Highmark Federal Credit Union

Headquarters: Rapid City, South Dakota
Charter: Credit Union
Assets: $257.8M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 5, 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 5, 2026

How these figures are measured

Call-report figures are for Highmark 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.	Highmark Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Highmark 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 $423K in Q2 2026, 3.4% above the same quarter a year earlier ($409K).
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.

Monthly Maintenance
Highmark Federal Credit Union: $25
Highmark Federal Credit Union: $25
U.S. median: no median
Overdraft (OD)
Highmark Federal Credit Union: $25
Highmark Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Highmark Federal Credit Union: $25
Highmark Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis 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).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 fell 5.2% from Q3 2025 to Q2 2026, to $423K.

Fee income, Q2 2026

$423K

$446KQ3 2025

$427KQ4 2025

$421KQ1 2026

$423KQ2 2026

Against the median

Highmark 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

Highmark Federal Credit Union · $258M 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 16 states.

Credit unions only
$252M to $263M in assets
Headquartered in 16 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
Highmark Federal Credit Union(this institution)	Rapid City, SD	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bridge Federal Credit Union	Powell, OH	$257M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cacl Federal Credit Union	Pottsville, PA	$256M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Central State Federal Credit Union	Stockton, CA	$258M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Community Federal Credit Union	Fort Dodge, IA	$254M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Federal Credit Union	Kentwood, MI	$252M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Elevate Federal Credit Union	Brigham City, UT	$260M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Energy Capital Federal Credit Union	Houston, TX	$261M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Filer Federal Credit Union	Manistee, MI	$262M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gerber Federal Credit Union	Fremont, MI	$260M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ghs Federal Credit Union	Binghamton, NY	$253M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Gulf Coast Federal Credit Union	Corpus Christi, TX	$260M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hidden River Federal Credit Union	Pottsville, PA	$259M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Keys Federal Credit Union	Key West, FL	$253M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Landings Federal Credit Union	Tempe, AZ	$263M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Moog Employees Federal Credit Union	East Aurora, NY	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mygeorgia Federal Credit Union	Gainesville, GA	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Jersey Federal Credit Union	Totowa, NJ	$256M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Red Crown Federal Credit Union	Tulsa, OK	$257M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Heritage Federal Credit Union	Odessa, TX	$261M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Paul Federal Credit Union	Saint Paul, MN	$252M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Family Federal Credit Union	Davenport, IA	$253M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tremont Federal Credit Union	Boston, MA	$256M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Truchoice Federal Credit Union	Portland, ME	$257M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truecore Federal Credit Union	Newark, OH	$255M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Usx Federal Credit Union	Cranberry Twp, PA	$258M	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 · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $18.02 (258%) above the median of similar-sized credit unions.

Its published price is $25, against a peer median of $6.98 among 9 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

Highmark Federal Credit U…Peer (equal prices stack)Peer median

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.

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 Highmark 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: $423K
vs prior quarter: +$2K+0.5%; from Q1 2026
vs a year earlier: +$14K+3.4%; from Q2 2025
vs start of range: −$22K−4.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Highmark 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	$423K	+$2K	+0.5%
Q1 2026	$421K	−$6K	−1.4%
Q4 2025	$427K	−$19K	−4.3%
Q3 2025	$446K	+$37K	+9.0%
Q2 2025	$409K	+$56K	+15.9%
Q1 2025	$353K	−$52K	−12.8%
Q4 2024	$405K	−$40K	−9.0%
Q3 2024	$445K	−$1K	−0.2%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Service Fee$25
per month
Early Account Closing, within 6 months$25
Dormancy Fee$10
per month
Account Reconciliation, per hour ($10 min)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2

Overdraft & NSF

Courtesy Pay Fee$25
NSF Fee$25

ATM & Card

Out-of-Network ATM transactions$3
per item
Plastic Card Replacement$5
Emergency Card Replace/Rush Delivery$30

Wire Transfers

Wire Transfer, incomingNo charge

Check Services

Money Order, per each (max $1,000)$3
Stop Payment Fee, including CU Checks$30
Check Cashing, per payee, per visit$5
Collection Item, incoming or outgoing$15
Copy of Paid Check, per each$2
per item

Digital & Electronic

ACH Batch Fee, per batch$2.50

Cash & Deposit

Cash Advance Fee (Non-Highmark Card)$5
Deposit Item Returned$15.95

Account Services

Notary Service (members only)No charge
Drilling of Safe Deposit Box$125
Not compared: Box drilling or key fee
Late Payment of Annual Rent$5
Not compared: Box drilling or key fee
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$140
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$50
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$100
per year
Verification of Deposit, written$5

Gift & Prepaid Cards

VISA Gift Card, per each$3
per item

Other Fees

Overnight Delivery: Drawn on own account$35
Document Copy$5
Photocopy, per page$0.25
per item
Loan Payment Deferral or Skip Payment$35
Mortgage Payoff Statement$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$25	per month	None
Early Account Closing, within 6 months	$25	Not stated	None
Dormancy Fee	$10	per month	None
Account Reconciliation, per hour ($10 min)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$25	Not stated	None
NSF Fee	$25	Not stated	None
ATM & Card
Out-of-Network ATM transactions	$3	per item	None
Plastic Card Replacement	$5	Not stated	None
Emergency Card Replace/Rush Delivery	$30	Not stated	None
Wire Transfers
Wire Transfer, incoming	No charge	Not stated	None
Check Services
Money Order, per each (max $1,000)	$3	Not stated	None
Stop Payment Fee, including CU Checks	$30	Not stated	None
Check Cashing, per payee, per visit	$5	Not stated	None
Collection Item, incoming or outgoing	$15	Not stated	None
Copy of Paid Check, per each	$2	per item	None
Digital & Electronic
ACH Batch Fee, per batch	$2.50	Not stated	None
Cash & Deposit
Cash Advance Fee (Non-Highmark Card)	$5	Not stated	None
Deposit Item Returned	$15.95	Not stated	None
Account Services
Notary Service (members only)	No charge	Not stated	None
Drilling of Safe Deposit Box	$125Not compared: Box drilling or key fee	Not stated	None
Late Payment of Annual Rent	$5Not compared: Box drilling or key fee	per year	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$140	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$100	per year	None
Verification of Deposit, written	$5	Not stated	None
Gift & Prepaid Cards
VISA Gift Card, per each	$3	per item	None
Other Fees
Overnight Delivery: Drawn on own account	$35	Not stated	None
Document Copy	$5	Not stated	None
Photocopy, per page	$0.25	per item	None
Loan Payment Deferral or Skip Payment	$35	Not stated	None
Mortgage Payoff Statement	$10	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

Oct 5, 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 Highmark Federal Credit Union's foreign transaction changes in our data

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