23 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 United Financial 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. | United Financial 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 $571K in Q2 2026, 9.4% above the same quarter a year earlier ($522K).
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
Compared at $4.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 3.4% from Q3 2025 to Q2 2026, to $571K.
$571K
United Financial Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
United Financial Federal Credit Union · $360M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Financial Federal Credit Union(this institution) | Saginaw, MI | $360M | 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 |
| 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 |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| HUDSON RIVER COMMUNITY | Corinth, NY | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial Federal Credit Union | Lafayette, IN | $356M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| My Federal Credit Union | Bloomington, MN | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Peninsula Federal Credit Union | Escanaba, MI | $356M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.50, the middle of its four prices, against a peer median of $5 among 15 publishing peers.
Its four checking prices are $2.99, $3.99, $5 and $10.
$4.50 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 Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for United Financial 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 | $571K | +$32K | +5.9% |
| Q1 2026 | $539K | −$54K | −9.1% |
| Q4 2025 | $593K | +$2K | +0.3% |
| Q3 2025 | $591K | +$69K | +13.2% |
| Q2 2025 | $522K | +$26K | +5.2% |
| Q1 2025 | $496K | −$106K | −17.6% |
| Q4 2024 | $602K | +$9K | +1.5% |
| Q3 2024 | $593K | +$105K | +21.5% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from United Financial Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per hour
per month
per item
per item
per page
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elite Checking Monthly service charge (audience not stated, treated as personal) | $3.99 | per month | None |
| Fresh Start Checking Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Secure Checking Monthly service charge (audience not stated, treated as personal) | $2.99 | per month | None |
| Service charge | $10 | per month | None |
| Inactive Account {after 90 days} | $5 | per month | None |
| Account Research | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (per month) (audience not stated, treated as personal) | $3 | per month | None |
| Bad Address | $5 | Not stated | None |
| Bad Address on Statement (per statement) (audience not stated, treated as personal) | $10 | Not stated | None |
Overdraft & NSF | |||
| NSF ACH Debit, Debit Card Overdraft (audience not stated, treated as personal) | $30 | Not stated | None |
| Overdraft (each overdraft paid) (audience not stated, treated as personal) | $30 | per item | None |
| Item Returned for Non-Sufficient Funds (NSF) | $30 | Not stated | None |
| NSF Second Party Check (audience not stated, treated as personal) | $30 | Not stated | None |
| Overdraft Protection Transfer (audience not stated, treated as personal) | $5 | Not stated | None |
| Share-to-Share Overdraft Transfer | $5 | Not stated | None |
ATM & Card | |||
| Plastic Card Replacement | $10 | Not stated | None |
| Debit Card International Transaction | 1%of the transaction | Not stated | None |
| Debit Card International Transaction (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Outgoing | $40 | Not stated | None |
| Wire Transfers (incoming) (audience not stated, treated as personal) | $5 | Not stated | None |
| Wire Transfers (outgoing International) (audience not stated, treated as personal) | $75 | Not stated | None |
Check Services | |||
| Cashier Check (payable to third party) | $5 | Not stated | None |
| Cashier's Check (any amount) (audience not stated, treated as personal) | $5 | Not stated | None |
| Money Order (audience not stated, treated as personal) | $5 | Not stated | None |
| Money Orders (each) (audience not stated, treated as personal) | $5 | per item | None |
| In-House Check Printing | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Stop Payments | $30 | Not stated | None |
| Non-Member Check Cashing | $10 | per item | None |
| Collection Items (audience not stated, treated as personal) | $40 | Not stated | None |
| Copy of Check (audience not stated, treated as personal) | $5 | Not stated | None |
| Photocopy of Paid Member Check or CU Issued Check (audience not stated, treated as personal) | $5 | per item | None |
Cash & Deposit | |||
| Cash Advance Fee | $5 | Not stated | None |
| Cash Advance Fee {Non-Member} | $50 | Not stated | None |
Account Services | |||
| Notary | $10 | Not stated | None |
| Notary/Medallion {Members} | $5 | Not stated | None |
| 10 x 10 (Pinconning Only) | $60 | Not stated | None |
| 3X10 (All Locations) | $36 | Not stated | None |
| 3x5 (Auburn & Pinconning Office Only) | $24 | Not stated | None |
| 5x5 (Weiss Only) | $30 | Not stated | None |
| Replacement Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $48 | Not stated | None |
| Garnishment | $50 | Not stated | None |
| IRS Levy/Garnishments (audience not stated, treated as personal) | $75 | Not stated | None |
| Legal Process | $25 | Not stated | None |
| Subpoena | $15 | per item | None |
| Account Verification | $10 | Not stated | None |
Other Fees | |||
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy (audience not stated, treated as personal) | $2Not compared: Charged per page; comparison unavailable | per page | 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 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.
Fee change alerts
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