Compared with Florida
11 of 22
compared fees are above the median.
4 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
74th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 22 compared; 4 below, 7 about the same
See the feesFee 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) 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. | 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 8.7% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (74th 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 $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.
11 of 22 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)
Compared at $40, its standard fee, the highest of its prices
Monthly Maintenance
Interest Checking $5 · Basic Checking $10
Compared at $7.50, 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 4.4% from Q3 2025 to Q2 2026, to $1.4M. Its share of revenue, 8.7%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.4M
Radiant 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. *Overdraft: Listed at $10 to $40; we compare the highest. Non-network ATM: Listed at $1 to $3.50; we compare the midpoint. Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Radiant 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 Radiant Federal Credit Union by share.
Amounts from Radiant 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 item
per hour
per item
per item
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| EFFECTIVE JANUARY 1, 2025Account closing (If account is closed within 90 days after opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee (each month) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment (per account/box) | $60Above the U.S. middle 50% ($5 to $10 nationally) | 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 | $15Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) / Courtesy Pay Fees:share draft or electronic item (each) | $40Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Replace ATM cardE-Courtesy Pay (paid item) fee | $10Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF (returned item) fee (each) | $40Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Balance inquiry at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Cash withdrawal at ATM other than ATMs owned or operated by Radiant or Presto Network ATMs | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace ATM card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace ATM card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace Visa Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush ATM card replacementATM or one-time debit card transactions (each) | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| ATM & Visa Debit Card international | 1% | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer (outgoing) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer (incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Foreign deposit or collection item processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of draft (or other transaction slip) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback fee for ATM/DEBIT/ACH | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Deposited items returned unpaid | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services (per non-Radiant document) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6 x 10 | $73Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7 x 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe deposit box rental (annual fees):(each month) | $10Not compared: Monthly charge, not annual | per month | None |
| Garnishments, levies, tax liens | $100Above the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA/HSA transfer: Full transfer and close | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA/HSA transfer: Partial transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa gift card | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip-A-Pay | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | 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.
Where Radiant Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
15 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Gainesville, FL | 4 |
| Alachua, FL | 1 |
| Chiefland, FL | 1 |
| Crescent City, FL | 1 |
| Hawthorne, FL | 1 |
| Lake City, FL | 1 |
| Live Oak, FL | 1 |
| Newberry, FL | 1 |
Largest competitors nearby
Local market: Alachua county, FL, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 24.7% |
| Bank of America, National Association | 24.4% |
| Ameris Bank | 9.8% |
| Truist Bank | 6.7% |
| JPMorgan Chase 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.