Auburn Community Federal Credit Union

Headquarters: Auburn, New York
Charter: Credit Union
Assets: $126.5M
Fed district: New York
Regulator: NCUA

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

Overview

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 15, 2026

How these figures are measured

Call-report figures are for Auburn Community 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.	Auburn Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Auburn Community Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $216K in Q2 2026, 1.4% above the same quarter a year earlier ($213K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Auburn Community Federal Credit Union: $25
Auburn Community Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Auburn Community Federal Credit Union: $25
Auburn Community Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Auburn Community Federal Credit Union: $1
Auburn Community Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $216K.

Fee income, Q2 2026

$216K

$218KQ3 2025

$222KQ4 2025

$210KQ1 2026

$216KQ2 2026

Against the median

Auburn Community Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Auburn Community Federal Credit Union · $126M 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.

Credit unions only
$124M to $129M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Auburn Community Federal Credit Union(this institution)	Auburn, NY	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Adventhealth Federal Credit Union	Altamonte Springs, FL	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Allentown Federal Credit Union	Allentown, PA	$128M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bp Federal Credit Union	Houston, TX	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brotherhood Federal Credit Union	Lynn, MA	$125M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Coconino Federal Credit Union	Flagstaff, AZ	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crow Wing Power Federal Credit Union	Brainerd, MN	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Missouri Federal Credit Union	Saint Louis, MO	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Garden Island Federal Credit Union	Lihue, HI	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Illinois State Police Federal Credit Union	Springfield, IL	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ingersoll-Rand Federal Credit Union	Sayre, PA	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mutual First Federal Credit Union	Omaha, NE	$125M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
N A E Federal Credit Union	Chesapeake, VA	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Nesc Federal Credit Union	Methuen, MA	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Iowa Community Federal Credit Union	Mason City, IA	$128M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northern Communities Federal Credit Union	Duluth, MN	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Plus Federal Credit Union	Las Vegas, NV	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sun Federal Credit Union	Hollywood, FL	$129M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Telco Plus Federal Credit Union	Longview, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Health & Education Federal Credit Union	Lexington, KY	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Tomah Area Federal Credit Union	Tomah, WI	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Triangle Federal Credit Union	Columbus, MS	$129M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ufirst Federal Credit Union	Plattsburgh, NY	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Community Federal Credit Union	Houston, TX	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Savings Federal Credit Union	Fargo, ND	$125M	Publishes Monthly maintenance	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.

Fee type

Peer pricing snapshot

Auburn Community Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6 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 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

Auburn Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Auburn Community Federal…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Auburn Community Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $216K
vs prior quarter: +$6K+2.9%; from Q1 2026
vs a year earlier: +$3K+1.4%; from Q2 2025
vs start of range: −$8K−3.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Auburn Community Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$216K	+$6K	+2.9%
Q1 2026	$210K	−$12K	−5.4%
Q4 2025	$222K	+$4K	+1.8%
Q3 2025	$218K	+$5K	+2.3%
Q2 2025	$213K	+$16K	+8.1%
Q1 2025	$197K	−$21K	−9.6%
Q4 2024	$218K	−$6K	−2.7%
Q3 2024	$224K	+$7K	+3.2%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Auburn Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened)$5
Dormant Account / Escheat Processing Fee$5
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Mail Handling / Return Mail Fee$5

Overdraft & NSF

Courtesy Pay Fee$25
per item
Non Sufficient Funds Fee (NSF Fee)$25
per item
Automatic Overdraft Transfer From Savings$5
per item

ATM & Card

NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee$1
per transaction
Card Replacement Fee$5
Overnight Delivery Visa Card per card (Pass-Through Cost)$60
per item
Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost)$60

Wire Transfers

Wire Transfers - Outgoing$15

Check Services

Money Orders$2
per item
Stop Payment Fee$15
per item
Stop Payment Fee - Block of Checks$35
Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check)$5
per item
Check Copies$2
per item

Digital & Electronic

Online Bill Pay Inactivity Fee$5
per month

Cash & Deposit

Deposited Item Returned (Return Check Fee)$15
per item

Account Services

Notary ServiceNo charge
Loan Subordination Fee$250

Retirement & IRA

IRA Closure / IRA Transfer Fee$25

Gift & Prepaid Cards

Visa Gift Card$3.50
per item

Other Fees

Statement Copies$2
Lien Release Copy$10
Loan Modification Fee (May Request After One Year's Worth of Payments)$250

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened)	$5	Not stated	None
Dormant Account / Escheat Processing Fee	$5	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Mail Handling / Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$25	per item	None
Non Sufficient Funds Fee (NSF Fee)	$25	per item	None
Automatic Overdraft Transfer From Savings	$5	per item	None
ATM & Card
NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee	$1	per transaction	None
Card Replacement Fee	$5	Not stated	None
Overnight Delivery Visa Card per card (Pass-Through Cost)	$60	per item	None
Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost)	$60	Not stated	None
Wire Transfers
Wire Transfers - Outgoing	$15	Not stated	None
Check Services
Money Orders	$2	per item	None
Stop Payment Fee	$15	per item	None
Stop Payment Fee - Block of Checks	$35	Not stated	None
Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check)	$5	per item	None
Check Copies	$2	per item	None
Digital & Electronic
Online Bill Pay Inactivity Fee	$5	per month	None
Cash & Deposit
Deposited Item Returned (Return Check Fee)	$15	per item	None
Account Services
Notary Service	No charge	Not stated	None
Loan Subordination Fee	$250	Not stated	None
Retirement & IRA
IRA Closure / IRA Transfer Fee	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.50	per item	None
Other Fees
Statement Copies	$2	Not stated	None
Lien Release Copy	$10	Not stated	None
Loan Modification Fee (May Request After One Year's Worth of Payments)	$250	Not stated	None

Correct a fee source

Oct 15, 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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