Cedar Point Federal Credit Union

Headquarters: Lexington Park, Maryland
Charter: Credit Union
Assets: $905.8M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Oct 6, 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 6, 2026

How these figures are measured

Call-report figures are for Cedar Point 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.	Cedar Point Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Cedar Point 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 $1.7M in Q2 2026, 33% below the same quarter a year earlier ($2.5M).
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.

Non-Network ATM
Cedar Point Federal Credit Union: $1
Cedar Point Federal Credit Union: $1
U.S. median: no median
Stop Payment
Cedar Point Federal Credit Union: $25
Cedar Point Federal Credit Union: $25
U.S. median: no median
Debit Card Replacement
Cedar Point Federal Credit Union: $7
Cedar Point Federal Credit Union: $7
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, 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).
Maryland: Banks and credit unions headquartered in Maryland 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 fell 3.2% from Q3 2025 to Q2 2026, to $1.7M.

Fee income, Q2 2026

$1.7M

$1.7MQ3 2025

$1.6MQ4 2025

$2.0MQ1 2026

$1.7MQ2 2026

Against the median

Cedar Point 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

Cedar Point Federal Credit Union · $906M 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 17 states.

Credit unions only
$873M to $939M in assets
Headquartered in 17 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
Cedar Point Federal Credit Union(this institution)	Lexington Park, MD	$906M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Abnb Federal Credit Union	Chesapeake, VA	$914M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
All One Federal Credit Union	Leominster, MA	$881M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Campus Federal Credit Union	Baton Rouge, LA	$936M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Certified Federal Credit Union	El Monte, CA	$925M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Choice Federal Credit Union	Johnston, IA	$923M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Community First Federal Credit Union	Santa Rosa, CA	$921M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Resource Federal Credit Union	Baytown, TX	$930M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Communitywide Federal Credit Union	South Bend, IN	$874M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Day Air Federal Credit Union	Kettering, OH	$909M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gather Federal Credit Union	Lihue, HI	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Granite Federal Credit Union	Salt Lake City, UT	$918M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hoosier Hills Federal Credit Union	Bedford, IN	$938M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hope Federal Credit Union	Jackson, MS	$881M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members First Federal Credit Union	Midland, MI	$905M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Merced School Employees Federal Credit Union	Merced, CA	$899M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
N C P D Federal Credit Union	Plainview, NY	$909M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Numark Federal Credit Union	Joliet, IL	$932M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nutmeg State Financial Federal Credit Union	Rocky Hill, CT	$916M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oceanair Federal Credit Union	Oxnard, CA	$882M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pelican Federal Credit Union	Baton Rouge, LA	$885M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pfcu Federal Credit Union	Portland, MI	$873M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Qualstar Federal Credit Union	Bothell, WA	$939M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sun Community Federal Credit Union	El Centro, CA	$896M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sun East Federal Credit Union	Aston, PA	$909M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Bay Federal Credit Union	Houston, TX	$905M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $7.95 among 13 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

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

Cedar Point Federal Credi…Peer (equal prices stack)Peer median

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 Cedar Point 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: $1.7M
vs prior quarter: −$295K−15.1%; from Q1 2026
vs a year earlier: −$823K−33.1%; from Q2 2025
vs start of range: +$919K+124.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Cedar Point 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	$1.7M	−$295K	−15.1%
Q1 2026	$2.0M	+$335K	+20.7%
Q4 2025	$1.6M	−$95K	−5.5%
Q3 2025	$1.7M	−$768K	−30.9%
Q2 2025	$2.5M	+$2.0M	+385.9%
Q1 2025	$511K	−$236K	−31.6%
Q4 2024	$747K	+$6K	+0.8%
Q3 2024	$741K	+$52K	+7.5%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Insufficient/Incorrect Address$1

ATM & Card

Transaction at non-CPFCU ATM$1
per transaction
Card Replacement Fee$7
per item
Rush Order Fee$29.50

Check Services

VISA Debit Card, ATM, Gift Card Fees: Stop Payment Fee$25
per item
Foreign Check Fee$22

Account Services

Notary Fee$5
per item
Safe Deposit Box 10 x 10 – Extra Large$135
per year
Safe Deposit Box 3 x 10 – Medium$60
per year
Safe Deposit Box 3 x 5 – Small$35
per year
Safe Deposit Box 5 x 10 – Large$85
per year
Garnishment Processing Fee$100
per transaction
Tax Levy Processing Fee$100
per item

Other Fees

Fax Service Fee$2
Not compared: Charged per page; comparison unavailable
per page
Statement Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Insufficient/Incorrect Address	$1	Not stated	None
ATM & Card
Transaction at non-CPFCU ATM	$1	per transaction	None
Card Replacement Fee	$7	per item	None
Rush Order Fee	$29.50	Not stated	None
Check Services
VISA Debit Card, ATM, Gift Card Fees: Stop Payment Fee	$25	per item	None
Foreign Check Fee	$22	Not stated	None
Account Services
Notary Fee	$5	per item	None
Safe Deposit Box 10 x 10 – Extra Large	$135	per year	None
Safe Deposit Box 3 x 10 – Medium	$60	per year	None
Safe Deposit Box 3 x 5 – Small	$35	per year	None
Safe Deposit Box 5 x 10 – Large	$85	per year	None
Garnishment Processing Fee	$100	per transaction	None
Tax Levy Processing Fee	$100	per item	None
Other Fees
Fax Service Fee	$2Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy Fee	$5	per item	None

Account Maintenance

Inactive Account Fee$7
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$10

Overdraft & NSF

Paid Overdraft Fee$20
per item
Nonsufficient Funds$35
per transaction

Check Services

Official/Teller Check Fee$2
Check Copy$3
per item

Cash & Deposit

Deposited Item Return Fee$10
Returned Item Fee$20
per item

Account Services

3 x 10 – Medium$60
per year
3 x 5 – Small$35
per year
5 x 10 – Large$85
per year
Checking Account Fees: 10 x 10 – Extra Large$135
per year
Verification of Deposit$25
per transaction

Gift & Prepaid Cards

Visa Gift Card Fee$2

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee	$7	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$10	Not stated	None
Overdraft & NSF
Paid Overdraft Fee	$20	per item	None
Nonsufficient Funds	$35	per transaction	None
Check Services
Official/Teller Check Fee	$2	Not stated	None
Check Copy	$3	per item	None
Cash & Deposit
Deposited Item Return Fee	$10	Not stated	None
Returned Item Fee	$20	per item	None
Account Services
3 x 10 – Medium	$60	per year	None
3 x 5 – Small	$35	per year	None
5 x 10 – Large	$85	per year	None
Checking Account Fees: 10 x 10 – Extra Large	$135	per year	None
Verification of Deposit	$25	per transaction	None
Gift & Prepaid Cards
Visa Gift Card Fee	$2	Not stated	None

Correct a fee source

Oct 6, 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 Cedar Point Federal Credit Union's early account closure changes in our data

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