Compared with Illinois
10 of 27
compared fees are above the median.
11 below, 6 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
56th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Illinois median
of 27 compared; 11 below, 6 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Metro 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Metro Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.1% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (56th 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 $87K in Q2 2026, 1.2% above the same quarter a year earlier ($86K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 27 compared published fees sit above the Illinois 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 Illinois medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Basic (Regular) Checking $5 · Premier Checking $8 · Platinum Checking $10
Compared at $8, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.8% from Q3 2025 to Q2 2026, to $87K. Its share of revenue, 8.1%, is above the 7.2% median for credit unions with under $300M in assets.
$87K
Metro 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Metro Federal Credit Union · $80M in assets
Banks and credit unions in the Chicago-Naperville-Elgin, IL-IN metro
Banks and credit unions with branches in the Chicago-Naperville-Elgin, IL-IN metro: the local competitors for deposits and customers. They range from $1M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 140 peers; medians use all 140.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Metro Federal Credit Union(this institution) | Arlington Heights, IL | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 1st Equity Bank | Skokie, IL | $130M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.A.E.C. Federal Credit Union | Arlington Heights, IL | $119M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Access Federal Credit Union | Broadview, IL | $58M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Acme Continental Federal Credit Union | Riverdale, IL | $62M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Bank of Wolcott | Wolcott, IN | $280M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brickyard Bank | Lincolnwood, IL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Canals & Trails Federal Credit Union | Lockport, IL | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cbi Federal Credit Union | Plainfield, IL | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Credit Union of Illinois | Bellwood, IL | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chicago Post Office Employees Federal Credit Union | Chicago, IL | $28M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chiphone Federal Credit Union | Elkhart, IN | $112M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Evergreen Park Schools Federal Credit Union | Evergreen Park, IL | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Federated Bank | Onarga, IL | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fellowship Baptist Church Federal Credit Union | Chicago, IL | $1M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Finans Federal Credit Union | Hammond, IN | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank and Trust Company of Illinois | Palatine, IL | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank of Manhattan | Manhattan, IL | $266M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Eagle Federal Credit Union | Owings Mills, MD | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| First Secure State Bank | Wonder Lake, IL | $306M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida Customs Federal Credit Union | Tampa, FL | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Forest Park National Bank and Trust Company | Forest Park, IL | $322M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gesb Sheet Metal Workers Federal Credit Union | Portage, IN | $12M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Illiana Financial Federal Credit Union | Calumet City, IL | $264M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Joliet Municipal Employees Federal Credit Union | joliet, IL | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 697 Federal Credit Union | Merrillville, IN | $49M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Maroon Financial Federal Credit Union | Chicago, IL | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Advantage Federal Credit Union | Michigan City, IN | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Source Federal Credit Union | Merrillville, IN | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Metropolitan "L" Federal Credit Union | Oak Park, IL | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Molex Employees Federal Credit Union | Lisle, IL | $7M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mutual Federal Bank | Chicago, IL | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Century Federal Credit Union | Joliet, IL | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| North Side Federal Savings and Loan Association of Chicago | Chicago, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern Illinois Federal Credit Union | Dekalb, IL | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northside L Federal Credit Union | Broadview, IL | $5M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwest Municipal Federal Credit Union | Des Plaines, IL | $41M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| OSB Community Bank | Ottawa, IL | $356M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Planites Federal Credit Union | Chicago, IL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Prairie Community Bank | Marengo, IL | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Profinance Federal Credit Union | Merrillville, IN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regional Federal Credit Union | Winfield, IN | $180M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Side Community Federal Credit Union | Chicago, IL | $6M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Town Center Bank | Frankfort, IL | $181M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
140 peers selected · 63 publish this fee(monthly maintenance)
77 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its three prices, against a peer median of $9 among 63 publishing peers.
Its three checking prices are $5, $8 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 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Metro 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 | $87K | +$10K | +13.0% |
| Q1 2026 | $77K | −$6K | −7.2% |
| Q4 2025 | $83K | $0 | 0.0% |
| Q3 2025 | $83K | −$3K | −3.5% |
| Q2 2025 | $86K | +$8K | +10.3% |
| Q1 2025 | $78K | −$7K | −8.2% |
| Q4 2024 | $85K | +$1K | +1.2% |
| Q3 2024 | $84K | −$2K | −2.3% |
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, Metro 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 Metro Federal Credit Union by share.
Amounts from Metro Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee (Basic (Regular) Checking) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Platinum Checking Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking Monthly Service Charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly minimum balance fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Minimum Balance Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within 90 days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement/Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee – Online Banking Users | $1.50Below the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient(NSF)/Uncollected Funds/Returned Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Share/Loan Overdraft Protection Transfer | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Inquiries | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card/Pin Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| VISA Card Rush Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Request | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Request on Check Range | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-Member Check Cashing Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Merchant Draft Copy Fee | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Monthly Online Bill Payment Fee | $4.50Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Counting | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Coin Counting Fee | 1% | Not stated | None |
| Coin Counting Fee (audience not stated, treated as personal) | 1% | Not stated | None |
| Non-Metro VISA Cash Advance Fee | $15Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Check Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| IRS/State Account Levy Processing Fee | $49Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Subordination Agreement Processing Fee | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Subpoena/Information Request Fee | $49Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of Account Request | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Late Payment Fee | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Appraisal Fee | $400Inside the U.S. middle 50% ($125 to $468.75 nationally) | Not stated | None |
Vehicle & Title | |||
| Vehicle Title Recording Fee | $98Above the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $4.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Initial Loan Application Fee | $10Below 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
Nov 1, 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 Metro 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Arlington Heights, IL | 1 |
| Tampa, FL | 1 |
Largest competitors nearby
Local market: Cook county, IL, around its headquarters.
| 156 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.8% |
| BMO Bank National Association | 20.2% |
| CIBC Bank USA | 10.5% |
| The Northern Trust Company | 8.4% |
| Bank of America, National Association | 7.7% |
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.