24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. 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 $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.
Comparison with U.S. 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
A blank median means fewer than 5 publish the fee.
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.
$799K
The Southern Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from The Southern Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly maintenance fees | No charge | per month | None |
| Monthly maintenance fee (accounts falling below $750) | $5 | per month | None |
| Inactivity Fee (per month after 24 months without activity) | $5 | 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 | $10 | per item | None |
| Return Mail | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege (OSP) Standard or Extended Coverage | $35 | per item | None |
| Negative Balance Fee | $15 | Not stated | None |
ATM & Card | |||
| ACH or ATM | $5 | Not stated | None |
| ATM transactions (at non-TSCU machines) in excess of three transactions per month | $1.50 | per item | None |
| Automated Teller Machine (ATM) transactions (at non-TSCU machines) | $1.50 | per item | None |
| VISA® Card (EMV) Replacement Fee | $10 | per item | None |
| VISA® Card Replacement Fee | $5 | per item | None |
| VISA® Card Expedited Delivery Fee | $70 | per item | None |
| VISA® Card PIN Mailer Expedited Delivery Fee | $70 | Not stated | None |
Wire Transfers | |||
| Outgoing domestic wire transfers 3:00 PM Eastern Time cut-off | $15 | Not stated | None |
| Incoming wire transfers | $10 | Not stated | None |
| Outgoing international wire transfers 12:00 PM Eastern Time cut-off | $45 | Not stated | None |
Check Services | |||
| Official check | $5 | Not stated | None |
| Money orders | $3 | Not stated | None |
| Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year) | $35 | per item | None |
| Collection fee | $15 | Not stated | None |
| Collection Fee | $15 | Not stated | None |
| Collection Fee/Foreign Check Presentment | $30 | Not stated | None |
| Copy of original share drafts | $3 | per item | None |
| VISA® Convenience Check Copy Fee | $3 | per item | None |
Cash & Deposit | |||
| VISA® Cash Advance Fee | $5 | Not stated | None |
Account Services | |||
| Notary Service | No charge | Not stated | None |
| Safe Deposit Box 10 x 10 x 24 | $125 | per year | None |
| Safe Deposit Box 10 x 10 x 24 | $125 | Not stated | None |
| Safe Deposit Box 3 X 10 X 24 | $50 | per year | None |
| Safe Deposit Box 3 X 10 X 24 | $50 | Not stated | None |
| Safe Deposit Box 3 X 5 X 24 | $30 | per year | None |
| Safe Deposit Box 5 X 10 X 24 | $70 | per year | None |
| Safe Deposit Box 5 X 10 X 24 | $70 | Not stated | None |
| Safe Deposit Box 5 X 5 X 24 | $40 | per year | None |
| Safe Deposit Box 5 X 5 X 24 | $40 | Not stated | None |
| Safe Deposit Box 7 X 10 X 24 | $75 | per year | None |
| Safe Deposit Box 7 X 10 X 24 | $75 | 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 | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Reload Fee | $1 | per item | None |
| VISA® Gift Card | $3 | per item | None |
Other Fees | |||
| Copies of account statements | $5 | Not stated | None |
| Interim account statement printouts | $2 | Not stated | None |
| VISA® Sales Slip Copy Fee | $8 | per item | None |
| Skip payment processing fee | $25 | 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.
Fee change alerts
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