17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
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 Nov 2, 2026
Call-report figures are for American Spirit 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. | American Spirit Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $117K in Q2 2026, 6.4% above the same quarter a year earlier ($110K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Freedom Checking
Stop Payment
Wire Transfer (Int'l Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Delaware, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.5% from Q3 2025 to Q2 2026, to $117K.
$117K
American Spirit Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
American Spirit Federal Credit Union · $68M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American Spirit Federal Credit Union(this institution) | Newark, DE | $68M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| 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 |
| Alcoa Community Federal Credit Union | Benton, AR | $70M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avestar Federal Credit Union | Waterloo, WI | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benton County Schools Federal Credit Union | Corvallis, OR | $69M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Federal Credit Union | Fairfield, CT | $68M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| 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 |
| Electel Cooperative Federal Credit Union | Raleigh, NC | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Firefighters Federal Credit Union | Draper, UT | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Friendly Federal Credit Union | Aliquippa, PA | $69M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Greater Niagara Federal Credit Union | Niagara Falls, NY | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kings Peak Federal Credit Union | Roosevelt, UT | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Latitude 32 Federal Credit Union | Charleston, SC | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Parishioners Federal Credit Union | Torrance, CA | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rocket City Federal Credit Union | Huntsville, AL | $69M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 Texas Federal Credit Union | McALLEN, TX | $69M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| Stoneham Municipal Employees Federal Credit Union | Stoneham, MA | $70M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tahquamenon Area Federal Credit Union | Newberry, MI | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Wheatland Federal Credit Union | Lancaster, PA | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wvu Employees Federal Credit Union | Morgantown, WV | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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
Its published price is $5, against a peer median of $5 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 26, 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for American Spirit 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 | $117K | +$10K | +9.3% |
| Q1 2026 | $107K | −$5K | −4.5% |
| Q4 2025 | $112K | $0 | 0.0% |
| Q3 2025 | $112K | +$2K | +1.8% |
| Q2 2025 | $110K | −$3K | −2.7% |
| Q1 2025 | $113K | −$13K | −10.3% |
| Q4 2024 | $126K | +$14K | +12.5% |
| Q3 2024 | $112K | −$1K | −0.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from American Spirit Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Freedom Checking Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Escheat Fee | $100 | Not stated | None |
| Inactive Fee (Dormant) | $5 | per month | None |
| Check Book Balancing (Research) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $2Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| Lost Card Fee | $25 | per item | None |
| Rush Card | $75 | Not stated | None |
Wire Transfers | |||
| International Wire Transfers | $40 | Not stated | None |
Check Services | |||
| Cashier Check | $5 | Not stated | None |
| Stop Payment of Checks and ACHs | $20 | Not stated | None |
| Copy of Paid Check | $5 | per item | None |
Digital & Electronic | |||
| Internet Access/Bill Payer Service (nonactive) | $4.95 | Not stated | None |
Cash & Deposit | |||
| Deposited Check Returned (own account) | $25 | per item | None |
Account Services | |||
| Drill Box Fee | $150Not compared: Box drilling or key fee | Not stated | None |
| Duplicate Key | $10Not compared: Box drilling or key fee | Not stated | None |
| I.R.S. Levy | $75 | Not stated | None |
| Subordination of Mortgage Agreement | $75 | Not stated | None |
Lending Fees | |||
| Loan Payment Late Fee | 5%($5 minimum) | Not stated | None |
| Loan Payment Late Fee (audience not stated, treated as personal) | 5%($5 minimum) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Account Fee | $15 | per year | None |
| IRA Early Withdrawal Fee | $10 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Fax (1st 3 pages) | $2 | Not stated | None |
| Skip Payment Fee | $30 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 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.
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