X 10 X 24 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7 X 10 X 24 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drilling Fee | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Payment Fee (after 30 days) | $10Not compared: Box drilling or key fee | Not stated | None |
Lending Fees | |||
| Late charge (audience not stated, treated as personal) | 10% | Not stated | None |
| Late charge | 10% | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Reload Fee | $1Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| VISA® Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copies of account statements | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Interim account statement printouts | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| VISA® Sales Slip Copy Fee | $8Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip payment processing fee | $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 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 The Southern Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| College Park, GA | 1 |
| Fayetteville, GA | 1 |
| Griffin, GA | 1 |
| Hampton, GA | 1 |
| Jonesboro, GA | 1 |
| Lagrange, GA | 1 |
| Mcdonough, GA | 1 |
| Newnan, GA | 1 |
Largest competitors nearby
Local market: Fayette county, GA, around its headquarters.
| 12 in its local market | Deposit share |
|---|---|
| Truist Bank | 22.5% |
| Wells Fargo Bank, National Association | 18.2% |
| Bank of America, National Association | 16.1% |
| United Community Bank | 9.9% |
| Pinnacle Bank | 8.6% |
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.