Compared with Maryland
2 of 10
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
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
92nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 10 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 6, 2026
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) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Maryland median | Published fees above the Maryland 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
Fee income was 16% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (92nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
2 of 10 compared published fees sit above the Maryland median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maryland medians for fees published by banks and credit unions.
Non-Network ATM
Stop Payment
Debit Card Replacement
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.
Fee income fell 3.2% from Q3 2025 to Q2 2026, to $1.7M. Its share of revenue, 16%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.7M
Cedar Point Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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 Cedar Point 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 | $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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Cedar Point Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Cedar Point Federal Credit Union by share.
Amounts from Cedar Point Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per year
per year
per year
per year
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Insufficient/Incorrect Address | $1Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| Transaction at non-CPFCU ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Card Replacement Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Order Fee | $29.50Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| VISA Debit Card, ATM, Gift Card Fees: Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Fee | $22Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box 10 x 10 – Extra Large | $135Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 – Medium | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 – Small | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 – Large | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment Processing Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | per transaction | None |
| Tax Levy Processing Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Fax Service Fee | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| 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 |
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.
Where Cedar Point Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Lexington Park, MD | 2 |
| Charlotte Hall, MD | 1 |
| Leonardtown, MD | 1 |
| Prince Frederick, MD | 1 |
| Waldorf, MD | 1 |
Largest competitors nearby
Local market: St. Mary's county, MD, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 27.8% |
| Shore United Bank, National Association | 26.6% |
| Bank of America, National Association | 14.8% |
| WesBanco Bank, Inc. | 14.3% |
| Truist Bank | 12.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.