Compared with New Hampshire
2 of 15
compared fees are above the median.
9 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
78th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Hampshire median
of 15 compared; 9 below, 4 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Service 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 New Hampshire median | Published fees above the New Hampshire median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Service Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.3% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (78th 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 $13.6M in Q2 2026, 101% above the same quarter a year earlier ($6.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the New Hampshire median; 9 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 New Hampshire medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $12, the middle of its prices
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for New Hampshire, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 86% from Q3 2025 to Q2 2026, to $13.6M. Its share of revenue, 9.3%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$13.6M
Service 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.
Service Federal Credit Union · $6.7B 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 |
|---|---|---|---|---|---|---|---|
| Service Federal Credit Union(this institution) | Portsmouth, NH | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apple Federal Credit Union | Fairfax, VA | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Fund Staff Federal Credit Union | Washington, DC | $7.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Citadel Federal Credit Union | Exton, PA | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coastal Federal Credit Union | Raleigh, NC | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Appleton, WI | $6.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Genisys Federal Credit Union | Auburn Hills, MI | $6.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kinecta Federal Credit Union | Manhattan Beach, CA | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Landmark Federal Credit Union | Brookfield, WI | $7.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Langley Federal Credit Union | Newport News, VA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mission Federal Credit Union | San Diego, CA | $7.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spokane Teachers Federal Credit Union | Liberty Lake, WA | $6.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Farm Federal Credit Union | Bloomington, IL | $5.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Truliant Federal Credit Union | Winston Salem, NC | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trustone Financial Federal Credit Union | Plymouth, MN | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Wisconsin Federal Credit Union | Madison, WI | $6.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Virginia Federal Credit Union | Richmond, VA | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wescom Central Federal Credit Union | Pasadena, CA | $6.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7.75 among 16 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 Service Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 22 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $13.6M | +$4.9M | +56.4% |
| Q1 2026 | $8.7M | +$1.6M | +22.5% |
| Q4 2025 | $7.1M | −$213K | −2.9% |
| Q3 2025 | $7.3M | +$554K | +8.2% |
| Q2 2025 | $6.7M | +$160K | +2.4% |
| Q1 2025 | $6.6M | −$367K | −5.3% |
| Q4 2024 | $6.9M | +$714K | +11.5% |
| Q3 2024 | $6.2M | +$1.4M | +29.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Service 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 Service Federal Credit Union by share.
Amounts from Service Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| There is a monthly maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market (under $2,500) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account - per month (after 12 months of inactivity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Foreign Bank Research Fee | $2Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Research Fee - per hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay overdraft fee | $19Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft (OD) | $19Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Bad Address Returned Item - per return | $5Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Items -per return (Nonsufficient funds/uncollected funds) | $19Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Savings Transfer Overdraft Protection | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Out of Network ATM Fee 3 | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement - Standard | $9Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer Fee - Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer Fee (outgoing) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Check printing fee Variable Cashier’s Check fee (waived for Direct Deposit+) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign Check Processing Fee - checks drawn on Non-U.S. Banks - per item | $18Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy - per item (free through online banking) | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| International Bill Payments - In-branch - per payment | $2Not compared: Per-item charge, not monthly | per item | None |
| International Bill Payments – Online - per payment | $1Not compared: Per-item charge, not monthly | per item | None |
Account Services | |||
| Levy/Garnishment/Legal Service Fee - per action | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy - per statement period (free through online banking) | $2Not compared: Monthly charge, not per item | per month | None |
Oct 31, 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 Service Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
54 offices in 3 states (June 30, 2026)
Each dot is one office.
40 of 54 offices on the map. 6 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Portsmouth, NH | 5 |
| Rochester, NH | 3 |
| Concord, NH | 2 |
| Gorham, NH | 2 |
| Lebanon, NH | 2 |
| Newington, NH | 2 |
| Salem, NH | 2 |
| Somersworth, NH | 2 |
Largest competitors nearby
Local market: Rockingham county, NH, around its headquarters.
| 25 in its local market | Deposit share |
|---|---|
| TD Bank, National Association | 25.9% |
| Citizens Bank, National Association | 16% |
| Bank of New England | 10% |
| Bank of America, National Association | 9.7% |
| Santander Bank, N.A. | 5.2% |
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.