Fairmont Federal Credit Union

Headquarters: Fairmont, West Virginia
Charter: Credit Union
Assets: $603.1M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Fairmont 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.	Fairmont Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Fairmont 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 $402K in Q2 2026, 22% below the same quarter a year earlier ($518K).
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)
Compared at $30, its standard fee, the highest of its prices
Fairmont Federal Credit Union: $25 to $30
Fairmont Federal Credit Union: $25 to $30
U.S. median: no median
NSF / Returned Item
Fairmont Federal Credit Union: $20
Fairmont Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Fairmont Federal Credit Union: $25
Fairmont Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond 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).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 rose 5.2% from Q3 2025 to Q2 2026, to $402K.

Fee income, Q2 2026

$402K

$382KQ3 2025

$424KQ4 2025

$367KQ1 2026

$402KQ2 2026

Against the median

Fairmont 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

Fairmont Federal Credit Union · $603M 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 14 states.

Credit unions only
$580M to $624M in assets
Headquartered in 14 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
Fairmont Federal Credit Union(this institution)	Fairmont, WV	$603M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ascentra Federal Credit Union	Bettendorf, IA	$596M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Credit Union of Texas	League City, TX	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Willamette Federal Credit Union	Albany, OR	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Diversified Members Federal Credit Union	Detroit, MI	$589M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dugood Federal Credit Union	Beaumont, TX	$609M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Educators Federal Credit Union	Waco, TX	$610M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Embers Federal Credit Union	Marquette, MI	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Embold Federal Credit Union	Oregon City, OR	$596M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Firelands Federal Credit Union	Bellevue, OH	$580M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Floridacentral Federal Credit Union	Tampa, FL	$622M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Homeland Federal Credit Union	Chillicothe, OH	$624M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
I.L.W.U. Federal Credit Union	Long Beach, CA	$608M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnco Federal Credit Union	Cambridge, MN	$605M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Police Federal Credit Union	Chicago, IL	$621M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Securityplus Federal Credit Union	Baltimore, MD	$597M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Siu Federal Credit Union	Carbondale, IL	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southpoint Financial Federal Credit Union	Sleepy Eye, MN	$609M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Tech Federal Credit Union	Crown Point, IN	$599M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Town & Country Federal Credit Union	South Portland, ME	$621M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transcend Federal Credit Union	Louisville, KY	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Via Credit Union	Marion, IN	$604M	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 · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

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

The peer median is $5 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Fairmont Federal Credit U…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Fairmont 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: $402K
vs prior quarter: +$35K+9.5%; from Q1 2026
vs a year earlier: −$116K−22.4%; from Q2 2025
vs start of range: −$157K−28.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Fairmont 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	$402K	+$35K	+9.5%
Q1 2026	$367K	−$57K	−13.4%
Q4 2025	$424K	+$42K	+11.0%
Q3 2025	$382K	−$136K	−26.3%
Q2 2025	$518K	+$35K	+7.2%
Q1 2025	$483K	−$79K	−14.1%
Q4 2024	$562K	+$3K	+0.5%
Q3 2024	$559K	+$76K	+15.7%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

If, during any monthly statement cycle, your account balance falls below the required minimum daily balance, your accoun (audience not stated, treated as personal)$4
per month
Minimum balance fee (audience not stated, treated as personal)$4
per month
Share Savings Minimum Balance Fee$4
per month
Closed account fee (audience not stated, treated as personal)$5
one time
Early Account Closure (audience not stated, treated as personal)$5
Withdrawal of dividends prior to maturity: The annual percentage yield is based on the: Account Research and Balancing$25
Not compared: Annual charge, not per item
per year

Overdraft & NSF

Courtesy Overdraft Protection$30
per item
Multi-Account Overdraft Protec$25
Share Savings Non-Sufficient Fund Item$20
per item

ATM & Card

International Service Assessment1%

Wire Transfers

Domestic Wire Transfer – Ou$25

Check Services

Money Orders$4
per item
Delete Stop Payment$15
per item
Stop Payments (all items)$30
per item
Share Draft Copy$5
per item

Digital & Electronic

Bill Pay-e Plus Inactive Fee$3.95
per month
Bill Pay-e Plus, and Mobile BankingNo charge

Cash & Deposit

Coin Counting - Wrapped CoinNo charge

Account Services

Notary Service FeeNo charge
Safe Deposit Box Lost Key$15
Not compared: Box drilling or key fee
Safe Deposit Box Rentals$25
Attachments/Levies/Garnis$75

Lending Fees

Loan origination fee$195
one time

Other Fees

Fax Service (Continental US & Toll Free)$1
per item
Photocopy$0.25
per item
Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
If, during any monthly statement cycle, your account balance falls below the required minimum daily balance, your accoun (audience not stated, treated as personal)	$4	per month	None
Minimum balance fee (audience not stated, treated as personal)	$4	per month	None
Share Savings Minimum Balance Fee	$4	per month	None
Closed account fee (audience not stated, treated as personal)	$5	one time	None
Early Account Closure (audience not stated, treated as personal)	$5	Not stated	None
Withdrawal of dividends prior to maturity: The annual percentage yield is based on the: Account Research and Balancing	$25Not compared: Annual charge, not per item	per year	None
Overdraft & NSF
Courtesy Overdraft Protection	$30	per item	None
Multi-Account Overdraft Protec	$25	Not stated	None
Share Savings Non-Sufficient Fund Item	$20	per item	None
ATM & Card
International Service Assessment	1%	Not stated	None
Wire Transfers
Domestic Wire Transfer – Ou	$25	Not stated	None
Check Services
Money Orders	$4	per item	None
Delete Stop Payment	$15	per item	None
Stop Payments (all items)	$30	per item	None
Share Draft Copy	$5	per item	None
Digital & Electronic
Bill Pay-e Plus Inactive Fee	$3.95	per month	None
Bill Pay-e Plus, and Mobile Banking	No charge	Not stated	None
Cash & Deposit
Coin Counting - Wrapped Coin	No charge	Not stated	None
Account Services
Notary Service Fee	No charge	Not stated	None
Safe Deposit Box Lost Key	$15Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Rentals	$25	Not stated	None
Attachments/Levies/Garnis	$75	Not stated	None
Lending Fees
Loan origination fee	$195	one time	None
Other Fees
Fax Service (Continental US & Toll Free)	$1	per item	None
Photocopy	$0.25	per item	None
Statement Copy	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 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

Get an email when Fairmont Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.