22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 25, 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 25, 2026
Call-report figures are for Radiant 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. | Radiant Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $1.4M in Q2 2026, 12% above the same quarter a year earlier ($1.3M).
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
Interest Checking $5 · Basic Checking $10
Compared at $7.50, the middle of its prices
Overdraft (OD)
Compared at $40, its standard fee, the highest of its prices
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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 4.4% from Q3 2025 to Q2 2026, to $1.4M.
$1.4M
Radiant Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Radiant Federal Credit Union · $1.1B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Radiant Federal Credit Union(this institution) | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Advantage Federal Credit Union | Newport News, VA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community 1St Federal Credit Union | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Family Security Federal Credit Union | Decatur, AL | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Hfs Federal Credit Union | Hilo, HI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raiz Federal Credit Union | El Paso, TX | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| 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 |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Velocity Federal Credit Union | Austin, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $6.25 among 10 publishing peers.
Its two checking prices are $5 and $10.
$7.50 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 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 Radiant Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 22 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.4M | −$245K | −14.8% |
| Q1 2026 | $1.7M | +$168K | +11.3% |
| Q4 2025 | $1.5M | +$137K | +10.1% |
| Q3 2025 | $1.4M | +$93K | +7.4% |
| Q2 2025 | $1.3M | +$37K | +3.0% |
| Q1 2025 | $1.2M | +$38K | +3.2% |
| Q4 2024 | $1.2M | +$6K | +0.5% |
| Q3 2024 | $1.2M | +$134K | +12.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Radiant Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per item
per hour
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly fee | $10 | per month | None |
| Monthly Maintenance | $5 | per month | None |
| EFFECTIVE JANUARY 1, 2025Account closing (If account is closed within 90 days after opening) | $20 | Not stated | None |
| Dormant account fee (each month) | $15 | per month | None |
| Escheatment (per account/box) | $60 | per item | None |
| Account research and balancing assistance per hour (minimum $25.00) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned mail | $15 | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) / Courtesy Pay Fees:share draft or electronic item (each) | $40 | per item | None |
| Replace ATM cardE-Courtesy Pay (paid item) fee | $10 | Not stated | None |
| NSF (returned item) fee (each) | $40 | per item | None |
ATM & Card | |||
| Balance inquiry at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs | $1 | Not stated | None |
| Cash withdrawal at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs | $3.50 | Not stated | None |
| Replace ATM card | $10 | Not stated | None |
| Replace ATM card | $5 | Not stated | None |
| Replace Visa Debit Card | $15 | Not stated | None |
| Rush ATM card replacementATM or one-time debit card transactions (each) | $40 | Not stated | None |
| ATM & Visa Debit Card international | 1% | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer (outgoing) | $30 | Not stated | None |
| Wire transfer (incoming) | $15 | Not stated | None |
Check Services | |||
| Cashier’s check | $5 | Not stated | None |
| Foreign deposit or collection item processing | $10 | Not stated | None |
| Copy of draft (or other transaction slip) | $5 | Not stated | None |
Cash & Deposit | |||
| Chargeback fee for ATM/DEBIT/ACH | $15 | Not stated | None |
| Deposited items returned unpaid | $15 | Not stated | None |
Account Services | |||
| Notary Services (per non-Radiant document) | $5 | Not stated | None |
| Safe Deposit Box 10 x 10 | $90 | Not stated | None |
| Safe Deposit Box 3 x 10 | $55 | per year | None |
| Safe Deposit Box 3 x 5 | $35 | per year | None |
| Safe Deposit Box 5 x 10 | $70 | Not stated | None |
| Safe Deposit Box 5 x 5 | $45 | Not stated | None |
| Safe Deposit Box 6 x 10 | $73 | Not stated | None |
| Safe Deposit Box 7 x 10 | $80 | Not stated | None |
| Safe deposit box rental (annual fees):(each month) | $10Not compared: Monthly charge, not annual | per month | None |
| Garnishments, levies, tax liens | $100 | Not stated | None |
Retirement & IRA | |||
| IRA/HSA transfer: Full transfer and close | $35 | Not stated | None |
| IRA/HSA transfer: Partial transfer | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa gift card | $3.50 | Not stated | None |
Other Fees | |||
| Copy of statement | $5 | Not stated | None |
| Skip-A-Pay | $40 | Not stated | None |
Oct 25, 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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