Compared with Arizona
12 of 20
compared fees are above the median.
4 below, 4 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
97th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Arizona median
of 20 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Banner 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 2,932 credit unions with under $300M 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 Arizona median | Published fees above the Arizona median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Banner Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 23% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (97th 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 $224K in Q2 2026, 2.8% above the same quarter a year earlier ($218K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 20 compared published fees sit above the Arizona median; 4 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 Arizona medians for fees published by banks and credit unions.
Monthly Maintenance
Protection Plus Checking $2.50 · Pulse Checking $5 · Opportunity Checking $5 to $15
Compared at $5, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Arizona, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $224K. Its share of revenue, 23%, is above the 7.2% median for credit unions with under $300M in assets.
$224K
Banner 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2.50 to $15; we compare the midpoint.
Banner Federal Credit Union · $65M 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 |
|---|---|---|---|---|---|---|---|
| Banner Federal Credit Union(this institution) | Phoenix, AZ | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.B.D. Federal Credit Union | Warren, MI | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bopti Federal Credit Union | San Pedro, CA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cranberry Federal Credit Union | West Wareham, MA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Richmond Incorporat | Richmond, VA | $65M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Destinations Credit Union | Baltimore, MD | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Doches Federal Credit Union | Nacogdoches, TX | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eagle Express Federal Credit Union | Jackson, MS | $67M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Federated Employees Federal Credit Union | Owatonna, MN | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fort Billings Federal Credit Union | Paulsboro, NJ | $64M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gp Louisiana Federal Credit Union | Zachary, LA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Financial Federal Credit Union | New Haven, CT | $64M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincoln Park Community Federal Credit Union | Lincoln Park, MI | $63M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lion'S Share Federal Credit Union | Salisbury, NC | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Madison Federal Credit Union | Madison, WI | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Millard County Federal Credit Union | Fillmore, UT | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morehead Community Federal Credit Union | Morehead, KY | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| One Vision Federal Credit Union | Clarksville, IN | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rimrock Federal Credit Union | Billings, MT | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Valley Community Federal Credit Union | Camden, AR | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rolling F Federal Credit Union | Turlock, CA | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sacred Heart Parish Hallettsville Federal Credit Union | Hallettsville, TX | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shell Western States Federal Credit Union | Martinez, CA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Bend Firefighters Federal Credit Union | South Bend, IN | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spokane City Federal Credit Union | Spokane, WA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Employees Federal Credit Union | Albert Lea, MN | $66M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its four prices, against a peer median of $5 among 8 publishing peers.
Its four checking prices are $2.50, $5, $5 and $15.
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
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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Banner 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 | $224K | +$7K | +3.2% |
| Q1 2026 | $217K | −$11K | −4.8% |
| Q4 2025 | $228K | +$2K | +0.9% |
| Q3 2025 | $226K | +$8K | +3.7% |
| Q2 2025 | $218K | +$6K | +2.8% |
| Q1 2025 | $212K | −$23K | −9.8% |
| Q4 2024 | $235K | −$6K | −2.5% |
| Q3 2024 | $241K | +$3K | +1.3% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Banner 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 Banner Federal Credit Union by share.
Amounts from Banner Federal Credit Union’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 quarter
per month
per hour
per item
per day
per item
per item
per item
per item
per item
per item
per item
per page · Notary Fee …………………………….$10.00 per Page
per item
per item
per item
per item
one time
per item
per month
per month
one time
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Opportunity Checking Monthly service charge (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Opportunity Checking Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Protection Plus Checking Monthly service charge (audience not stated, treated as personal) | $2.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Pulse Checking Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Escheated Account Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Balancing Assistance | $20Inside the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
| Research/Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Advance Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Check Fee (Own Item) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement Fee (Normal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Card Delivery | $60Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $18Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Trans. (Intern. Outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Check | $20Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check 1 | No chargeNot compared: Daily charge, not per item | per day | None |
| Stop Payment Official Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments Debit, ACH, Personal Check | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (Banner Only) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing (Banner Only) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Outgoing Transfer Overnight Bill Payment Fee | $14.95Not compared: Per-item charge, not monthly | per item | None |
| Overnight Bill Payment Fee | $14.95Not compared: Per-item charge, not monthly | per item | None |
| POPMONEY-Bill Pay | $0.50Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Non-Member Fees Notary Fee | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Fee | $10Not compared: Charged per page; comparison unavailable | per page | Notary Fee …………………………….$10.00 per Page |
| Notary Fee | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Fee (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary/ Medallion Signature Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnish & Levy Fee | $150Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Share Certificates | Subordination Agreement Processing | $25Not compared: CD/IRA fee | per item | None |
| Account Verification (VOD) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | one time | None |
Vehicle & Title | |||
| Vehicle Title | $15Inside the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Fee . | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Monthly Statement Reprint Fee | $3Not compared: Monthly charge, not per item | per month | None |
| Monthly Statement Reprint Fee | $3Not compared: Monthly charge, not per item | per month | None |
| Application Fee (home equity line of credit or closed-end second mortgage) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Loan Skip-a-Pay Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
Oct 6, 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 Banner Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Mesa, AZ | 2 |
| Phoenix, AZ | 2 |
| Glendale, AZ | 1 |
Largest competitors nearby
Local market: Maricopa county, AZ, around its headquarters.
| 70 in its local market | Deposit share |
|---|---|
| Western Alliance Bank | 27.3% |
| JPMorgan Chase Bank, National Association | 20.2% |
| Bank of America, National Association | 16.2% |
| Wells Fargo Bank, National Association | 14.9% |
| PNC Bank, National Association | 2.4% |
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.