Access Federal Credit Union

Headquarters: Clinton, New York
Charter: Credit Union
Assets: $320.1M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 14, 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 14, 2026

How these figures are measured

Call-report figures are for Access 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.	Access Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Access 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 $258K in Q2 2026, about level with the same quarter a year earlier ($258K).
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)
Access Federal Credit Union: $25
Access Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Access Federal Credit Union: $15 to $25
Access Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Access Federal Credit Union: $1 to $10
Access Federal Credit Union: $1 to $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 was about level from Q3 2025 to Q2 2026, at $258K.

Fee income, Q2 2026

$258K

$260KQ3 2025

$252KQ4 2025

$247KQ1 2026

$258KQ2 2026

Against the median

Access 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

Access Federal Credit Union · $320M 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 19 states.

Credit unions only
$311M to $329M in assets
Headquartered in 19 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
Access Federal Credit Union(this institution)	Clinton, NY	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
360 Federal Credit Union	Windsor Locks, CT	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dannemora Federal Credit Union	Plattsburgh, NY	$320M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Downey Federal Credit Union	Downey, CA	$328M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Evolve Federal Credit Union	El Paso, TX	$323M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fall River Municipal Federal Credit Union	Fall River, MA	$316M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Glass City Federal Credit Union	Maumee, OH	$326M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harvesters Federal Credit Union	Cantonment, FL	$317M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrepid Federal Credit Union	Helena, MT	$311M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lookout Federal Credit Union	Pocatello, ID	$314M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members1St Community Federal Credit Union	Marshalltown, IA	$311M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnesota Valley Federal Credit Union	Mankato, MN	$329M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nebraska Energy Federal Credit Union	Columbus, NE	$328M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Plus Federal Credit Union	Everett, WA	$315M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oc Federal Credit Union	Garfield Hts, OH	$315M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pacific N W Federal Credit Union	Portland, OR	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
People'S Alliance Federal Credit Union	Hauppauge, NY	$322M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Preferred Federal Credit Union	Grand Rapids, MI	$318M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Riverfront Federal Credit Union	Wyomissing, PA	$320M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Riverland Federal Credit Union	New Orleans, LA	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Secny Federal Credit Union	Syracuse, NY	$323M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Soo Co-Op Federal Credit Union	Sault Sainte Marie, MI	$324M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ume Federal Credit Union	Burbank, CA	$328M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Teletech Financial Federal Credit Union	Tinton Falls, NJ	$328M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vacationland Federal Credit Union	Sandusky, OH	$327M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Vapr Federal Credit Union	San Juan, PR	$316M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	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.

Fee type

Peer pricing snapshot

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

The peer median is $5 among 15 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

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

Access Federal Credit Uni…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 Access 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: $258K
vs prior quarter: +$11K+4.5%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: +$2K+0.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Access 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	$258K	+$11K	+4.5%
Q1 2026	$247K	−$5K	−2.0%
Q4 2025	$252K	−$8K	−3.1%
Q3 2025	$260K	+$2K	+0.8%
Q2 2025	$258K	+$5K	+2.0%
Q1 2025	$253K	$0	0.0%
Q4 2024	$253K	−$3K	−1.2%
Q3 2024	$256K	+$8K	+3.2%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Holiday Club Early Closure$5
Dormant Account Fee (annual)$5
Not compared: Annual charge, not monthly
per year
Inactive Share Fee (monthly)$5
per month

Overdraft & NSF

Courtesy Pay Fee$25
Bill Payment Insufficient Funds Surcharge (each item)$15
per item
Insufficient Funds (each item)$25
per item

ATM & Card

Inquiries at Non ACCESS FCU ATMs (each)$1
per item
Non-Network ATM$10
per item
Withdrawals at Non ACCESS FCU ATMsWithdrawals at Non ACCESS FCU ATMs (each)$1
per item
Card Replacement$10
Rush Card Replacement Fee$55
per item
Rush Card Replacement Fee$50

Wire Transfers

Domestic Wire Transfer (outgoing)$15
Domestic Wire Transfers (incoming)No charge
Foreign Wire Transfer (outgoing)$35
Foreign Wire Transfer (incoming)$35

Check Services

Cancellation of Official Check$10
Official Checks (1 complimentary check per day)$1
Not compared: Daily charge, not per item
per day
Official Checks (Minimum face value: $1,000)$1
Money Orders (Maximum face value: $1,000)$1
Stop Payment on Draft$10
Check Collection Fee$20
Foreign Check Fee$25
Photo Copy of Draft (each)$3
per item

Digital & Electronic

ACCESS-A-Bill (Bill Payment Service - per month)No charge
per month

Cash & Deposit

Coin Machine20%

Account Services

Notary Public (per Notary Act)$2
per item
Levy or Restraint Maintenance$50

Lending Fees

Loan Cancellation$15

Other Fees

Copy of Prior Month's Statement (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Holiday Club Early Closure	$5	Not stated	None
Dormant Account Fee (annual)	$5Not compared: Annual charge, not monthly	per year	None
Inactive Share Fee (monthly)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$25	Not stated	None
Bill Payment Insufficient Funds Surcharge (each item)	$15	per item	None
Insufficient Funds (each item)	$25	per item	None
ATM & Card
Inquiries at Non ACCESS FCU ATMs (each)	$1	per item	None
Non-Network ATM	$10	per item	None
Withdrawals at Non ACCESS FCU ATMsWithdrawals at Non ACCESS FCU ATMs (each)	$1	per item	None
Card Replacement	$10	Not stated	None
Rush Card Replacement Fee	$55	per item	None
Rush Card Replacement Fee	$50	Not stated	None
Wire Transfers
Domestic Wire Transfer (outgoing)	$15	Not stated	None
Domestic Wire Transfers (incoming)	No charge	Not stated	None
Foreign Wire Transfer (outgoing)	$35	Not stated	None
Foreign Wire Transfer (incoming)	$35	Not stated	None
Check Services
Cancellation of Official Check	$10	Not stated	None
Official Checks (1 complimentary check per day)	$1Not compared: Daily charge, not per item	per day	None
Official Checks (Minimum face value: $1,000)	$1	Not stated	None
Money Orders (Maximum face value: $1,000)	$1	Not stated	None
Stop Payment on Draft	$10	Not stated	None
Check Collection Fee	$20	Not stated	None
Foreign Check Fee	$25	Not stated	None
Photo Copy of Draft (each)	$3	per item	None
Digital & Electronic
ACCESS-A-Bill (Bill Payment Service - per month)	No charge	per month	None
Cash & Deposit
Coin Machine	20%	Not stated	None
Account Services
Notary Public (per Notary Act)	$2	per item	None
Levy or Restraint Maintenance	$50	Not stated	None
Lending Fees
Loan Cancellation	$15	Not stated	None
Other Fees
Copy of Prior Month's Statement (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 14, 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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