Compared with Michigan
10 of 19
compared fees are above the median.
5 below, 4 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
70th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 19 compared; 5 below, 4 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for Best 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 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 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. | Best Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (70th 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 $298K in Q2 2026, 8.3% below the same quarter a year earlier ($325K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 19 compared published fees sit above the Michigan median; 5 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
Second Chance Checking
Overdraft (OD)
NSF / Returned Item
Compared at $21.50, the middle of its prices
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 17% from Q3 2025 to Q2 2026, to $298K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$298K
Best 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 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.
Best Financial Federal Credit Union · $154M in assets
Banks and credit unions in the Grand Rapids-Wyoming-Kentwood, MI metro
Banks and credit unions with branches in the Grand Rapids-Wyoming-Kentwood, MI metro: the local competitors for deposits and customers. They range from $7M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 60 peers; medians use all 60.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Best Financial Federal Credit Union(this institution) | Muskegon, MI | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1166 Federal Credit Union | Swedesboro, NJ | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 4Front Federal Credit Union | Traverse City, MI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A T & T Employees Pittsburgh Federal Credit Union | Pittsburgh, PA | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aac Federal Credit Union | Grand Rapids, MI | $212M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aeroquip Federal Credit Union | Jackson, MI | $52M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blue Water Federal Credit Union | Port Huron, MI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commercial Bank | Ithaca, MI | $553M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Choice Federal Credit Union | Farmington Hills, MI | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Lakeview, MI | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers Insurance Federal Credit Union | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank of America | East Lansing, MI | $6.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Florida Customs Federal Credit Union | Tampa, FL | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Garden Island Federal Credit Union | Lihue, HI | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Genisys Federal Credit Union | Auburn Hills, MI | $6.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gr Consumers Federal Credit Union | Wyoming, MI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Honor Federal Credit Union | Berrien Springs, MI | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ignite Federal Credit Union | Battle Creek, MI | $380M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Independent Bank | Grand Rapids, MI | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kellogg Community Federal Credit Union | Battle Creek, MI | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kenowa Community Federal Credit Union | Wyoming, MI | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lake Michigan Federal Credit Union | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Madison County Federal Credit Union | Anderson, IN | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Maui Teachers Federal Credit Union | Wailuku, HI | $38M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members First Federal Credit Union | Midland, MI | $905M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mercantile Bank | Grand Rapids, MI | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Michigan State University Federal Credit Union | East Lansing, MI | $8.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Montcalm Public Employees Federal Credit Union | Edmore, MI | $27M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Muskegon Federal Credit Union | Muskegon, MI | $81M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| North Central Area Federal Credit Union | Houghton Lake, MI | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northpointe Bank | Grand Rapids, MI | $7.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parda Federal Credit Union | Auburn Hills, MI | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pfcu Federal Credit Union | Portland, MI | $873M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pittsburgh Federal Credit Union | Pittsburgh, PA | $12M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Preferred Federal Credit Union | Grand Rapids, MI | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Federal Credit Union | Orlando, FL | $56M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Valley Federal Credit Union | Ada, MI | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spojnia Federal Credit Union | Scranton, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Straits Area Federal Credit Union | Cheboygan, MI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Thornapple Federal Credit Union | Hastings, MI | $79M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Total Community Federal Credit Union | Taylor, MI | $111M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trunorth Federal Credit Union | Ishpeming, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Wmcu Federal Credit Union | Grand Rapids, MI | $455M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
60 peers selected · 22 publish this fee(monthly maintenance)
38 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7.75 among 22 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Best 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 | $298K | +$25K | +9.2% |
| Q1 2026 | $273K | +$99K | +56.9% |
| Q4 2025 | $174K | −$186K | −51.7% |
| Q3 2025 | $360K | +$35K | +10.8% |
| Q2 2025 | $325K | +$4K | +1.2% |
| Q1 2025 | $321K | −$74K | −18.7% |
| Q4 2024 | $395K | +$28K | +7.6% |
| Q3 2024 | $367K | +$29K | +8.6% |
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, Best 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 Best Financial Federal Credit Union by share.
Amounts from Best 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 hour · Account Reconciliation / Research | $25.00 per hour min.
per item
per month
per item
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat & Legal / Government Processing | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation / Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation / Research | $25.00 per hour min. |
| Paper Statement Processing | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Return Mail / Bad Address | $15Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Unpaid | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM / Debit Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited ATM / Debit Card | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing / domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming / domestic) | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check / Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Personal and Cashiers) | $28Inside 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 |
| Foreign Item Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Account Printout / Statement / Fax / Check Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| ACH Origination (One Time) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | one time | None |
| Bill Pay Inactivity | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Mortgage Subordination | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card (One Time Use) | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | one time | None |
| VISA Gift Card (Reloadable) | $7.50Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Skip-A-Payment | $30Inside 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 23, 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 Best Financial 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
| Muskegon, MI | 1 |
| Spring Lake, MI | 1 |
Largest competitors nearby
Local market: Muskegon county, MI, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 36.5% |
| PNC Bank, National Association | 19% |
| The Huntington National Bank | 17.1% |
| ChoiceOne Bank | 16.3% |
| The Shelby State Bank | 5.7% |
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.