Compared with Florida
7 of 16
compared fees are above the median.
4 below, 5 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
61st percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 16 compared; 4 below, 5 about the same
See the feesFee schedule read Oct 3, 2026
Call-report figures are for Addition Financial 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 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. | Addition Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.4% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (61st 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 $4.8M in Q2 2026, 58% above the same quarter a year earlier ($3.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 16 compared published fees sit above the Florida median; 4 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.
Overdraft (OD)
Monthly Maintenance
Compared at $6.25, the middle of its prices
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 51% from Q3 2025 to Q2 2026, to $4.8M. Its share of revenue, 7.4%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.8M
Addition Financial 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. *Monthly maintenance: Listed at $0 to $15; we compare the midpoint.
Addition Financial Federal Credit Union · $3.8B 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 |
|---|---|---|---|---|---|---|---|
| Addition Financial Federal Credit Union(this institution) | Lake Mary, FL | $3.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Advia Federal Credit Union | Kalamazoo, MI | $4.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| All In Federal Credit Union | Daleville, AL | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| California Coast Federal Credit Union | San Diego, CA | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Campus USA Federal Credit Union | Gainesville, FL | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coastal1 Federal Credit Union | Pawtucket, RI | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connexus Federal Credit Union | Wausau, WI | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Educators Federal Credit Union | Racine, WI | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elevations Federal Credit Union | Boulder, CO | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| General Electric Federal Credit Union | Cincinnati, OH | $4.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgia'S Own Federal Credit Union | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grow Financial Federal Credit Union | Tampa, FL | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Indiana Members Federal Credit Union | Indianapolis, IN | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nuvision Federal Credit Union | Huntington Beach, CA | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oregon Community Federal Credit Union | Eugene, OR | $3.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Provident Federal Credit Union | Redwood City, CA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rockland Federal Credit Union | Rockland, MA | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sound Federal Credit Union | Tacoma, WA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Energy Federal Credit Union | Birmingham, AL | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trumark Financial Federal Credit Union | Fort Washington, PA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Community Federal Credit Union | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valley Strong Federal Credit Union | Bakersfield, CA | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Whatcom Educational Federal Credit Union | Bellingham, WA | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.25, the middle of its four prices, against a peer median of $7 among 15 publishing peers.
Its four checking prices are $0, $5, $7.50 and $15.
$6.25 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 Nov 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Addition Financial Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 28 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $4.8M | +$298K | +6.7% |
| Q1 2026 | $4.5M | −$677K | −13.1% |
| Q4 2025 | $5.1M | +$2.0M | +62.5% |
| Q3 2025 | $3.2M | +$142K | +4.7% |
| Q2 2025 | $3.0M | +$122K | +4.2% |
| Q1 2025 | $2.9M | −$237K | −7.5% |
| Q4 2024 | $3.1M | −$148K | −4.5% |
| Q3 2024 | $3.3M | +$216K | +7.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Addition Financial 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 Addition Financial Federal Credit Union by share.
Amounts from Addition Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant accounts | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research (reconciliation) fee at member’s request | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper statement (mailed) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned mail/invalid address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Check orders | prices vary Courtesy Pay to cover overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft protection transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non-AFCU ATM Transactions | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Wire message (non-domestic) | $25Below 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 | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Returned check deposit | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/levy services | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Oct 3, 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 Addition Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
36 offices in 2 states (June 30, 2026)
Each dot is one office.
33 of 36 offices on the map. 2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Orlando, FL | 8 |
| Tallahassee, FL | 4 |
| Kissimmee, FL | 3 |
| Sanford, FL | 2 |
| Thomasville, GA | 2 |
| Apopka, FL | 1 |
| Bainbridge, GA | 1 |
| Chattahoochee, FL | 1 |
Largest competitors nearby
Local market: Seminole county, FL, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 18.1% |
| JPMorgan Chase Bank, National Association | 17.1% |
| Wells Fargo Bank, National Association | 15.3% |
| Truist Bank | 13.2% |
| Fifth Third Bank, National Association | 6.2% |
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.