21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 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 Nov 4, 2026
Call-report figures are for Raiz 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. | Raiz Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 150% from Q3 2025 to Q2 2026, to $4.5M.
$4.5M
Raiz Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Raiz 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Raiz Federal Credit Union(this institution) | El Paso, TX | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| 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 |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| 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 |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 11 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Raiz 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Raiz 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 | $4.5M | −$461K | −9.3% |
| Q1 2026 | $4.9M | +$3.1M | +161.4% |
| Q4 2025 | $1.9M | +$97K | +5.4% |
| Q3 2025 | $1.8M | +$3.2M | |
| Q2 2025 | -$1.4M | −$6.2M | |
| Q1 2025 | $4.8M | −$476K | −9.0% |
| Q4 2024 | $5.3M | +$392K | +8.0% |
| Q3 2024 | $4.9M | −$229K | −4.5% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Raiz Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour · Account Reconciliation | $20.00 per hour
per hour · Account Research | $50.00 per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure | $5 | Not stated | None |
| Inactive Account | $15 | per month | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation | $20.00 per hour |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $50.00 per hour |
| Paper Statement Fee | $2.50 | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds | $39.95 | per item | None |
| Overdraft Protection Transfer Fee (from deposit account) (audience not stated, treated as personal) | $10 | per item | None |
| Overdraft Protection Transfer Fee (from Line of Credit Advance in Increments of $100.00) (audience not stated, treated as personal) | $5 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction | $5 | per item | None |
| MasterCard Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $35 | per item | None |
| Wire Transfer (Incoming) | No charge | Not stated | None |
Check Services | |||
| Corporate/Cashier Check | $5 | per item | None |
| Stop Payment ACH/Corporate Check | $19.95 | per item | None |
| Stop Payment ACH/Personal Check | $19.95 | per item | None |
| Stop Payment for Series of Checks in Sequence | $19.95 | Not stated | None |
| Non-Member Check Cashing Fee | $15 | per item | None |
| Runner Collection for Insufficient Funds Fee | $10 | per item | None |
| Check Photocopy | $5 | per item | None |
Cash & Deposit | |||
| Non-Member Credit Card Cash Advance | $15 | per item | None |
Account Services | |||
| Notary Fee | $6 | Not stated | None |
| Both Keys Lost (Lock Replacement and/or Emergency Drill) (audience not stated, treated as personal) | $375Not compared: Box drilling or key fee | Not stated | None |
| Emergency Drill Schedule (Member No-Show) (audience not stated, treated as personal) | $375Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) (audience not stated, treated as personal) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50 | Not stated | None |
| Subordination (audience not stated, treated as personal) | $225 | Not stated | None |
| Verification of Deposit | $25 | per item | None |
Other Fees | |||
| Tax Document Copy Fee | $2.50 | Not stated | None |
| Lien Release Fee (audience not stated, treated as personal) | $20 | Not stated | None |
| Loan Modification (audience not stated, treated as personal) | $200 | Not stated | None |
| Payoff Quote Fee (audience not stated, treated as personal) | $25 | Not stated | None |
| Skip-A-Payment Fee | $30 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per month
per hour · Account Reconciliation | $20.00 per hour
per hour · Account Research | $50.00 per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure | $5 | Not stated | None |
| Inactive Account | $15 | per month | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation | $20.00 per hour |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $50.00 per hour |
| Paper Statement Fee | $2.50 | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds | $39.95 | per item | None |
ATM & Card | |||
| ATM Foreign Transaction | $5 | per item | None |
| MasterCard Debit Card Replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $35 | per item | None |
| Wire Transfer (Incoming) | No charge | Not stated | None |
Check Services | |||
| Corporate/Cashier Check | $5 | per item | None |
| Stop Payment ACH/Corporate Check | $19.95 | per item | None |
| Stop Payment ACH/Personal Check | $19.95 | per item | None |
| Stop Payment for Series of Checks in Sequence | $19.95 | Not stated | None |
| Non-Member Check Cashing Fee | $15 | per item | None |
| Runner Collection for Insufficient Funds Fee | $10 | per item | None |
| Check Photocopy | $5 | per item | None |
Digital & Electronic | |||
| Business ACH (per batch) | $25 | Not stated | None |
Cash & Deposit | |||
| Non-Member Credit Card Cash Advance | $15 | per item | None |
Account Services | |||
| Notary Fee | $6 | Not stated | None |
| Verification of Deposit | $25 | per item | None |
Other Fees | |||
| Tax Document Copy Fee | $2.50 | Not stated | None |
| Skip-A-Payment Fee | $30 | per item | None |
Nov 4, 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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