21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 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 Nov 3, 2026
Call-report figures are for Lake Trust 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. | Lake Trust Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $2.3M in Q2 2026, 0.9% above the same quarter a year earlier ($2.3M).
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
ADD ACCOUNT
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $20, the middle of its prices
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 2.7% from Q3 2025 to Q2 2026, to $2.3M.
$2.3M
Lake Trust Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Lake Trust Federal Credit Union · $2.9B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lake Trust Federal Credit Union(this institution) | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aberdeen Proving Ground Federal Credit Union | Aberdeen, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrews Federal Credit Union | Suitland, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bayport Federal Credit Union | Newport News, VA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Capital Federal Credit Union | Green Bay, WI | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commonwealth Federal Credit Union | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connecticut State Employees Federal Credit Union | Hartford, CT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Florida Federal Credit Union | Gainesville, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii State Federal Credit Union | Honolulu, HI | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Oregon State Federal Credit Union | Corvallis, OR | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Three Rivers Federal Credit Union | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Y-12 Federal Credit Union | Oak Ridge, TN | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5 among 16 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 3, 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Lake Trust 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 | $2.3M | +$131K | +5.9% |
| Q1 2026 | $2.2M | +$486K | +28.2% |
| Q4 2025 | $1.7M | −$681K | −28.3% |
| Q3 2025 | $2.4M | +$85K | +3.7% |
| Q2 2025 | $2.3M | −$75K | −3.1% |
| Q1 2025 | $2.4M | −$150K | −5.9% |
| Q4 2024 | $2.5M | −$23K | −0.9% |
| Q3 2024 | $2.6M | +$109K | +4.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Lake Trust Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10 | per month | None |
| Low Balance Savings Monthly Fee | $3 | per month | None |
| Escheated Account Fee | $100 | Not stated | None |
| Inactive Account Monthly Fee (1 year of inactivity) | $2 | per month | None |
| Account Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Processing Fee (per statement) | $2 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay: Transactions | $32 | Not stated | None |
| Courtesy Pay: Transactions | $20 | Not stated | None |
| Courtesy Pay: Transactions | $10 | Not stated | None |
| Non-Sufficient Funds (NSF): Transactions | $32 | Not stated | None |
| Non-Sufficient Funds (NSF): Transactions | $10 | Not stated | None |
| Non-Sufficient Funds (NSF): Transactions | $20 | Not stated | None |
ATM & Card | |||
| Debit Card Reissue Fee | $5 | Not stated | None |
| Debit Card Rush Fee | $30 | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Outgoing (Domestic) | $25 | Not stated | None |
| Wire Transfer: Incoming | $5 | Not stated | None |
| Wire Transfer: Outgoing (International) | $50 | Not stated | None |
Check Services | |||
| Official Check (Cashier’s Check) | $5 | Not stated | None |
| Purchase of Official Check (Cashier’s Check) | $4 | Not stated | None |
| Money Order | $5 | Not stated | None |
| Purchase of Money Order | $3 | Not stated | None |
| Stop Payment | $32 | Not stated | None |
| Temporary Checks (per four checks) | $1 | Not stated | None |
| On-Us Check Cashing Fee (Non-Member) | $5 | Not stated | None |
Digital & Electronic | |||
| Bill Pay Electronic Expedited Payments | $5 | Not stated | None |
| Bill Pay Overnight Check Payments | $25 | Not stated | None |
Cash & Deposit | |||
| Deposited Check Returned Unpaid | $10 | Not stated | None |
Account Services | |||
| Notary Service | No charge | Not stated | None |
| Legal Garnishment | $100 | Not stated | None |
Other Fees | |||
| Loan Payment Extension Fee (Skip-a-Payment) | $35 | Not stated | None |
Nov 3, 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
We check once a day and send one email covering every change.