Compared with Minnesota
14 of 20
compared fees are above the median.
4 below, 2 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
31st percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 20 compared; 4 below, 2 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for City & County 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. | City & County 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 5.0% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (31st 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 $728K in Q2 2026, 2.8% below the same quarter a year earlier ($749K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
14 of 20 compared published fees sit above the Minnesota 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 Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
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 fell 6.1% from Q3 2025 to Q2 2026, to $728K. Its share of revenue, 5.0%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$728K
City & County 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.
City & County Federal Credit Union · $1.2B 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 |
|---|---|---|---|---|---|---|---|
| City & County Federal Credit Union(this institution) | Saint Paul, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearwater Federal Credit Union | Missoula, MT | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Denver | Lakewood, CO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Diamond Federal Credit Union | Pottstown, PA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Savings Federal Credit Union | Rainbow City, AL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honda Federal Credit Union | Torrance, CA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Justice Federal Credit Union | Chantilly, VA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Cooperative Federal Credit Union | Duluth, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Country Federal Credit Union | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Safe 1 Federal Credit Union | Bakersfield, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Salal Federal Credit Union | Seattle, WA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Seattle Metropolitan Federal Credit Union | Seattle, WA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Selfreliance Federal Credit Union | Chicago, IL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Los Angeles, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Vantage Federal Credit Union | Saint Charles, MO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vibrant Federal Credit Union | Moline, IL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wildfire Federal Credit Union | Saginaw, MI | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 10 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
City & County Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 City & County 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 | $728K | +$8K | +1.1% |
| Q1 2026 | $720K | −$92K | −11.3% |
| Q4 2025 | $812K | +$37K | +4.8% |
| Q3 2025 | $775K | +$26K | +3.5% |
| Q2 2025 | $749K | +$33K | +4.6% |
| Q1 2025 | $716K | −$132K | −15.6% |
| Q4 2024 | $848K | −$447K | −34.5% |
| Q3 2024 | $1.3M | +$1.0M | +356.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, City & County 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 City & County Federal Credit Union by share.
Amounts from City & County 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 hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Advantage Checking Below Minimum Balance | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Advantage Plus Checking Below Minimum Balance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market Below Minimum Balance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (audience not stated, treated as personal) | $4Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/Non-Sufficient Funds | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned ACH | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Replacement for Debit/ATM | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit/ATM Card Rush Order | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - Outgoing: Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Outgoing: International | $55Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $10Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Copies of Deposited Items | $8Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination from other Financial Institution | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item (1st Party) | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposited Item (3rd Party) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Mortgage Subordination | $200Above the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Other Fees | |||
| Statement Copies | $8Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | 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
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 City & County Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 offices in 4 states (June 30, 2026)
Hover a state for its office count.
Cities with the most offices
| Golden Valley, MN | 2 |
| Brooklyn Park, MN | 1 |
| Cedar Rapids, IA | 1 |
| Eagan, MN | 1 |
| Hannibal, MO | 1 |
| Lake Elmo, MN | 1 |
| Maplewood, MN | 1 |
| Minnetonka, MN | 1 |
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.