My Federal Credit Union

Headquarters: Bloomington, Minnesota
Charter: Credit Union
Assets: $366.4M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 22, 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 22, 2026

How these figures are measured

Call-report figures are for My 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.	My Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 22, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: My 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 $228K in Q2 2026, 12% above the same quarter a year earlier ($204K).
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
My Federal Credit Union: No fee
My Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Compared at $27, its standard fee, the highest of its prices
My Federal Credit Union: $14 to $27
My Federal Credit Union: $14 to $27
U.S. median: no median
NSF / Returned Item
My Federal Credit Union: $27
My Federal Credit Union: $27
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

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.

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 fell 70% from Q3 2025 to Q2 2026, to $228K.

Fee income, Q2 2026

$228K

$749KQ3 2025

-$96KQ4 2025

$281KQ1 2026

$228KQ2 2026

Against the median

My 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

My Federal Credit Union · $366M 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 20 states.

Credit unions only
$358M to $375M in assets
Headquartered in 20 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
My Federal Credit Union(this institution)	Bloomington, MN	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aero Federal Credit Union	Glendale, AZ	$364M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Affidian Federal Credit Union	Denver, CO	$360M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Allegiance Federal Credit Union	Oklahoma City, OK	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
C-Plant Federal Credit Union	Paducah, KY	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cardinal Credit Union, Inc.	Mentor, OH	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Class Act Federal Credit Union	Louisville, KY	$365M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Alliance Federal Credit Union	Rochester, MN	$358M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Capital Federal Credit Union	York, PA	$368M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Basin Federal Credit Union	Reno, NV	$373M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Great Northwest Federal Credit Union	Aberdeen, WA	$375M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HUDSON RIVER COMMUNITY	Corinth, NY	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marshall Community Federal Credit Union	Marshall, MI	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mass Bay Federal Credit Union	South Boston, MA	$367M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Mobility Credit Union	Irving, TX	$358M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Panhandle Federal Credit Union	Panama City, FL	$368M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pasadena Federal Credit Union	Pasadena, CA	$375M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peopleschoice Federal Credit Union	Biddeford, ME	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Piedmont Advantage Credit Union	Winston Salem, NC	$368M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharepoint Federal Credit Union	Bloomington, MN	$360M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Signal Financial Federal Credit Union	Kensington, MD	$364M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Jean'S Federal Credit Union	lynn, MA	$373M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Summit Federal Credit Union	Greensboro, NC	$369M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sunbelt Federal Credit Union	Hattiesburg, MS	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Financial Federal Credit Union	Saginaw, MI	$360M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Waterbury Connecticut Teachers Federal Credit Union	Waterbury, CT	$365M	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (100%) below the median of similar-sized credit unions.

Its published price is $0, against a peer median of $5 among 14 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

My Federal Credit UnionPeer (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 Nov 1, 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 My 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: $228K
vs prior quarter: −$53K−18.9%; from Q1 2026
vs a year earlier: +$24K+11.8%; from Q2 2025
vs start of range: −$9K−3.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: My 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	$228K	−$53K	−18.9%
Q1 2026	$281K	+$377K
Q4 2025	-$96K	−$845K
Q3 2025	$749K	+$545K	+267.2%
Q2 2025	$204K	+$10K	+5.2%
Q1 2025	$194K	−$14K	−6.7%
Q4 2024	$208K	−$29K	−12.2%
Q3 2024	$237K	+$25K	+11.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly FeeNo charge
per month
Closing Account (within 90 days of account opening)$25
Dormant Fee$10
per month
Account Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$40
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee (Max 4 per day $of $108)$27
per item
Debit Card Overdraft$14
per item
NSF Fee$27
per item

ATM & Card

Other Fees: - Replacement Card$10
per item
Rushed Card Fee$30
per item
ATM/Debit International Transactions (audience not stated, treated as personal)1%

Wire Transfers

Wire Out Proof of Payment$25
per item
Wire Out Transfer (Domestic)$30
per item
Wire In Transfer (Domestic)$5
per item
Wire Cancellation (International)$59
Wire Out Transfer (International)$100
per item
Wire In Transfer (International)$5
per item

Check Services

Cashier Check$5
per item
ACH Stop Payment$35
per item
Check Stop Payment$35
per item
Starter Checks$5
per item
Check Cashing$10
per item
On-Us Check Cashing$10
per item
Items Sent for Collection$15
per item
Check Copy$5
per item

Digital & Electronic

ACH Same Day Transfer$25
per item

Account Services

Notary$10
Late Payment$8
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 10” x 10”$120
Safe Deposit Box 3” x 10”$50
Safe Deposit Box 3” x 5”$25
Safe Deposit Box 5” x 10”$80
Safe Deposit Box 5” x 5”$40
Safe Deposit Box 6" x 10"$90
Legal Process (Levy, Garnishment, or Summons)$100
per item

Lending Fees

Late Payment$29

Retirement & IRA

IRA Transfer Fee (Only if closing and funds are going to another Financial Institution)$25
per item

Other Fees

Document Copy$3
per item
Statement Copy$5
per item
Copy of Lien Release$10
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Closing Account (within 90 days of account opening)	$25	Not stated	None
Dormant Fee	$10	per month	None
Account Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee (Max 4 per day $of $108)	$27	per item	None
Debit Card Overdraft	$14	per item	None
NSF Fee	$27	per item	None
ATM & Card
Other Fees: - Replacement Card	$10	per item	None
Rushed Card Fee	$30	per item	None
ATM/Debit International Transactions (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Wire Out Proof of Payment	$25	per item	None
Wire Out Transfer (Domestic)	$30	per item	None
Wire In Transfer (Domestic)	$5	per item	None
Wire Cancellation (International)	$59	Not stated	None
Wire Out Transfer (International)	$100	per item	None
Wire In Transfer (International)	$5	per item	None
Check Services
Cashier Check	$5	per item	None
ACH Stop Payment	$35	per item	None
Check Stop Payment	$35	per item	None
Starter Checks	$5	per item	None
Check Cashing	$10	per item	None
On-Us Check Cashing	$10	per item	None
Items Sent for Collection	$15	per item	None
Check Copy	$5	per item	None
Digital & Electronic
ACH Same Day Transfer	$25	per item	None
Account Services
Notary	$10	Not stated	None
Late Payment	$8Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 10” x 10”	$120	Not stated	None
Safe Deposit Box 3” x 10”	$50	Not stated	None
Safe Deposit Box 3” x 5”	$25	Not stated	None
Safe Deposit Box 5” x 10”	$80	Not stated	None
Safe Deposit Box 5” x 5”	$40	Not stated	None
Safe Deposit Box 6" x 10"	$90	Not stated	None
Legal Process (Levy, Garnishment, or Summons)	$100	per item	None
Lending Fees
Late Payment	$29	Not stated	None
Retirement & IRA
IRA Transfer Fee (Only if closing and funds are going to another Financial Institution)	$25	per item	None
Other Fees
Document Copy	$3	per item	None
Statement Copy	$5	per item	None
Copy of Lien Release	$10	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 22, 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

Get an email when My Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.