Compared with New York
4 of 22
compared fees are above the median.
12 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
84th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 22 compared; 12 below, 6 about the same
See the feesFee schedule read Oct 15, 2026
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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M 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 New York median | Published fees above the New York 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
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (84th 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 $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.
4 of 22 compared published fees sit above the New York median; 12 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 New York medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Fee income was about level from Q3 2025 to Q2 2026, at $216K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$216K
Auburn Community 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Auburn Community 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 | $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% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Auburn Community 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 Auburn Community Federal Credit Union by share.
Amounts from Auburn Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per transaction
per item
per item
per item
per item
per item
per month
per item
per item
| 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) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account / Escheat Processing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non Sufficient Funds Fee (NSF Fee) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Transfer From Savings | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Overnight Delivery Visa Card per card (Pass-Through Cost) | $60Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost) | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee - Block of Checks | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay Inactivity Fee | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited Item Returned (Return Check Fee) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Loan Subordination Fee | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closure / IRA Transfer Fee | $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) | per item | None |
Other Fees | |||
| Statement Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Lien Release Copy | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification Fee (May Request After One Year's Worth of Payments) | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Auburn Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Auburn, NY | 2 |
| Liverpool, NY | 1 |
| Weedsport, NY | 1 |
Largest competitors nearby
Local market: Cayuga county, NY, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| KeyBank National Association | 23.6% |
| Five Star Bank | 15.6% |
| Cayuga Lake National Bank | 13.7% |
| Tompkins Community Bank | 10.5% |
| Chemung Canal Trust Company | 7.7% |
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.