Compared with Virginia
7 of 21
compared fees are above the median.
10 below, 4 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
36th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 21 compared; 10 below, 4 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Argent 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Argent Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.6% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (36th 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 $583K in Q2 2026, 10% above the same quarter a year earlier ($530K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 21 compared published fees sit above the Virginia median; 10 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 Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Premium Checking
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 3.6% from Q3 2025 to Q2 2026, to $583K. Its share of revenue, 6.6%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$583K
Argent 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.
Argent Federal Credit Union · $572M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Argent Federal Credit Union(this institution) | Chesterfield, VA | $572M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ascentra Federal Credit Union | Bettendorf, IA | $596M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Credit Union of Texas | League City, TX | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cabrillo Federal Credit Union | San Diego, CA | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| City Of Boston Federal Credit Union | South Boston, MA | $544M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Diversified Members Federal Credit Union | Detroit, MI | $589M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dutch Point Federal Credit Union | Wethersfield, CT | $565M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Education First Federal Credit Union | Beaumont, TX | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Embold Federal Credit Union | Oregon City, OR | $596M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Firelands Federal Credit Union | Bellevue, OH | $580M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First New York Federal Credit Union | Albany, NY | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First U.S. Community Federal Credit Union | Sacramento, CA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freedom Of Maryland Federal Credit Union | Bel Air, MD | $557M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Springfield, IL | $574M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| I-C Federal Credit Union | Fitchburg, MA | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Partners 1St Federal Credit Union | Fort Wayne, IN | $546M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pearl Hawaii Federal Credit Union | Waipahu, HI | $545M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Resource One Federal Credit Union | Dallas, TX | $555M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Securityplus Federal Credit Union | Baltimore, MD | $597M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Siu Federal Credit Union | Carbondale, IL | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Soarion Federal Credit Union | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tech Federal Credit Union | Crown Point, IN | $599M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Southern Federal Credit Union | Fayetteville, GA | $560M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Transcend Federal Credit Union | Louisville, KY | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| U. T. Federal Credit Union | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $6, against a peer median of $6 among 15 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 31, 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Argent 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 | $583K | +$22K | +3.9% |
| Q1 2026 | $561K | −$15K | −2.6% |
| Q4 2025 | $576K | +$13K | +2.3% |
| Q3 2025 | $563K | +$33K | +6.2% |
| Q2 2025 | $530K | −$18K | −3.3% |
| Q1 2025 | $548K | −$47K | −7.9% |
| Q4 2024 | $595K | −$3K | −0.5% |
| Q3 2024 | $598K | +$24K | +4.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Argent 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 Argent Federal Credit Union by share.
Amounts from Argent Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premium Checking Maintenance Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Penalty for Early Closing for Holiday and Vacation Clubs only | $12.50Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal for Holiday and Vacation Clubs only | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Excessive Withdrawal (of any kind, if over 6 per month) | $30Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Check Privilege (also referred to as Courtesy Pay) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF/CheckPrivilege Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiries | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawals & Transfers | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card (Individual) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card (Joint) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card Expedited | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Rush Fee (Overnight) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer: Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Teller Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on Balance Consolidation Request | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (if member is age 19 or older and account balance is less than $100.00) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return | $30Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Deposit Item Return – 2 Party | $15Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Drill Charge | $250Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $100Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10” x 10” | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy, Lien, Garnishment Processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $30Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Loan Extension | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan Payment by Phone using ACH or Debit Card | $4.95Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Returned Loan Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-A-Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Premium Checking Maintenance Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Penalty for Early Closing for Holiday and Vacation Clubs only | $12.50Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal for Business Share/Savings, Share/Savings and Share Club only | $9 | per item | None |
| Excessive Withdrawal for Holiday and Vacation Clubs only | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Excessive Withdrawal (of any kind, if over 6 per month) | $30Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Check Privilege (also referred to as Courtesy Pay) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF/CheckPrivilege Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiries | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawals & Transfers | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card (Joint) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card Expedited | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Rush Fee (Overnight) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer: Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Teller Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on Balance Consolidation Request | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (if member is age 19 or older and account balance is less than $100.00) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return | $30Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Deposit Item Return – 2 Party | $15Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Drill Charge | $250Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $100Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10” x 10” | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy, Lien, Garnishment Processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $30Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Loan Extension | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan Payment by Phone using ACH or Debit Card | $4.95Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Returned Loan Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-A-Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 10, 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 Argent Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Chester, VA | 2 |
| North Chesterfield, VA | 2 |
| Richmond, VA | 2 |
| Chesterfield, VA | 1 |
| Glen Allen, VA | 1 |
| Midlothian, VA | 1 |
Largest competitors nearby
Local market: Chesterfield county, VA, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 32.5% |
| Truist Bank | 18% |
| Bank of America, National Association | 11.5% |
| Atlantic Union Bank | 10.1% |
| TowneBank | 7.1% |
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.