Compared with Minnesota
3 of 9
compared fees are above the median.
3 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
21st percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 9 compared; 3 below, 3 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Affinity Plus 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 452 credit unions with $1B to $10B 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. | Affinity Plus Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.9% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (21st 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 $4.3M in Q2 2026, 35% above the same quarter a year earlier ($3.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 9 compared published fees sit above the Minnesota median; 3 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.
Overdraft (OD)
Monthly Maintenance
BundleUp Checking
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 rose 53% from Q3 2025 to Q2 2026, to $4.3M. Its share of revenue, 3.9%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$4.3M
Affinity Plus 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Affinity Plus Federal Credit Union · $5B 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 |
|---|---|---|---|---|---|---|---|
| Affinity Plus Federal Credit Union(this institution) | Saint Paul, MN | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Heritage Federal Credit Union | Philadelphia, PA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ascend Federal Credit Union | Tullahoma, TN | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blaze Federal Credit Union | Falcon Heights, MN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Canvas Federal Credit Union | Lone Tree, CO | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chevron Federal Credit Union | Concord, CA | $5.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Consumers Federal Credit Union | lake Forest, IL | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eecu Federal Credit Union | Fort Worth, TX | $4.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fairwinds Federal Credit Union | Orlando, FL | $5.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Chesterfield, MO | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Founders Federal Credit Union | Lancaster, SC | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jovia Financial Federal Credit Union | Westbury, NY | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Knoxville Tva Employees Federal Credit Union | Knoxville, TN | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Liberty Federal Credit Union | Evansville, IN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Municipal Federal Credit Union | New York, NY | $5.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Federal Credit Union | Herndon, VA | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nusenda Federal Credit Union | Albuquerque, NM | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ornl Federal Credit Union | Oak Ridge, TN | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rally Federal Credit Union | Corpus Christi, TX | $4.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Robins Financial Federal Credit Union | Warner Robins, GA | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Stanford Federal Credit Union | Palo Alto, CA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sunward Federal Credit Union | Albuquerque, NM | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dow Employees Federal Credit Union | Lake Jackson, TX | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tower Federal Credit Union | Laurel, MD | $5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Washington State Employees Federal Credit Union | Olympia, WA | $5.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ 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.
Peer pricing snapshot
Its published price is $7, against a peer median of $8 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Affinity Plus 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 | $4.3M | +$2.2M | +105.8% |
| Q1 2026 | $2.1M | −$399K | −16.1% |
| Q4 2025 | $2.5M | −$321K | −11.5% |
| Q3 2025 | $2.8M | −$374K | −11.8% |
| Q2 2025 | $3.2M | +$763K | +31.7% |
| Q1 2025 | $2.4M | −$71K | −2.9% |
| Q4 2024 | $2.5M | +$932K | +60.2% |
| Q3 2024 | $1.5M | −$975K | −38.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Affinity Plus 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 Affinity Plus Federal Credit Union by share.
Amounts from Affinity Plus Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| BundleUp Checking Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| A+ Money Market Minimum Balance | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Checking Account Minimum Balance - Dividend-bearing | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| OVERDRAFT/COURTESY PAY ITEM When we cover a non-sufficient funds | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/Courtesy Pay Daily Cap (audience not stated, treated as personal) | $90Below the U.S. middle 50% ($100 to $162.50 nationally) | per day | None |
Wire Transfers | |||
| Wire Transfer Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| WIRE TRANSFER: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Outgoing Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Personalized Checks - Interest Reward Checking | No chargeBelow the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment - per check | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| STOP PAYMENT To cover the cost of stopping | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Other Fees | |||
| Loan Payment (non-Affinity Plus debit card) | $12Below the U.S. middle 50% ($20 to $37.50 nationally) | per transaction | None |
| Skip-a-Payment | $30Inside 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 11, 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 Affinity Plus Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
36 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
| Bemidji, MN | 2 |
| Duluth, MN | 2 |
| Mankato, MN | 2 |
| Moorhead, MN | 2 |
| Rochester, MN | 2 |
| Saint Cloud, MN | 2 |
| Saint Paul, MN | 2 |
| Winona, MN | 2 |
Largest competitors nearby
Local market: Ramsey, Washington and Dakota counties, MN, around its headquarters.
| 83 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 66.6% |
| Wells Fargo Bank, National Association | 10% |
| Old National Bank | 3.2% |
| The Huntington National Bank | 2.8% |
| Associated Bank, National Association | 2% |
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.