12 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 9, 2026.
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 9, 2026
Call-report figures are for Central State 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. | Central State Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $181K in Q2 2026, 17% below the same quarter a year earlier ($218K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Additional Checking / Share Draft $5 · Fresh Start Checking Account $15
Compared at $10, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 25% from Q3 2025 to Q2 2026, to $181K.
$181K
Central State Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Central State Federal Credit Union · $258M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Central State Federal Credit Union(this institution) | Stockton, CA | $258M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bridge Federal Credit Union | Powell, OH | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cacl Federal Credit Union | Pottsville, PA | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Community Federal Credit Union | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elevate Federal Credit Union | Brigham City, UT | $260M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gerber Federal Credit Union | Fremont, MI | $260M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ghs Federal Credit Union | Binghamton, NY | $253M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Coast Federal Credit Union | Corpus Christi, TX | $260M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hidden River Federal Credit Union | Pottsville, PA | $259M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Highmark Federal Credit Union | Rapid City, SD | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Keys Federal Credit Union | Key West, FL | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Landings Federal Credit Union | Tempe, AZ | $263M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Moog Employees Federal Credit Union | East Aurora, NY | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mygeorgia Federal Credit Union | Gainesville, GA | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Jersey Federal Credit Union | Totowa, NJ | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Federal Credit Union | Springfield, VT | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Red Crown Federal Credit Union | Tulsa, OK | $257M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Heritage Federal Credit Union | Odessa, TX | $261M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Family Federal Credit Union | Davenport, IA | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tremont Federal Credit Union | Boston, MA | $256M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truchoice Federal Credit Union | Portland, ME | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truecore Federal Credit Union | Newark, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Usx Federal Credit Union | Cranberry Twp, PA | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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
Compared at $10, the middle of its two prices, against a peer median of $6.49 among 10 publishing peers.
Its two checking prices are $5 and $15.
$10 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 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 Central State 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 | $181K | +$29K | +19.1% |
| Q1 2026 | $152K | −$100K | −39.7% |
| Q4 2025 | $252K | +$10K | +4.1% |
| Q3 2025 | $242K | +$24K | +11.0% |
| Q2 2025 | $218K | −$21K | −8.8% |
| Q1 2025 | $239K | −$29K | −10.8% |
| Q4 2024 | $268K | −$6K | −2.2% |
| Q3 2024 | $274K | +$9K | +3.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Central State Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per hour
per month
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Additional Checking / Share Draft Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Fresh Start Checking Account Monthly service charge | $15 | per month | None |
| Reconciliation/Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement | $3 | per month | None |
| Missing/Bad Address - per Year | $10Not compared: Annual charge, not monthly | per year | None |
Overdraft & NSF | |||
| NSF Withdrawal-Courtesy pay | $14 | Not stated | None |
| Paid NSF Fee - Check or Pre-Authorized Debit | $14 | per item | None |
| Sustained Overdraft Fee | $5 | per day | None |
ATM & Card | |||
| Mastercard Cross Border Fee | 0.9%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $35 | Not stated | None |
Check Services | |||
| Corporate Check Issued to 3rd party | $10 | Not stated | None |
| Check Cashing Fee | $10 | Not stated | None |
| Collection Item - Domestic | $30 | Not stated | None |
| Collection Item - International | $35 | Not stated | None |
| Copy of Bill Payment Check | $15 | per item | None |
| Copy of Deposited Item | $10 | Not stated | None |
Cash & Deposit | |||
| Coinstar Coin Machine | 5% | Not stated | None |
Account Services | |||
| Levy, Garnishment or Subpoena | $100 | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maintenance | $15 | per year | None |
| IRA Transfer/Rollover | $20 | 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
per month
per month
per month
per year
per month
per hour
per month
per year
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Account Monthly service charge | $15 | per month | None |
| Average Daily Balance falls below minimum | $5 | per month | None |
| Early Account Closure within 1st 90 days | $15 | Not stated | None |
| Dormant Account (12 months inactive) | $5 | per month | None |
| Escheat Notice-per year | $2Not compared: Annual charge, not monthly | per year | None |
| Inactive Checking Account | $10 | per month | None |
| Reconciliation/Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement | $3 | per month | None |
| Missing/Bad Address - per Year | $10Not compared: Annual charge, not monthly | per year | None |
Overdraft & NSF | |||
| NSF Withdrawal-Courtesy pay | $14 | Not stated | None |
| Paid NSF Fee - Check or Pre-Authorized Debit | $14 | per item | None |
| NSF Fee Pre-Authorized Savings Debit | $14 | per item | None |
| Sustained Overdraft Fee | $5 | per day | None |
| Overdraft Transfer from Shares | $3 | per item | None |
ATM & Card | |||
| ATM/Debit Card Replacement | $5Not compared: Monthly charge, not per item | per month | None |
| Mastercard Cross Border Fee | 0.9%of the transaction | Not stated | None |
| Mastercard Currency Conversion Fee | 0.2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $35 | Not stated | None |
| Wire Transfer - International | $45 | Not stated | None |
Check Services | |||
| Corporate Check Issued to 3rd party | $10 | Not stated | None |
| Corporate Check Stop Payment | $25 | Not stated | None |
| Reverse Stop Payment Request | $20 | Not stated | None |
| Stop Payment Bill Payment Check | $30 | Not stated | None |
| Stop Payment on Automatic Debit (savings) | $20 | Not stated | None |
| Check Cashing Fee | $10 | Not stated | None |
| Collection Item - Domestic | $30 | Not stated | None |
| Collection Item - International | $35 | Not stated | None |
| Check Copies: After 2 per Month | $5 | per item | None |
| Check Copies: Counter/Temp Checks (4 cks) | $5 | Not stated | None |
| Copy of Bill Payment Check | $15 | per item | None |
| Copy of Corporate Check | $10 | Not stated | None |
| Copy of Deposited Item | $10 | Not stated | None |
Digital & Electronic | |||
| On-Line Bill Payment Service | No charge | Not stated | None |
Cash & Deposit | |||
| Coinstar Coin Machine | 5% | Not stated | None |
Account Services | |||
| Notary Fee | $15 | per item | None |
| Levy, Garnishment or Subpoena | $100 | Not stated | None |
| Verification of Deposit | $25 | per item | None |
Retirement & IRA | |||
| IRA Annual Maintenance | $15 | per year | None |
| IRA Transfer/Rollover | $20 | Not stated | None |
Other Fees | |||
| Copy of Statement or Account Print out | $6 | Not stated | None |
| Photocopy Fee | $1 | per item | None |
Oct 9, 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.
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