Compared with Wyoming
3 of 17
compared fees are above the median.
12 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
15th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wyoming median
of 17 compared; 12 below, 2 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for A.C.P.E. 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 Wyoming median | Published fees above the Wyoming median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | A.C.P.E. Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (15th 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 $28K in Q2 2026, 15% below the same quarter a year earlier ($33K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 17 compared published fees sit above the Wyoming median; 12 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 Wyoming medians for fees published by banks and credit unions.
Monthly Maintenance
Dormant Account Fees Structure
Overdraft (OD)
NSF / Returned Item
Compared at $27.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Wyoming, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 13% from Q3 2025 to Q2 2026, to $28K. Its share of revenue, 2.5%, is below the 7.2% median for credit unions with under $300M in assets.
$28K
A.C.P.E. 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.
A.C.P.E. Federal Credit Union · $78M in assets
Credit unions under $300M in assets that publish fees
Credit unions in the same asset-size band that publish fees, for comparing published prices. Not local competitors: they're spread over 53 states. A pricing set: it is not the financial cohort under Financial performance, which is drawn from Call Report filings in the band.
Showing the 50 closest in assets of 1,583 peers; medians use all 1,583.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| A.C.P.E. Federal Credit Union(this institution) | Laramie, WY | $78M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay Cities Credit Union | Hayward, CA | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Baylor Health Care System Federal Credit Union | Dallas, TX | $81M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cal State L.A. Federal Credit Union | Los Angeles, CA | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Camc Federal Credit Union | Charleston, WV | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Castparts Employees Federal Credit Union | Portland, OR | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chattanooga Federal Employees | Chattanooga, TN | $76M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Churchill County Federal Credit Union | Fallon, NV | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Columbine Federal Credit Union | Centennial, CO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cranston Municipal Employees Federal Credit Union | Cranston, RI | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union of Atlanta | Atlanta, GA | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Daviess County Teachers Federal Credit Union | Owensboro, KY | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Des Moines Metro Federal Credit Union | Des Moines, IA | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Diamond Lakes Federal Credit Union | Malvern, AR | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dillon Federal Credit Union | Hutchinson, KS | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastmill Federal Credit Union | East Millinocket, ME | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Eaton Family Federal Credit Union | Euclid, OH | $78M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Community Federal Credit Union | Springfield, MO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Enbright Federal Credit Union | Nashville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Evergreendirect Federal Credit Union | Tumwater, WA | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fannin Federal Credit Union | Bonham, TX | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ficare Federal Credit Union | Wesley Chapel, FL | $77M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Foundation Federal Credit Union | Springfield, MO | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freestone Federal Credit Union | Teague, TX | $77M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| G.A.P. Federal Credit Union | Johnstown, PA | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greater Metro Federal Credit Union | Long Island City, NY | $77M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Pittsburgh Federal Credit Union | Pittsburgh, PA | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hawaii Schools Federal Credit Union | Honolulu, HI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Health Care Family Federal Credit Union | Saint Louis, MO | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kahului Federal Credit Union | Kahului, HI | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Kbr Heritage Federal Credit Union | Houston, TX | $76M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kemba Roanoke Federal Credit Union | Salem, VA | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Federal Credit Union | Saint Louis, MO | $76M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Federal Credit Union | Arlington Heights, IL | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Miami University Community Federal Credit Union | Oxford, OH | $77M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Coalition Of Labor Federal Credit Union | Countryside, IL | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Muskegon Federal Credit Union | Muskegon, MI | $81M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| New York University Federal Credit Union | New York, NY | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Omaha Firefighters Federal Credit Union | Omaha, NE | $76M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Postcity Financial Federal Credit Union | Long Beach, CA | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Railroad Employees Federal Credit Union | Belen, NM | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Safeway Federal Credit Union | Spokane, WA | $77M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Select Employees Federal Credit Union | Sterling, IL | $79M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sonoma Federal Credit Union | Santa Rosa, CA | $80M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Federal Credit Union | Houston, TX | $76M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Teamsters Council #37 Federal Credit Union | Portland, OR | $76M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Thornapple Federal Credit Union | Hastings, MI | $79M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Timberline Federal Credit Union | Crossett, AR | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Virginia Educators Credit Union | Newport News, VA | $76M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Westedge Federal Credit Union | Bellingham, WA | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Your Legacy Federal Credit Union | Tiffin, OH | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
1,583 peers selected · 478 publish this fee(monthly maintenance)
1,105 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5 among 478 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, among the 50 peers shown
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 A.C.P.E. 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 | $28K | +$3K | +12.0% |
| Q1 2026 | $25K | −$12K | −32.4% |
| Q4 2025 | $37K | +$5K | +15.6% |
| Q3 2025 | $32K | −$1K | −3.0% |
| Q2 2025 | $33K | +$5K | +17.9% |
| Q1 2025 | $28K | −$3K | −9.7% |
| Q4 2024 | $31K | −$15K | −32.6% |
| Q3 2024 | $46K | +$15K | +48.4% |
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, A.C.P.E. 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 A.C.P.E. Federal Credit Union by share.
Amounts from A.C.P.E. Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early close account (within 90 days of opening account) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Bad address per month after first month | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| ACH, Debit card, or Share draft is presented against insufficient funds and the overdraft item is honored (per item) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ACH or Share draft that is presented for payment against insufficient funds and is returned (per item) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Insufficient funds charge per online bill pay attempt | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic outgoing wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International outgoing wire | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Per cashiers check issued | $1Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Per money order issued up | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment for check or a group of checks in a series | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks – 4 Per Sheet (.40) | $0.10Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Processing Fee | $6.50Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay per month | $4.75Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposit return item | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Non-Member Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill safe deposit key | $110Not compared: Box drilling or key fee | Not stated | None |
| Lost safe deposit key | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Loan late charge (or 5% of lesser pmt) | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards – Members | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Send or receive faxes per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Application Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Extension Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 31, 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 A.C.P.E. Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Laramie, WY | 1 |
Largest competitors nearby
Local market: Albany county, WY, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| First Interstate Bank | 39.5% |
| ANB Bank | 28.2% |
| Wells Fargo Bank, National Association | 8.6% |
| First National Bank of Omaha | 8.3% |
| U.S. Bank National Association | 6.4% |
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.