Compared with Missouri
6 of 19
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
27th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 19 compared; 9 below, 4 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Highway Crossroads 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 2,932 credit unions with under $300M 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 Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Highway Crossroads Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (27th 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 $17K in Q2 2026, 21% above the same quarter a year earlier ($14K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 19 compared published fees sit above the Missouri 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 Missouri medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 15% from Q3 2025 to Q2 2026, to $17K. Its share of revenue, 4.0%, is below the 7.2% median for credit unions with under $300M in assets.
$17K
Highway Crossroads 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Highway Crossroads Federal Credit Union · $24M in assets
Credit unions in the St. Louis Fed district
Credit unions headquartered in the same Fed district, for comparing published prices.
Showing the 50 closest in assets of 101 peers; medians use all 101.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Highway Crossroads Federal Credit Union(this institution) | Sikeston, MO | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Academic Employees Federal Credit Union | Columbia, MO | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alcoa Community Federal Credit Union | Benton, AR | $70M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ampot Federal Credit Union | Hamilton, MS | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Arkansas Education Association Federal Credit Union | Little Rock, AR | $8M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Arkansas Health Center Federal Credit Union | Benton, AR | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bar-Cons Federal Credit Union | Columbus, IN | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beacon Community Federal Credit Union | Louisville, KY | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Business And Industrial Federal Credit Union | Columbus, IN | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Clifty Creek Employees Federal Credit Union | Madison, IN | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cm Members Federal Credit Union | Columbus, MS | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community First Federal Credit Union | Hannibal, MO | $9M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cooperative Extension Service Federal Credit Union | Little Rock, AR | $5M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| County Federal Credit Union | Clayton, MO | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Daviess County Teachers Federal Credit Union | Owensboro, KY | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| De Soto Mo Pac Federal Credit Union | De Soto, MO | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dillard'S Federal Credit Union | Little Rock, AR | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Electric Cooperatives Federal Credit Union | Little Rock, AR | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Foundation Federal Credit Union | Springfield, MO | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Garland County Educators Federal Credit Union | Hot Springs, AR | $5M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Green River Area Federal Credit Union | Owensboro, KY | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Health Care Family Federal Credit Union | Saint Louis, MO | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Healthnet Federal Credit Union | Cordova, TN | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Highway Alliance Federal Credit Union | Jefferson city, MO | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Horizon Federal Credit Union | Macon, MO | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hurricane Creek Federal Credit Union | Benton, AR | $72M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Joplin Metro Federal Credit Union | Joplin, MO | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kennedy Va Employees Federal Credit Union | Memphis, TN | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kraftcor Federal Credit Union | Hawesville, KY | $12M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakeside Federal Credit Union | New Johnsonville, TN | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Louisville Gas And Electric Company Federal Credit Union | Louisville, KY | $50M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lutheran Federal Credit Union | Saint Louis, MO | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Main Impact Federal Credit Union | Murray, KY | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Saint Louis, MO | $76M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Natural State Federal Credit Union | Searcy, AR | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| One Vision Federal Credit Union | Clarksville, IN | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Equity Federal Credit Union | Jackson, TN | $33M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Pba Federal Credit Union | Pine Bluff, AR | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Priority Federal Credit Union | Russellville, AR | $8M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Town Federal Credit Union | Fort Smith, AR | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Valley Community Federal Credit Union | Camden, AR | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southeast Missouri Community Federal Credit Union | Park Hills, MO | $6M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southern Gas Federal Credit Union | Little Rock, AR | $6M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Louis Policemen`S Federal Credit Union | saint louis, MO | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The West Tennessee Federal Credit Union | Atoka, TN | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truservice Community Federal Credit Union | Little Rock, AR | $53M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Two Rivers Federal Credit Union | Arkadelphia, AR | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Up Federal Credit Union | North Little Rock, AR | $32M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Va Hospital Federal Credit Union | Little Rock, AR | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| White County Federal Credit Union | Searcy, AR | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
101 peers selected · 33 publish this fee(monthly maintenance)
68 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3.95, against a peer median of $5 among 33 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, among the 50 peers shown
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 Highway Crossroads 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 | $17K | +$1K | +6.3% |
| Q1 2026 | $16K | −$1K | −5.9% |
| Q4 2025 | $17K | −$3K | −15.0% |
| Q3 2025 | $20K | +$6K | +42.9% |
| Q2 2025 | $14K | −$5K | −26.3% |
| Q1 2025 | $19K | +$1K | +5.6% |
| Q4 2024 | $18K | −$1K | −5.3% |
| Q3 2024 | $19K | −$19K | −50.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Highway Crossroads 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 Highway Crossroads Federal Credit Union by share.
Amounts from Highway Crossroads Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per quarter
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $3.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premature Membership Account Closing (Within 90 days of opening) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee (charged quarterly) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Inactivity fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper Statement Print Fee (For members joining after 06/01/2017) | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Nonsufficient ACH/Check Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM cash withdrawal - United States | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM cash withdrawal fee—US | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| International ATM balance inquiry | No chargeBelow the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| International ATM withdrawal | $1.50Below the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International transaction fee | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check (issued from member account) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (ACH / Check) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Fee (originated by HCCU) | $2Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination Fee (using mobile app) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| One Click Bill Payment Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited checks (and other items) returned unpaid | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (members) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service (non-members) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Loan Origination Fee (funded loans) | $100Above the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card Purchase Prepaid Reloadable CardTeller Loading of Prepaid Cards | No chargeNot compared: Annual charge, not per item | per year | None |
| Prepaid Reloadable Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Skip a Pay Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Subsequent Action Loan Modification Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 15, 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 Highway Crossroads Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Sikeston, MO | 1 |
Largest competitors nearby
Local market: Scott and New Madrid counties, MO, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Montgomery Bank | 23% |
| Southern Bank | 11.8% |
| First State Bank and Trust Company, Inc. | 9.9% |
| Alliance Bank | 9.2% |
| First Midwest Bank of Dexter | 7.6% |
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.