Compared with Virginia
5 of 22
compared fees are above the median.
15 below, 2 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
40th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 22 compared; 15 below, 2 about the same
See the feesFee schedule read Oct 24, 2026
Call-report figures are for Apple 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 452 credit unions with $1B to $10B 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Apple 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
Fee income was 5.9% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (40th 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 $4.9M in Q2 2026, 11% above the same quarter a year earlier ($4.4M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 22 compared published fees sit above the Virginia median; 15 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 Virginia medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 12% from Q3 2025 to Q2 2026, to $4.9M. Its share of revenue, 5.9%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$4.9M
Apple 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $0 to $25; we compare the highest.
Apple Federal Credit Union · $5.7B 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 |
|---|---|---|---|---|---|---|---|
| Apple Federal Credit Union(this institution) | Fairfax, VA | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Plus Federal Credit Union | Saint Paul, MN | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Heritage Federal Credit Union | Philadelphia, PA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canvas Federal Credit Union | Lone Tree, CO | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chevron Federal Credit Union | Concord, CA | $5.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coastal Federal Credit Union | Raleigh, NC | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fairwinds Federal Credit Union | Orlando, FL | $5.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Chesterfield, MO | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Founders Federal Credit Union | Lancaster, SC | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Knoxville Tva Employees Federal Credit Union | Knoxville, TN | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Langley Federal Credit Union | Newport News, VA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Municipal Federal Credit Union | New York, NY | $5.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nusenda Federal Credit Union | Albuquerque, NM | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Farm Federal Credit Union | Bloomington, IL | $5.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Dow Employees Federal Credit Union | Lake Jackson, TX | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tower Federal Credit Union | Laurel, MD | $5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Truliant Federal Credit Union | Winston Salem, NC | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trustone Financial Federal Credit Union | Plymouth, MN | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Washington State Employees Federal Credit Union | Olympia, WA | $5.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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
Its published price is $0, against a peer median of $8 among 14 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
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 Apple 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 | $4.9M | −$5K | −0.1% |
| Q1 2026 | $4.9M | +$666K | +15.6% |
| Q4 2025 | $4.3M | −$152K | −3.4% |
| Q3 2025 | $4.4M | −$30K | −0.7% |
| Q2 2025 | $4.4M | −$77K | −1.7% |
| Q1 2025 | $4.5M | +$725K | +19.1% |
| Q4 2024 | $3.8M | +$177K | +4.9% |
| Q3 2024 | $3.6M | −$36K | −1.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Apple 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 Apple Federal Credit Union by share.
Amounts from Apple Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| No Overdraft Service | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Fee (Check) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft: Overdraft Penalty Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Option B: Overdraft Transfer Fee | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Apple ATM Transaction | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of Lost/Stolen Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wires | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (International) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on Official Teller Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Other Service Fees: Copy of Check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Rush Delivery (Bill Pay Check) | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Rush Delivery (Electronic Bill Pay) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| CO-OP ATM Return Check Deposits | $6Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Returned Deposit Item | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7 x 10 | $115Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Overnight Delivery Fee | $31.25Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Copy of Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Visa Credit Card Statement Copy | $5Not compared: Monthly charge, not per item | per month | None |
| Returned Loan Payment | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
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.
Where Apple Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
24 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
| Fairfax, VA | 5 |
| Falls Church, VA | 3 |
| Alexandria, VA | 2 |
| Manassas, VA | 2 |
| Woodbridge, VA | 2 |
| Ashburn, VA | 1 |
| Burke, VA | 1 |
| Centreville, VA | 1 |
Largest competitors nearby
Local market: Fairfax and Fairfax city counties, VA, around its headquarters.
| 55 in its local market | Deposit share |
|---|---|
| Capital One, National Association | 43.3% |
| Truist Bank | 13.4% |
| Wells Fargo Bank, National Association | 10.3% |
| Bank of America, National Association | 7.4% |
| United Bank | 4% |
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.