Otis Federal Credit Union

Headquarters: Jay, Maine
Charter: Credit Union
Assets: $300.3M
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Oct 24, 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 24, 2026

How these figures are measured

Call-report figures are for Otis 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.	Otis Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 24, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Otis 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 $255K in Q2 2026, 13% below the same quarter a year earlier ($293K).
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)
Otis Federal Credit Union: $25
Otis Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Compared at $0.38, the middle of its prices
Otis Federal Credit Union: $0 to $0.75
Otis Federal Credit Union: $0 to $0.75
U.S. median: no median
Wire Transfer (Domestic Out)
Otis Federal Credit Union: $15
Otis Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 24, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, the Boston 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).
Maine: Banks and credit unions headquartered in Maine that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 1.9% from Q3 2025 to Q2 2026, to $255K.

Fee income, Q2 2026

$255K

$260KQ3 2025

$260KQ4 2025

$237KQ1 2026

$255KQ2 2026

Against the median

Otis 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

Otis Federal Credit Union · $300M 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
$288M to $311M 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
Otis Federal Credit Union(this institution)	Jay, ME	$300M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Community Federal Credit Union	Sparta, WI	$288M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Plus Federal Credit Union	Pocatello, ID	$292M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alive Federal Credit Union	Jacksonville, FL	$296M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bangor Federal Credit Union	Bangor, ME	$293M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bowater Employees Federal Credit Union	Calhoun, TN	$303M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bronco Federal Credit Union	Franklin, VA	$292M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Heritage Federal Credit Union	Pittsburgh, PA	$289M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross Valley Federal Credit Union	Wilkes Barre, PA	$300M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Holyoke Federal Credit Union	Holyoke, MA	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Homebase Federal Credit Union	Prince George, VA	$298M	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
Jetstream Federal Credit Union	Miami Lakes, FL	$307M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kalsee Federal Credit Union	Kalamazoo, MI	$292M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Loyalty Federal Credit Union	Pensacola, FL	$300M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Maine Family Federal Credit Union	Lewiston, ME	$288M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Membersalliance Federal Credit Union	Rockford, IL	$304M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mtc Federal Credit Union	Greenville, SC	$303M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Horizons Federal Credit Union	Mobile, AL	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peninsula Community Federal Credit Union	Shelton, WA	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$308M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tct Federal Credit Union	Ballston Spa, NY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Federal Credit Union	Mexico, MO	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Communities Federal Credit Union	Mosinee, WI	$307M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Zia Federal Credit Union	Los Alamos, NM	$308M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $6.75 among 10 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Otis Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Otis 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: $255K
vs prior quarter: +$18K+7.6%; from Q1 2026
vs a year earlier: −$38K−13.0%; from Q2 2025
vs start of range: −$29K−10.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Otis 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	$255K	+$18K	+7.6%
Q1 2026	$237K	−$23K	−8.8%
Q4 2025	$260K	$0	0.0%
Q3 2025	$260K	−$33K	−11.3%
Q2 2025	$293K	+$34K	+13.1%
Q1 2025	$259K	−$33K	−11.3%
Q4 2024	$292K	+$8K	+2.8%
Q3 2024	$284K	+$31K	+12.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closure$25
Account Inactivity (after 12 months)$2
per month
Account Research hourly fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

OTIS Overdraft Privilege (Paid) Personal Accounts Only$25
per item
Overdraft TransferNo charge

ATM & Card

ATM SurchargeNo charge
Non-OTIS ATM Withdrawal$0.75
per item
Instant Issue Replacement Card Fee$10
Mail Replacement Card Fee$10
Replacement Card Rush Fee$50
per item

Wire Transfers

Wire Transfer (Outgoing – US)$15
Wire Transfer (Incoming)No charge
Wire Transfer (Outgoing – Foreign)$40

Check Services

Money Order$1
per item
Stop Payment: Personal$20
per item
Over-the-Counter Checks$1
Foreign Item Processing$20
per item
Check Copy$2
per item
Corporate Check/Money Order Copy$4
per item

Digital & Electronic

In-House Bill Payer Check Personal Accounts Only$2
Not compared: Per-item charge, not monthly
per item
Online Bill PayNo charge

Cash & Deposit

Deposited Item Return$10
per item

Account Services

Notary Members OnlyNo charge
Safe Deposit Box Drilling$350
Not compared: Box drilling or key fee
Safe Deposit Box Key Replacement$25
Not compared: Box drilling or key fee
per item
Legal Process$25
Not compared: Charged per hour; comparison unavailable
per hour · Legal Process | $25.00/hour + Account Research hourly fee

Gift & Prepaid Cards

Gift Cards$2.50
per item

Other Fees

Fax$1
Not compared: Charged per page; comparison unavailable
per page
Photocopy$0.50
Not compared: Charged per page; comparison unavailable
per page · Photocopy | $0.50/page
Statement Copy: Personal$1
per item
Loan Payoff RequestNo charge
Skip-A-Payment$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$25	Not stated	None
Account Inactivity (after 12 months)	$2	per month	None
Account Research hourly fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
OTIS Overdraft Privilege (Paid) Personal Accounts Only	$25	per item	None
Overdraft Transfer	No charge	Not stated	None
ATM & Card
ATM Surcharge	No charge	Not stated	None
Non-OTIS ATM Withdrawal	$0.75	per item	None
Instant Issue Replacement Card Fee	$10	Not stated	None
Mail Replacement Card Fee	$10	Not stated	None
Replacement Card Rush Fee	$50	per item	None
Wire Transfers
Wire Transfer (Outgoing – US)	$15	Not stated	None
Wire Transfer (Incoming)	No charge	Not stated	None
Wire Transfer (Outgoing – Foreign)	$40	Not stated	None
Check Services
Money Order	$1	per item	None
Stop Payment: Personal	$20	per item	None
Over-the-Counter Checks	$1	Not stated	None
Foreign Item Processing	$20	per item	None
Check Copy	$2	per item	None
Corporate Check/Money Order Copy	$4	per item	None
Digital & Electronic
In-House Bill Payer Check Personal Accounts Only	$2Not compared: Per-item charge, not monthly	per item	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited Item Return	$10	per item	None
Account Services
Notary Members Only	No charge	Not stated	None
Safe Deposit Box Drilling	$350Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Key Replacement	$25Not compared: Box drilling or key fee	per item	None
Legal Process	$25Not compared: Charged per hour; comparison unavailable	per hour	Legal Process \| $25.00/hour + Account Research hourly fee
Gift & Prepaid Cards
Gift Cards	$2.50	per item	None
Other Fees
Fax	$1Not compared: Charged per page; comparison unavailable	per page	None
Photocopy	$0.50Not compared: Charged per page; comparison unavailable	per page	Photocopy \| $0.50/page
Statement Copy: Personal	$1	per item	None
Loan Payoff Request	No charge	Not stated	None
Skip-A-Payment	$25	Not stated	None

Correct a fee source

Oct 24, 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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