Compared with Washington
9 of 19
compared fees are above the median.
5 below, 5 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
72nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 19 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for America'S Credit Union, A, 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | America'S Credit Union, A's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (72nd 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 $1.2M in Q2 2026, 1.6% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 19 compared published fees sit above the Washington 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 Washington medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $30, the middle of its prices
Monthly Maintenance
Compared at $7, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.3% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 10%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.2M
America'S Credit Union, AMedian
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. *Monthly maintenance: Listed at $3.99 to $10.95; we compare the midpoint.
America'S Credit Union, A · $710M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| America'S Credit Union, A(this institution) | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abilene Teachers Federal Credit Union | Abilene, TX | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Copper State Federal Credit Union | Phoenix, AZ | $701M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Bragg Federal Credit Union | Fayetteville, NC | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Innovations Financial Federal Credit Union | Panama City, FL | $696M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Choice Federal Credit Union | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Umassfive College Federal Credit Union | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| We Florida Financial Federal Credit Union | Fort Lauderdale, FL | $700M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its five prices, against a peer median of $5 among 14 publishing peers.
Its five checking prices are $3.99, $7, $7, $8.95 and $10.95.
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
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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for America'S Credit Union, A (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 | $1.2M | +$65K | +5.6% |
| Q1 2026 | $1.2M | −$35K | −2.9% |
| Q4 2025 | $1.2M | −$46K | −3.7% |
| Q3 2025 | $1.2M | +$35K | +2.9% |
| Q2 2025 | $1.2M | +$79K | +7.0% |
| Q1 2025 | $1.1M | −$78K | −6.5% |
| Q4 2024 | $1.2M | −$39K | −3.1% |
| Q3 2024 | $1.2M | +$46K | +3.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, America'S Credit Union, A left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to America'S Credit Union, A by share.
Amounts from America'S Credit Union, A’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per item
per month
per month
per item
per item
per month
one time
per item
per transaction
per item
per item
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Affinity Plus Checking Monthly Service Charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Community Checking Monthly Service Charge. Available through Certified Financial Counseling Agencies | $3.99Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $10.95Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Opportunity Checking has a monthly fee | $8.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within 3 months of opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Checking Account Closure Fee. Initiated by Credit Union | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Checking Account Closure Fee. With outstanding items | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee. Monthly fee on dormant accounts; no account activity for over 1 year | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research Fee | $25Not compared: Monthly charge, not per item | per month | None |
| Locator Fee. Research work for locating membership. Per occurrence | $15Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Paper Statement Fee. Per statement cycle | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail Fee. Per month | $9.95Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee per occurrence. Check draft, in-person withdrawal, ATM withdrawal, or other electronic means | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Check Fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee – All Checking Account Programs | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee. Per occurrence | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Transfer Fee. From any share account to cover an overdraft | $5Not compared: Monthly charge, not per item | per month | None |
ATM & Card | |||
| Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Transaction | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Money Wire Service. Outgoing – Financial Institution to Financial Institution | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Money Order Purchase Fee. Money Order valid for 3 months | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH and Bill Payment One Time Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | one time | None |
| Credit Union/Money Order Stop Payment Fee. Valid for 6 months or until canceled per order | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Loan Pay – Online Services (not bill pay) | $10Not compared: Per-transaction charge, not monthly | per transaction | None |
Cash & Deposit | |||
| Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Fee, Member | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Fee, Non-Member, per stamp | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| FOREIGN CURRENCY FEES | 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Replacement Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Legal Action Fee. Processing for garnishments, levies and all other legal actions served. Per item | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late Payment | $40Above the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Other Fees | |||
| Photocopy Fee | $1Not compared: Monthly charge, not per item | per month | None |
| Price varies: Facsimile (fax). Per page, local | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Modification Fee. Per occurrence | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-A-Payment Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 18, 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 America'S Credit Union, A operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
10 of 12 offices on the map.
Cities with the most offices
| Jblm, WA | 2 |
| Yelm, WA | 2 |
| Dupont, WA | 1 |
| Graham, WA | 1 |
| Lacey, WA | 1 |
| Lakewood, WA | 1 |
| Spanaway, WA | 1 |
| Tacoma, WA | 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.