University Of Kentucky Federal Credit Union

Headquarters: Lexington, Kentucky
Charter: Credit Union
Assets: $1.8B
Fed district: Cleveland
Regulator: NCUA

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

Source: its fee schedule, read Oct 6, 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 6, 2026

How these figures are measured

Call-report figures are for University Of Kentucky 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.	University Of Kentucky Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: University Of Kentucky 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 $2.2M in Q2 2026, 21% above the same quarter a year earlier ($1.8M).
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
BlueVantage Checking Account
University Of Kentucky Federal Credit Union: $7
University Of Kentucky Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
University Of Kentucky Federal Credit Union: $29
University Of Kentucky Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
University Of Kentucky Federal Credit Union: $29
University Of Kentucky Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 was about level from Q3 2025 to Q2 2026, at $2.2M.

Fee income, Q2 2026

$2.2M

$2.2MQ3 2025

$2.2MQ4 2025

$2.1MQ1 2026

$2.2MQ2 2026

Against the median

University Of Kentucky 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

University Of Kentucky Federal Credit Union · $1.8B 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 17 states.

Credit unions only
$1.6B to $1.9B in assets
Headquartered in 17 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
University Of Kentucky Federal Credit Union(this institution)	Lexington, KY	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bay Federal Credit Union	Capitola, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union 1	Anchorage, AK	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Financial Plus Federal Credit Union	Flint, MI	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
Greater Nevada Federal Credit Union	Carson City, NV	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
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
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
Merck Employees Federal Credit Union	Rahway, NJ	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mid-Hudson Valley Federal Credit Union	Kingston, NY	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
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
Northrop Grumman Federal Credit Union	Gardena, CA	$1.6B	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
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
Skyla Federal Credit Union	Charlotte, NC	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Truwest Federal Credit Union	Scottsdale, AZ	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
United Heritage Federal Credit Union	Austin, TX	$1.7B	Monthly maintenance not published	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

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (27%) above the median of similar-sized credit unions.

Its published price is $7, against a peer median of $5.50 among 13 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 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

University Of Kentucky Fe…Peer (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 University Of Kentucky 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: $2.2M
vs prior quarter: +$139K+6.8%; from Q1 2026
vs a year earlier: +$379K+20.9%; from Q2 2025
vs start of range: +$310K+16.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: University Of Kentucky 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	$2.2M	+$139K	+6.8%
Q1 2026	$2.1M	−$111K	−5.1%
Q4 2025	$2.2M	−$39K	−1.8%
Q3 2025	$2.2M	+$390K	+21.5%
Q2 2025	$1.8M	+$95K	+5.5%
Q1 2025	$1.7M	−$41K	−2.3%
Q4 2024	$1.8M	−$123K	−6.5%
Q3 2024	$1.9M	+$43K	+2.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

BlueVantage Checking Account Monthly service charge (audience not stated, treated as personal)$7
per month
Dormancy Fee$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

ACH OD Fee$29
per transaction
Courtesy Pay Fee$29
per transaction
NSF Fee$29
per transaction

ATM & Card

Foreign ATM Fees (non-UKFCU ATM)No charge
Replacement card fee$5
per item
Foreign Transaction Fee - VISA Platinum1%of the transaction
per transaction
Foreign Transaction Fee - VISA SignatureNo charge

Wire Transfers

Domestic Wire Transfer$20
per item
International Wire Transfer$40
per item

Check Services

Cashier Check$5
per item
Money Order$1
per item
Stop Payment Fee$29
per item
Non-Member Check Cashing Fee$5
per item
Check Image Copy$2

Cash & Deposit

Coin Machine Counting Non-member Fee Only8%

Account Services

Box A - 21x10x2.5 in$25
per year
Box B - 21x10x4.5 in$50
per year
Box D - 21x10x10 in$100
per year
Garnishment/Tax Levy$75
per item

Other Fees

Statement Copy$2
Statement Copy Fee$2
per item
Skip Payment Fee$29
per item

Fee	Amount	Basis	Note
Account Maintenance
BlueVantage Checking Account Monthly service charge (audience not stated, treated as personal)	$7	per month	None
Dormancy Fee	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
ACH OD Fee	$29	per transaction	None
Courtesy Pay Fee	$29	per transaction	None
NSF Fee	$29	per transaction	None
ATM & Card
Foreign ATM Fees (non-UKFCU ATM)	No charge	Not stated	None
Replacement card fee	$5	per item	None
Foreign Transaction Fee - VISA Platinum	1%of the transaction	per transaction	None
Foreign Transaction Fee - VISA Signature	No charge	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	per item	None
International Wire Transfer	$40	per item	None
Check Services
Cashier Check	$5	per item	None
Money Order	$1	per item	None
Stop Payment Fee	$29	per item	None
Non-Member Check Cashing Fee	$5	per item	None
Check Image Copy	$2	Not stated	None
Cash & Deposit
Coin Machine Counting Non-member Fee Only	8%	Not stated	None
Account Services
Box A - 21x10x2.5 in	$25	per year	None
Box B - 21x10x4.5 in	$50	per year	None
Box D - 21x10x10 in	$100	per year	None
Garnishment/Tax Levy	$75	per item	None
Other Fees
Statement Copy	$2	Not stated	None
Statement Copy Fee	$2	per item	None
Skip Payment Fee	$29	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 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

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