Compared with Utah
5 of 20
compared fees are above the median.
9 below, 6 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
40th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Utah median
of 20 compared; 9 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Millard 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 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 Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Millard County Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.9% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (40th 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 $40K in Q2 2026, 2.6% above the same quarter a year earlier ($39K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 20 compared published fees sit above the Utah 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 Utah medians for fees published by banks and credit unions.
Debit Card Replacement
Compared at $12.50, the middle of its prices
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Utah, 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 15% from Q3 2025 to Q2 2026, to $40K. Its share of revenue, 5.9%, is below the 7.2% median for credit unions with under $300M in assets.
$40K
Millard 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 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.
Millard County Federal Credit Union · $65M in assets
Credit unions in Utah
Credit unions headquartered in the same state, for comparing published prices.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Millard County Federal Credit Union(this institution) | Fillmore, UT | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| America First Federal Credit Union | Riverdale, UT | $26B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Canyon View Federal Credit Union | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cyprus Federal Credit Union | West Jordan, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Desert Rivers Federal Credit Union | Moab, UT | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Firefighters Federal Credit Union | Draper, UT | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizon Utah Federal Credit Union | Farmington, UT | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kings Peak Federal Credit Union | Roosevelt, UT | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Logan Medical Federal Credit Union | Logan, UT | $33M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members First Federal Credit Union | Brigham City, UT | $209M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| National J. A. C. L. Federal Credit Union | Salt Lake City, UT | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| New Heights Federal Credit Union | Logan, UT | $28M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| P & S Federal Credit Union | Salt Lake City, UT | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pacific Horizon Federal Credit Union | Springville, UT | $141M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ridgeline Federal Credit Union | Salt Lake City, UT | $28M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Utah Community Federal Credit Union | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Utah Heritage Federal Credit Union | Moroni, UT | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Varex Federal Credit Union | Salt Lake City, UT | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wasatch Peaks Federal Credit Union | Ogden, UT | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
22 peers selected · 9 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $6 among 9 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 26, 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Millard 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 | $40K | −$10K | −20.0% |
| Q1 2026 | $50K | +$6K | +13.6% |
| Q4 2025 | $44K | −$3K | −6.4% |
| Q3 2025 | $47K | +$8K | +20.5% |
| Q2 2025 | $39K | −$8K | −17.0% |
| Q1 2025 | $47K | +$1K | +2.2% |
| Q4 2024 | $46K | +$3K | +7.0% |
| Q3 2024 | $43K | $0 | 0.0% |
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, Millard 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 Millard County Federal Credit Union by share.
Amounts from Millard 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 hour · Account Research / Reconcilement | $25/hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account (with bad address after 12 months of inactivity) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account (after 12 months of inactivity) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Reconcilement | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research / Reconcilement | $25/hour |
| Paper Statement | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address (undeliverable statement or notice) | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| ACH Courtesy Paid (paid insufficient funds) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Paid Check (paid insufficient funds) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Check Insufficient Funds | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| OD Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Subsequent Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Order to Replace Card | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Outgoing domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Incoming domestic) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Check | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Paid Check | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Returned Insufficient Funds | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Check | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (member) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service (Non-Member) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Verification of Deposit | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Account Statement Copy (paper) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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 Millard County Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Delta, UT | 1 |
| Fillmore, UT | 1 |
Largest competitors nearby
Local market: Millard county, UT, around its headquarters.
| 2 in its local market | Deposit share |
|---|---|
| Zions Bancorporation, N.A. | 60.9% |
| State Bank of Southern Utah | 39.1% |
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.