Bay Federal Credit Union

Headquarters: Capitola, California
Charter: Credit Union
Assets: $1.9B
Fed district: San Francisco
Regulator: NCUA

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

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 Oct 11, 2026

How these figures are measured

Call-report figures are for Bay 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.	Bay Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Bay Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $1.2M in Q2 2026, 14% below the same quarter a year earlier ($1.4M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $5, the middle of its prices
Bay Federal Credit Union: $0 to $10
Bay Federal Credit Union: $0 to $10
U.S. median: no median
Overdraft (OD)
Bay Federal Credit Union: $50
Bay Federal Credit Union: $50
U.S. median: no median
Non-Network ATM
Bay Federal Credit Union: $2
Bay Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 21% from Q3 2025 to Q2 2026, to $1.2M.

Fee income, Q2 2026

$1.2M

$1.5MQ3 2025

$1.3MQ4 2025

$1.2MQ1 2026

$1.2MQ2 2026

Against the median

Bay Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Bay Federal Credit Union · $1.9B 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.

Credit unions only
$1.7B to $2.1B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bay Federal Credit Union(this institution)	Capitola, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alabama Federal Credit Union	Tuscaloosa, AL	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Credit Union of America	Wichita, KS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Datcu Federal Credit Union	Denton, TX	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Educational Federal Credit Union	Miami, FL	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fibre Federal Credit Union	Longview, WA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontwave Federal Credit Union	Oceanside, CA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greylock Federal Credit Union	Pittsfield, MA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Honor Federal Credit Union	Berrien Springs, MI	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horizon Federal Credit Union	Spokane Valley, WA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Federal Credit Union	West Chester, OH	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lafayette Federal Credit Union	Rockville, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Marion And Polk Schools Federal Credit Union	Salem, OR	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monterra Federal Credit Union	Redwood City, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Philadelphia Federal Credit Union	Philadelphia, PA	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Publix Employees Federal Credit Union	Lakeland, FL	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Safe Federal Credit Union	Sumter, SC	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott Federal Credit Union	Edwardsville, IL	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Self Reliance Ny Federal Credit Union	New York, NY	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
St. Mary'S Bank Federal Credit Union	Manchester, NH	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Superior Credit Union, Inc	Lima, OH	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Tyndall Federal Credit Union	Panama City, FL	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unitus Community Federal Credit Union	Tigard, OR	$1.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
University Of Kentucky Federal Credit Union	Lexington, KY	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westerra Federal Credit Union	Denver, CO	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Whitefish Credit Union Association	Whitefish, MT	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (9.1%) below the median of similar-sized credit unions.

Compared at $5, the middle of its three prices, against a peer median of $5.50 among 12 publishing peers.

Its three checking prices are $0, $5 and $10.

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 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bay Federal Credit Union: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bay Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.2M
vs prior quarter: −$47K−3.9%; from Q1 2026
vs a year earlier: −$195K−14.4%; from Q2 2025
vs start of range: −$235K−16.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Bay Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.2M	−$47K	−3.9%
Q1 2026	$1.2M	−$75K	−5.9%
Q4 2025	$1.3M	−$194K	−13.2%
Q3 2025	$1.5M	+$121K	+9.0%
Q2 2025	$1.4M	+$2K	+0.1%
Q1 2025	$1.3M	−$34K	−2.5%
Q4 2024	$1.4M	−$8K	−0.6%
Q3 2024	$1.4M	+$93K	+7.2%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Bay Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly FeeNo charge
per month
Monthly Maintenance$10
per month
Monthly Service Charge$5
per month · waived with any direct deposit, or 10+ Visa® Debit Card transactions per month
Close Membership (within 180 days of opening)$5
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research 3 (per hour)$24
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee on External Transfer Item (per occurrence)$45
per item
Returned Mail Processing Fee$5

Overdraft & NSF

Case of an overdraft, in even increments$50
Overdraft Protection Transfer FeeNo charge

