19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
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 Nov 2, 2026
Call-report figures are for Midcoast 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. | Midcoast Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $452K in Q2 2026, about level with the same quarter a year earlier ($454K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $28, its standard fee, the highest of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Fee income fell 2.6% from Q3 2025 to Q2 2026, to $452K.
$452K
Midcoast Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Midcoast Federal Credit Union · $267M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Midcoast Federal Credit Union(this institution) | Freeport, ME | $267M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aneca Federal Credit Union | Shreveport, LA | $274M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Auburn University Federal Credit Union | Auburn, AL | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Department Of The Interior Federal Credit Union | Washington, DC | $268M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elevate Federal Credit Union | Brigham City, UT | $260M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gold Coast Federal Credit Union | Palm Springs, FL | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Federal Credit Union | Corpus Christi, TX | $260M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illiana Financial Federal Credit Union | Calumet City, IL | $264M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Landings Federal Credit Union | Tempe, AZ | $263M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Long Beach City Employees Federal Credit Union | Signal Hill, CA | $271M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marshland Federal Credit Union | Brunswick, GA | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Trust Of The Southwest Federal Credit Union | Houston, TX | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Community Federal Credit Union | Defiance, OH | $267M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnequa Works Federal Credit Union | Pueblo, CO | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Niagara'S Choice Federal Credit Union | Niagara Falls, NY | $265M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North Central Area Federal Credit Union | Houghton Lake, MI | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| One Federal Credit Union | Springfield, VT | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| People'S Community Federal Credit Union | Vancouver, WA | $269M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puget Sound Cooperative Federal Credit Union | Bellevue, WA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saint Lawrence Federal Credit Union | Ogdensburg, NY | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Service One Federal Credit Union | Bowling Green, KY | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Southwest Heritage Federal Credit Union | Odessa, TX | $261M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spc Federal Credit Union | Hartsville, SC | $266M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Weststar Federal Credit Union | Las Vegas, NV | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.98 among 9 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
Midcoast 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 Midcoast 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 | $452K | +$15K | +3.4% |
| Q1 2026 | $437K | −$10K | −2.2% |
| Q4 2025 | $447K | −$17K | −3.7% |
| Q3 2025 | $464K | +$10K | +2.2% |
| Q2 2025 | $454K | +$33K | +7.8% |
| Q1 2025 | $421K | −$58K | −12.1% |
| Q4 2024 | $479K | +$25K | +5.5% |
| Q3 2024 | $454K | +$12K | +2.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Midcoast Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance (audience not stated, treated as personal) | $5 | per month | None |
| Early Account Closure (Within 6 months of opening) | $5 | Not stated | None |
| Account Inactivity (After 12 months) | $5 | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Incorrect Address – Returned Correspondence | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| ATM overdraft charge | $28 | per item | None |
| Overdraft (OD) (audience not stated, treated as personal) | No charge | Not stated | None |
| Overdraft Fee | $28 | Not stated | None |
| Nonsufficient funds fee | $28 | per item | None |
| Nonsufficient funds fee (VISA ATM) | $28 | per item | None |
| Overdraft Transfer from Another Source | $5 | per item | None |
ATM & Card | |||
| VISA ATM/Debit Card Replacement | $10 | per item | None |
| Foreign transactions | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic | $10 | Not stated | None |
| Incoming Wire | $10 | per item | None |
| Wire Transfer International | $25 | Not stated | None |
Check Services | |||
| Money Order & Corporate Draft (audience not stated, treated as personal) | $2 | per item | None |
| ACH, Money Order & Corporate Check Stop Payment | $20 | per item | None |
| Stop Payment Request | $10 | per item | None |
| Counter Checks (4 per sheet) | $2 | per item | None |
| Non-Member Check Cashing (audience not stated, treated as personal) | $5 | per item | None |
| Check Copy | $5 | per item | None |
| Money Order & Corporate Draft Copy (audience not stated, treated as personal) | $10 | per item | None |
Cash & Deposit | |||
| Deposited Check Return | $10 | per item | None |
Account Services | |||
| Non-Member Notary Fee (audience not stated, treated as personal) | $20 | Not stated | None |
| Drilled Box (audience not stated, treated as personal) | $250Not compared: Box drilling or key fee | per item | None |
| Replacement Key (audience not stated, treated as personal) | $100Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $110 | per year | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $75 | per year | None |
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $40 | per year | None |
| Account Research/Legal Processing | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Mini-Statement Copy (Account History) | $3 | per item | None |
| Statement Copy | $5 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 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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