Compared with Maryland
8 of 23
compared fees are above the median.
9 below, 6 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
34th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 23 compared; 9 below, 6 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Fedchoice 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 Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Fedchoice Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.4% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (34th 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 $428K in Q2 2026, 11% above the same quarter a year earlier ($386K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 23 compared published fees sit above the Maryland median; 9 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 Maryland medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 2.6% from Q3 2025 to Q2 2026, to $428K. Its share of revenue, 6.4%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$428K
Fedchoice 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.
Fedchoice Federal Credit Union · $469M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Fedchoice Federal Credit Union(this institution) | Lanham, MD | $469M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aod Federal Credit Union | Bynum, AL | $467M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Baton Rouge Telco Federal Credit Union | Baton Rouge, LA | $458M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Canton School Employees Federal Credit Union | North Canton, OH | $462M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cascade Community Federal Credit Union | Roseburg, OR | $465M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Century Federal Credit Union | Independence, OH | $470M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Community Financial Federal Credit Union | Auburn Hills, MI | $470M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cu Hawaii Federal Credit Union | Hilo, HI | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earthmover Federal Credit Union | Aurora, IL | $472M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Infuze Federal Credit Union | Fort Leonard Wood, MO | $457M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Millbury Federal Credit Union | Millbury, MA | $468M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Star Community Federal Credit Union | Maddock, ND | $465M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ouachita Valley Federal Credit Union | West Monroe, LA | $464M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Picatinny Federal Credit Union | Dover, NJ | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Public Service Federal Credit Union | Romulus, MI | $468M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Cloud Financial Federal Credit Union | Sartell, MN | $456M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Suma Federal Credit Union | Yonkers, NY | $468M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tidemark Federal Credit Union | Seaford, DE | $469M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trona Valley Community Federal Credit Union | Green River, WY | $470M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheelhouse Federal Credit Union | San Diego, CA | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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
The peer median is $7.50 among 12 publishing peers.
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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Fedchoice Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Fedchoice Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $428K | +$3K | +0.7% |
| Q1 2026 | $425K | +$37K | +9.5% |
| Q4 2025 | $388K | −$29K | −7.0% |
| Q3 2025 | $417K | +$31K | +8.0% |
| Q2 2025 | $386K | −$85K | −18.0% |
| Q1 2025 | $471K | +$2K | +0.4% |
| Q4 2024 | $469K | −$8K | −1.7% |
| Q3 2024 | $477K | +$26K | +5.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Fedchoice 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 Fedchoice Federal Credit Union by share.
Amounts from Fedchoice Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour · Account Reconciliation or Research Assistance (1 hour minimum) | $15.00/hour
per month
per quarter
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per page · Copy of Transaction History | $1.00/page
per item
per statement · Statement Reprint | $5.00/statement
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed (within 12 months of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account (account dormant for 1 year or more; combined deposit account balances <$500.00) | $20Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconciliation or Research Assistance (1 hour minimum) | $15Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation or Research Assistance (1 hour minimum) | $15.00/hour |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| "Priority"/4-5 Business Days Shipping Cost Undelivered card due to bad address | $30Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Incorrect Address | $20Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) - all forms | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Visa® Non-Sufficient Funds (NSF) Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Checking Overdraft Transfers from Share Account+ | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Transactions at non-FedChoice ATMs (Usage: >5 month) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card or Credit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card or Credit Card Replacement PIN | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Increased Card Shipping Costs "Rush"/2-3 Business Days Shipping Cost | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire: Outgoing/Domestic# | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire: Outgoing/Foreign | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (Payable to self or payable to third party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (maximum amount $1,000.00) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Revoke Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (per item or series) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Foreign Item (check copy request) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Money Order Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| BillPay Payment Request | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BillPay/Payment System | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit/Electronic Funds Transfer (EFT)/ACH | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service (for FedChoice members) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy/Garnishment Attachments | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Subordination - Rush (48 Hours) | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Third-Party Verification of Deposit or Loan | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| MasterCard® Gift Cards | $5.95Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Transaction History | $1Not compared: Charged per page; comparison unavailable | per page | Copy of Transaction History | $1.00/page |
| Document Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprint | $5Not compared: Charged per statement; comparison unavailable | per statement | Statement Reprint | $5.00/statement |
| Lien Release Re-Issue | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Skip-a-Pay (limit 2 per loan/per 12 months) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Nov 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 Fedchoice Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 3 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lanham, MD | 2 |
| Washington, DC | 2 |
| Philadelphia, PA | 1 |
Largest competitors nearby
Local market: Prince George's county, MD, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 29% |
| Truist Bank | 24.4% |
| Capital One, National Association | 9.3% |
| PNC Bank, National Association | 7.9% |
| Wells Fargo Bank, National Association | 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.