22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 21, 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 Oct 21, 2026
Call-report figures are for Citadel 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. | Citadel Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $6.0M in Q2 2026, 15% above the same quarter a year earlier ($5.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 10% from Q3 2025 to Q2 2026, to $6.0M.
$6.0M
Citadel Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Citadel Federal Credit Union · $6.9B 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 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citadel Federal Credit Union(this institution) | Exton, PA | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Apple Federal Credit Union | Fairfax, VA | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Fund Staff Federal Credit Union | Washington, DC | $7.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Federal Credit Union | Raleigh, NC | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Appleton, WI | $6.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Genisys Federal Credit Union | Auburn Hills, MI | $6.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kinecta Federal Credit Union | Manhattan Beach, CA | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Landmark Federal Credit Union | Brookfield, WI | $7.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Langley Federal Credit Union | Newport News, VA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mission Federal Credit Union | San Diego, CA | $7.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Service Federal Credit Union | Portsmouth, NH | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spokane Teachers Federal Credit Union | Liberty Lake, WA | $6.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Farm Federal Credit Union | Bloomington, IL | $5.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Truliant Federal Credit Union | Winston Salem, NC | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trustone Financial Federal Credit Union | Plymouth, MN | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Wisconsin Federal Credit Union | Madison, WI | $6.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Virginia Federal Credit Union | Richmond, VA | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wescom Central Federal Credit Union | Pasadena, CA | $6.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $8 among 15 publishing peers.
Its two checking prices are $10 and $15.
$12.50 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 Oct 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Citadel 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 | $6.0M | +$591K | +10.9% |
| Q1 2026 | $5.4M | −$366K | −6.3% |
| Q4 2025 | $5.8M | +$338K | +6.2% |
| Q3 2025 | $5.5M | +$218K | +4.2% |
| Q2 2025 | $5.2M | +$312K | +6.3% |
| Q1 2025 | $4.9M | −$708K | −12.6% |
| Q4 2024 | $5.6M | +$191K | +3.5% |
| Q3 2024 | $5.4M | +$356K | +7.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Citadel Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per item
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10 | per month | None |
| Early Account Closure (audience not stated, treated as personal) | $5 | Not stated | None |
| Service fee to close account within 90 days of opening | $33 | Not stated | None |
| Inactivity Fee - Charged monthly to each savings, checking, and money market account if no activity on any Citadel account for one year | $5 | per month | None |
| Monthly inactivity fee | $5 | per month | None |
| Research Fee (includes account reconciliation) | $50 | Not stated | None |
| Paper account statement fee | $5 | Not stated | None |
| Paper statement fee | $2 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay overdraft fee | $33 | Not stated | None |
| Non-sufficient funds (NSF) fee | $33 | Not stated | None |
| OD Protection Transfer (audience not stated, treated as personal) | $5 | per item | None |
| OD Protection Transfer | $5 | Not stated | None |
ATM & Card | |||
| Based on 1 free non-Citadel ATM withdrawals | $3 | Not stated | None |
| Citadel Debit/ATM Card (audience not stated, treated as personal) | $10 | Not stated | None |
| Each ATM withdrawal at non-Citadel ATMs | $2 | per item | None |
| Each balance inquiry at non-Citadel ATMs | $3 | per item | None |
| Non-Citadel ATM withdrawal | $3 | per transaction | None |
| Debit Card Replacement | $10 | Not stated | None |
| Expedited debit/ATM card replacement (audience not stated, treated as personal) | $30 | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 1.1%of the transaction | Not stated | None |
| Foreign transaction fee | 1.1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic In) (audience not stated, treated as personal) | $10 | Not stated | None |
| Wire Transfer (Int'l In) (audience not stated, treated as personal) | $40 | Not stated | None |
Check Services | |||
| Check Disbursed Fee - for each Cashier’s Check | $5 | per item | None |
| Stop Payment | $25 | Not stated | None |
| Stop payment fee | $25 | Not stated | None |
| Non-member check cashing fee | $5 | Not stated | None |
| Foreign Check Deposits (audience not stated, treated as personal) | $25 | Not stated | None |
| Foreign Check Deposits (audience not stated, treated as personal) | $35 | Not stated | None |
| Varies – All other foreign check deposits (audience not stated, treated as personal) | $10 | Not stated | None |
| Charge for copy of deposited item | $10 | Not stated | None |
Digital & Electronic | |||
| Monthly fee with ACH origination (audience not stated, treated as personal) | $15Not compared: Monthly charge, not per item | per month | None |
| One-time ACH origination setup fee (audience not stated, treated as personal) | $30 | one time | None |
Cash & Deposit | |||
| Deposited Item Return (audience not stated, treated as personal) | $40 | Not stated | None |
| Returned item fee for Canadian checks (audience not stated, treated as personal) | $15 | Not stated | None |
Account Services | |||
| Home equity loan/line of credit subordination fee | $100 | Not stated | None |
| Legal Process Fee | $50 | Not stated | None |
Other Fees | |||
| Home equity line of credit early termination fee | $250 | Not stated | None |
| Withdrawal fee for each withdrawal or transfer (three free per calendar quarter) | $25 | per transaction | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 21, 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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