Compared with South Dakota
6 of 18
compared fees are above the median.
9 below, 3 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
32nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Dakota median
of 18 compared; 9 below, 3 about the same
See the feesFee schedule read Oct 22, 2026
Call-report figures are for Palace City 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 South Dakota median | Published fees above the South Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Palace City Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (32nd 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 $9K in Q2 2026, 10.0% below the same quarter a year earlier ($10K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 18 compared published fees sit above the South Dakota median; 9 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 South Dakota medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 18% from Q3 2025 to Q2 2026, to $9K. Its share of revenue, 4.7%, is below the 7.2% median for credit unions with under $300M in assets.
$9K
Palace City 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.
Palace City Federal Credit Union · $16M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Palace City Federal Credit Union(this institution) | Mitchell, SD | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Academic Employees Federal Credit Union | Columbia, MO | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alcose Federal Credit Union | White Oak, PA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Anmed Federal Credit Union | Anderson, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Berkeley Community Federal Credit Union | Moncks Corner, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Clifty Creek Employees Federal Credit Union | Madison, IN | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cm Members Federal Credit Union | Columbus, MS | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gallup Federal Credit Union | Omaha, NE | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Clarksville, TN | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hema Federal Credit Union | Silver Spring, MD | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson County Teachers Federal Credit Union | Monticello, FL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakewood Federal Credit Union | Rib Lake, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lithium Federal Credit Union | Bessemer City, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Long Island Alliance Federal Credit Union | Hauppauge, NY | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Member Preferred Federal Credit Union | Fort Worth, TX | $16M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwestern Federal Credit Union | Bryan, OH | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| One South Federal Credit Union | Natchez, MS | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ottawa Hiway Federal Credit Union | Ottawa, IL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Parthenon Federal Credit Union | Nashville, TN | $17M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyline Federal Credit Union | Nashville, TN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southernmost Federal Credit Union | Key West, FL | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spokane Media Federal Credit Union | Spokane, WA | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tcp Federal Credit Union | Rural Hall, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Varex Federal Credit Union | Salt Lake City, UT | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| White County Federal Credit Union | Searcy, AR | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Wisconsin Medical Federal Credit Union | Green Bay, WI | $16M | 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 · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1.50, against a peer median of $1 among 8 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Palace City 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 | $9K | −$3K | −25.0% |
| Q1 2026 | $12K | +$1K | +9.1% |
| Q4 2025 | $11K | $0 | 0.0% |
| Q3 2025 | $11K | +$1K | +10.0% |
| Q2 2025 | $10K | +$2K | +25.0% |
| Q1 2025 | $8K | +$1K | +14.3% |
| Q4 2024 | $7K | −$2K | −22.2% |
| Q3 2024 | $9K | −$2K | −18.2% |
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, Palace City 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 Palace City Federal Credit Union by share.
Amounts from Palace City Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Share account within 90 days of opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| 120 daysof inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant-Inactive Account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Returned Statement/ Bad Address or Unable to Locate | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Check-Overdraft/NSF/Return Fees | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Continuous OD fee per week starting on the 7th of negative balance | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transactions at non Co-op ATMS Text a street address or zip code to 692667 my (co-op) to find the closest CO-OP ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Lost/Broken Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Out | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Pay | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Look up Check/Copy per check | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Set up fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Items/Cashed Check | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy/Garnishment/ Tax Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statements (Current Year) per statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statements (Previous Year) per statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Processing Fee | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 22, 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 Palace City Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Hoover, AL | 1 |
| Mitchell, SD | 1 |
Largest competitors nearby
Local market: Davison county, SD, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| First Dakota National Bank | 27.7% |
| CorTrust Bank National Association | 21.3% |
| First National Bank of Omaha | 16.6% |
| BankWest, Inc. | 10.4% |
| Wells Fargo Bank, National Association | 9.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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