ATM & Card

ATM Transaction Fee for Non-Bay Federal/Non-CO-OP ATM 6$2

Wire Transfers

Outgoing Domestic Wire Transfer$25
Incoming Wire TransferNo charge
Outgoing International Wire Transfer$45

Check Services

Cashier’s Check / Official Check 1$5
Stop Payment (per item)$29
per item
Stop Payment on Lost or Stolen Cashier’s Check$35
Zelle ® Stop Payment$15
Copy of Cashier’s Check 2,3$6
Copy of Paid CheckNo charge
Retrieval and Copy of Paid Check (per item)$6
per item
Statement Copy (per item) 3$6
per item

Digital & Electronic

Bloqueo de pago por Zelle®$15
Devolución por Zelle®$35
Zelle ® Send/ReceiveNo charge

Cash & Deposit

Coin Counting for MembersNo charge
Coin Counting for Non-members10%

Account Services

Notary (for members only) 1,4$5
per item
Levy/Legal Processing, Compliance Order (per item)$100
per item
Subordination Agreement$200
Not compared: Monthly charge, not per item
per month

Lending Fees

UCC Filing Termination Fee$10
UCC FILING TERMINATION FEE (when the daily balance falls below $500)$7

Other Fees

Copy of StatementNo charge
Demand for Payoff$15
Loan Reconveyance Fee$228
SKIP PAYMENT FEE (For vehicle and personal loans only)$30
Update to Demand for Payoff$15

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Monthly Maintenance	$10	per month	None
Monthly Service Charge	$5	per month	waived with any direct deposit, or 10+ Visa® Debit Card transactions per month
Close Membership (within 180 days of opening)	$5	Not stated	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research 3 (per hour)	$24Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee on External Transfer Item (per occurrence)	$45	per item	None
Returned Mail Processing Fee	$5	Not stated	None
Overdraft & NSF
Case of an overdraft, in even increments	$50	Not stated	None
Overdraft Protection Transfer Fee	No charge	Not stated	None
ATM & Card
ATM Transaction Fee for Non-Bay Federal/Non-CO-OP ATM 6	$2	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	No charge	Not stated	None
Outgoing International Wire Transfer	$45	Not stated	None
Check Services
Cashier’s Check / Official Check 1	$5	Not stated	None
Stop Payment (per item)	$29	per item	None
Stop Payment on Lost or Stolen Cashier’s Check	$35	Not stated	None
Zelle ® Stop Payment	$15	Not stated	None
Copy of Cashier’s Check 2,3	$6	Not stated	None
Copy of Paid Check	No charge	Not stated	None
Retrieval and Copy of Paid Check (per item)	$6	per item	None
Statement Copy (per item) 3	$6	per item	None
Digital & Electronic
Bloqueo de pago por Zelle®	$15	Not stated	None
Devolución por Zelle®	$35	Not stated	None
Zelle ® Send/Receive	No charge	Not stated	None
Cash & Deposit
Coin Counting for Members	No charge	Not stated	None
Coin Counting for Non-members	10%	Not stated	None
Account Services
Notary (for members only) 1,4	$5	per item	None
Levy/Legal Processing, Compliance Order (per item)	$100	per item	None
Subordination Agreement	$200Not compared: Monthly charge, not per item	per month	None
Lending Fees
UCC Filing Termination Fee	$10	Not stated	None
UCC FILING TERMINATION FEE (when the daily balance falls below $500)	$7	Not stated	None
Other Fees
Copy of Statement	No charge	Not stated	None
Demand for Payoff	$15	Not stated	None
Loan Reconveyance Fee	$228	Not stated	None
SKIP PAYMENT FEE (For vehicle and personal loans only)	$30	Not stated	None
Update to Demand for Payoff	$15	Not stated	None

Correct a fee source

Oct 11, 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

Get an email when Bay Federal Credit Union's monthly maintenance changes in our data

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