Compared with Minnesota
5 of 19
compared fees are above the median.
11 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
5th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 19 compared; 11 below, 3 about the same
See the feesFee schedule read Oct 24, 2026
Call-report figures are for Minnesota Valley 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 569 credit unions with $300M to $1B 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 Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Minnesota Valley Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 24, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (5th 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 $109K in Q2 2026, 16% below the same quarter a year earlier ($129K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 19 compared published fees sit above the Minnesota median; 11 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 Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Second Checking (S9)
Can be waived with a balance of $100 or more.
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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 $109K. Its share of revenue, 2.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$109K
Minnesota Valley 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Minnesota Valley Federal Credit Union · $329M 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 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Minnesota Valley Federal Credit Union(this institution) | Mankato, MN | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 360 Federal Credit Union | Windsor Locks, CT | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Clinton, NY | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Actors Federal Credit Union | New York, NY | $331M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dannemora Federal Credit Union | Plattsburgh, NY | $320M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Downeast Federal Credit Union | Baileyville, ME | $330M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downey Federal Credit Union | Downey, CA | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Evolve Federal Credit Union | El Paso, TX | $323M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Families And Schools Together Federal Credit Union | Hanford, CA | $330M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Northern Federal Credit Union | Chicago, IL | $333M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Worth City Federal Credit Union | Fort Worth, TX | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Glass City Federal Credit Union | Maumee, OH | $326M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nassau Financial Federal Credit Union | East Meadow, NY | $334M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nebraska Energy Federal Credit Union | Columbus, NE | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Hampshire Federal Credit Union | Concord, NH | $332M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| People'S Alliance Federal Credit Union | Hauppauge, NY | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prince George'S Community Federal Credit Union | Bowie, MD | $337M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Riverfront Federal Credit Union | Wyomissing, PA | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sag-Aftra Federal Credit Union | Burbank, CA | $336M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Secny Federal Credit Union | Syracuse, NY | $323M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Soo Co-Op Federal Credit Union | Sault Sainte Marie, MI | $324M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Synergy Federal Credit Union | San Antonio, TX | $334M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucoemas Federal Credit Union | Visalia, CA | $332M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ume Federal Credit Union | Burbank, CA | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Teletech Financial Federal Credit Union | Tinton Falls, NJ | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vacationland Federal Credit Union | Sandusky, OH | $327M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $2, against a peer median of $6 among 17 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 Minnesota Valley 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 | $109K | −$7K | −6.0% |
| Q1 2026 | $116K | +$2K | +1.8% |
| Q4 2025 | $114K | −$12K | −9.5% |
| Q3 2025 | $126K | −$3K | −2.3% |
| Q2 2025 | $129K | +$42K | +48.3% |
| Q1 2025 | $87K | −$53K | −37.9% |
| Q4 2024 | $140K | +$11K | +8.5% |
| Q3 2024 | $129K | +$21K | +19.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Minnesota Valley 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 Minnesota Valley Federal Credit Union by share.
Amounts from Minnesota Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Checking (S9) Monthly service fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account Charge - if closed within 90 days of opening (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Savings Account Charge (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reconcilement Charge (checking account) (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Charge (wrong address) (audience not stated, treated as personal) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Check conversion to cashier check charge (includes NSF checks) (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Savings Transfer (overdraft protection) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Rush Order Charge (per card) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire Transfer (audience not stated, treated as personal) | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check Reissue Charge (after 91 days) (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Charge ( Check, ACH or Bill Payer) (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Collection Charge on Foreign Country Checks (per item processing up to 2 weeks) (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Item Deposits (processing up to 12 weeks) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy Charge (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Payment Return Charge | $19Below the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Non-member Coin Counting (audience not stated, treated as personal) | 7% | Not stated | None |
| Non-member Coin Counting 7% of total Reloadable Debit Card (audience not stated, treated as personal) | $3.50Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Cash Advance (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Garnishment Processing Charge (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| 11+ Travel/Gift Card (VISA)- Purchased in house (audience not stated, treated as personal) | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Reload Fee (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel/Gift Card (VISA)- Mailed out (audience not stated, treated as personal) | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Mortgage Loan Modification Charge (re-amortize) (audience not stated, treated as personal) | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
Oct 24, 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 Minnesota Valley Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Mankato, MN | 3 |
Largest competitors nearby
Local market: Blue Earth county, MN, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 22.7% |
| Community Bank Mankato | 17.4% |
| U.S. Bank National Association | 10.2% |
| Minnstar Bank National Association | 6.6% |
| Old National Bank | 6.6% |
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.