Compared with Michigan
15 of 23
compared fees are above the median.
4 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
93rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 23 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Consumers 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 452 credit unions with $1B to $10B 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. | Consumers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (93rd 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 $8.1M in Q2 2026, 46% above the same quarter a year earlier ($5.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
15 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.
Overdraft (OD)
Monthly Maintenance
Compared at $5, the middle of its prices
Wire Transfer (Domestic Out)
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 rose 31% from Q3 2025 to Q2 2026, to $8.1M. Its share of revenue, 14%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$8.1M
Consumers 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
Consumers 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 |
|---|---|---|---|---|---|---|---|
| Consumers Federal Credit Union(this institution) | Oshtemo, 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 |
| 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 |
| 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 |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its two prices, against a peer median of $5 among 15 publishing peers.
Its two checking prices are $0 and $10.
$5 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 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 Consumers 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 | $8.1M | +$2.4M | +42.3% |
| Q1 2026 | $5.7M | −$365K | −6.0% |
| Q4 2025 | $6.1M | −$140K | −2.3% |
| Q3 2025 | $6.2M | +$651K | +11.7% |
| Q2 2025 | $5.6M | +$803K | +16.9% |
| Q1 2025 | $4.8M | −$484K | −9.2% |
| Q4 2024 | $5.2M | −$189K | −3.5% |
| Q3 2024 | $5.4M | −$31K | −0.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Consumers 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 Consumers Federal Credit Union by share.
Amounts from Consumers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee – Average daily | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee – Average daily | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive account fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Balancing fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement delivery | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Paid item (non-Courtesy Pay) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Personalized checks Call for pricing Courtesy Pay overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Card reissue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit card rush fee (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee | 2%of the transaction | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International wire transfer | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Online Banking Stop payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment for convenience checks or balance transfer | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary check requested | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check cashing fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Non-member check cashing fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection item | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Cashiers check copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check copy (in person or phone) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Convenience check copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Debit/Credit Origination | $30Not compared: Monthly charge, not per item | per month | None |
| Copy (Bill Pay item) | $25Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Cash advance | 4%of the advance ($5 minimum) | Not stated | None |
| Cash advance (audience not stated, treated as personal) | 4%of the advance ($5 minimum) | Not stated | None |
| Returned Deposited Item (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 3″x10″ = | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5″x10″ = | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Deposit Boxes (all boxes are 22” deep) 10” x 10” | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subordination agreement processing | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Subpoena information requests | $45Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Statement copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fee to skip a payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 11, 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 Consumers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
35 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Kalamazoo, MI | 8 |
| Grand Rapids, MI | 5 |
| Lansing, MI | 3 |
| Holland, MI | 2 |
| Muskegon, MI | 2 |
| Portage, MI | 2 |
| Battle Creek, MI | 1 |
| Coldwater, MI | 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.