Compared with Kentucky
9 of 21
compared fees are above the median.
4 below, 8 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
54th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 21 compared; 4 below, 8 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Commonwealth 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Commonwealth Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2025 to Q2 2026, standalone quarters
Fee income was 7.0% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (54th 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 $3.6M in Q2 2026, 17% above the same quarter a year earlier ($3.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 21 compared published fees sit above the Kentucky median; 4 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 Kentucky medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 5.5% from Q3 2025 to Q2 2026, to $3.6M. Its share of revenue, 7.0%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.6M
Commonwealth 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. *Monthly maintenance: Listed at $10 to $15; we compare the midpoint.
Commonwealth Federal Credit Union · $2.9B 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 |
|---|---|---|---|---|---|---|---|
| Commonwealth Federal Credit Union(this institution) | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bayport Federal Credit Union | Newport News, VA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Capital Federal Credit Union | Green Bay, WI | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connecticut State Employees Federal Credit Union | Hartford, CT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Florida Federal Credit Union | Gainesville, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hawaii State Federal Credit Union | Honolulu, HI | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oregon State Federal Credit Union | Corvallis, OR | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Three Rivers Federal Credit Union | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Y-12 Federal Credit Union | Oak Ridge, TN | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $5 among 14 publishing peers.
Its two checking prices are $10 and $15.
$12.50 is a comparison price, not a fee anyone is charged.
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 3, 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Commonwealth Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q1 2025 to Q2 2026, standalone quarters · 6 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.6M | +$296K | +8.9% |
| Q1 2026 | $3.3M | −$209K | −5.9% |
| Q4 2025 | $3.5M | +$100K | +2.9% |
| Q3 2025 | $3.4M | +$347K | +11.3% |
| Q2 2025 | $3.1M | +$154K | +5.3% |
| Q1 2025 | $2.9M |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Commonwealth 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 Commonwealth Federal Credit Union by share.
Amounts from Commonwealth 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 item
per transaction
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Fee (if average daily balance falls below $5,000) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Dormant/Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| All Money Market Accounts Withdrawals in excess of 6 per month | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Withdrawals in excess of 6 per month | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned Statement | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Returned Statement | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (Bill Payment Service) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege (OD Privilege) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Debit Returned for Non-Sufficient Funds (NSF) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection (NSF transfer) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing International Wire (in foreign currency) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Outgoing International Wire (in U.S. Dollars) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment /Transaction Cancellation | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| ACH Stop Payment on Overdrawn Accounts | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| ACH Stop Payment on Overdrawn Accounts | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Bill Payment Service) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Bill Payment Service) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Cashier's Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Cashier's Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Official Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Official Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on one or more checks | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Overdrawn Accounts (Bill Payment Service) | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Reversal | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (waived w/check order) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee (Non-Members, On-Us Checks) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Image/Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of Check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Proof of payment (copy of cancelled check) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Returned for Non-Sufficient Funds (NSF) | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Payment (Bill Payment Service) | $10Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Payment on Overdrawn Accounts (Bill Payment Service) | $32Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item | $32Above the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Drill box fee (when keys are lost or stolen) | $200Not compared: Box drilling or key fee | Not stated | None |
| Duplicate Safe Deposit Box Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10X10 (audience not stated, treated as personal) | $72Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10X15 (audience not stated, treated as personal) | $72Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 (audience not stated, treated as personal) | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 (audience not stated, treated as personal) | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 (audience not stated, treated as personal) | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 (audience not stated, treated as personal) | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes 3X5 | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| FedEx Ground/Home Delivery | $30Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| FedEx Overnight Mail | $60Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Duplicate Statement or History | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Fee | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Fee | $1.50Not compared: Charged per page; comparison unavailable | per page | None |
| Look Up Fee (copy of cleared Credit Union check) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Direct Service (mailed to member) | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Image Fax (faxed to member) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Research Look Up Fee (copy of cleared Credit Union check) | $2Inside the U.S. middle 50% ($2 to $5 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 2, 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 Commonwealth Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
18 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
| Frankfort, KY | 3 |
| Georgetown, KY | 2 |
| Lexington, KY | 2 |
| Louisville, KY | 2 |
| Shelbyville, KY | 2 |
| Harrodsburg, KY | 1 |
| Lawrenceburg, KY | 1 |
| Nicholasville, KY | 1 |
Largest competitors nearby
Local market: Franklin county, KY, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| WesBanco Bank, Inc. | 31% |
| Traditional Bank, Inc. | 14.2% |
| Independence Bank of Kentucky | 11.3% |
| First Federal Savings Bank of Kentucky | 9.9% |
| Fifth Third Bank, National Association | 8.3% |
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.