Compared with Michigan
17 of 23
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
72nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 23 compared; 4 below, 2 about the same
See the feesFee 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) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B 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 Michigan median | Published fees above the Michigan 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 10% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (72nd 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 $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.
17 of 23 compared published fees sit above the Michigan 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 Michigan 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
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. Its share of revenue, 10%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$571K
United Financial 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2.99 to $10; we compare the midpoint.
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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, United Financial 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 United Financial Federal Credit Union by share.
Amounts from United Financial 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 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) | $3.99Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fresh Start Checking Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Secure Checking Monthly service charge (audience not stated, treated as personal) | $2.99Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account {after 90 days} | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Bad Address on Statement (per statement) (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF ACH Debit, Debit Card Overdraft (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft (each overdraft paid) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Item Returned for Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Second Party Check (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Share-to-Share Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Plastic Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers (incoming) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers (outgoing International) (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check (payable to third party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check (any amount) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (each) (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| In-House Check Printing | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Items (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of Paid Member Check or CU Issued Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Cash Advance Fee {Non-Member} | $50Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary/Medallion {Members} | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10 x 10 (Pinconning Only) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3X10 (All Locations) | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5 (Auburn & Pinconning Office Only) | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x5 (Weiss Only) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Replacement Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| IRS Levy/Garnishments (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Legal Process | $25Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Subpoena | $15Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | 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.
Where United Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Saginaw, MI | 3 |
| Bridgeport, MI | 2 |
| Auburn, MI | 1 |
| Bay City, MI | 1 |
| Chesaning, MI | 1 |
| Freeland, MI | 1 |
| Pinconning, MI | 1 |
Largest competitors nearby
Local market: Saginaw county, MI, around its headquarters.
| 18 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 31.4% |
| JPMorgan Chase Bank, National Association | 15% |
| 1st State Bank | 11.9% |
| PNC Bank, National Association | 10.8% |
| Independent Bank | 8.1% |
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.