Thornapple Federal Credit Union

Headquarters: Hastings, Michigan
Charter: Credit Union
Assets: $79.2M
Fed district: Chicago
Regulator: NCUA

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

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

How these figures are measured

Call-report figures are for Thornapple 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.	Thornapple 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

Details

Source: NCUA 5300 call report
Entity: Thornapple Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $265K in Q2 2026, 3.6% below the same quarter a year earlier ($275K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Secure Checking $3 · Basic Checking $5
Compared at $4, the middle of its prices
Thornapple Federal Credit Union: $3 to $5
Thornapple Federal Credit Union: $3 to $5
U.S. median: no median
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Thornapple Federal Credit Union: $5 to $30
Thornapple Federal Credit Union: $5 to $30
U.S. median: no median
NSF / Returned Item
Thornapple Federal Credit Union: $30
Thornapple Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 6.7% from Q3 2025 to Q2 2026, to $265K.

Fee income, Q2 2026

$265K

$284KQ3 2025

$274KQ4 2025

$252KQ1 2026

$265KQ2 2026

Against the median

Thornapple Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Thornapple Federal Credit Union · $79M 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).

Banks and credit unions
$7M to $4.1T in assets
Headquartered in 13 states

Showing the 50 closest in assets of 60 peers; medians use all 60.

See the 50 institutions shown

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Thornapple Federal Credit Union(this institution)	Hastings, MI	$79M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
Best Financial Federal Credit Union	Muskegon, MI	$154M	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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (56%) below the median of local competitors.

Compared at $4, the middle of its two prices, against a peer median of $9 among 22 publishing peers.

Its two checking prices are $3 and $5.

$4 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Thornapple Federal Credit…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Hamilton

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Thornapple Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $265K
vs prior quarter: +$13K+5.2%; from Q1 2026
vs a year earlier: −$10K−3.6%; from Q2 2025
vs start of range: +$21K+8.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Thornapple Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$265K	+$13K	+5.2%
Q1 2026	$252K	−$22K	−8.0%
Q4 2025	$274K	−$10K	−3.5%
Q3 2025	$284K	+$9K	+3.3%
Q2 2025	$275K	+$27K	+10.9%
Q1 2025	$248K	−$14K	−5.3%
Q4 2024	$262K	+$18K	+7.4%
Q3 2024	$244K	+$5K	+2.1%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Thornapple Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Monthly Fee$5
per month · waived if 62 or older) $5.00
Secure Checking Monthly Fee$3
per month
Inactive Fee; no deposit or withdraw for 12 months on balances of or less, per month$5
per month
Account reconciliation/research fee per hour; min 1 hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned mail bad address$5

Overdraft & NSF

NSF/Courtesy Pay per transaction$30
per transaction
Overdraft$5
Overdraft Fee; applies when an overdraft is caused by a draft, ACH, or debit transaction$25
Non-sufficient Funds; per draft, ACH, debit, or ATM transaction$30
per item
Returned check$30

ATM & Card

ATM withdrawal; after five @ a non-co-op machine$1
Replacement Mastercard, ATM, Debit card; after first time$10
Replacement Mastercard, ATM, Debit card; first time$5

Wire Transfers

Outgoing Wire Transfer$20

Check Services

Cashiers Checks$2
Money Orders$1
Stop Payment; per ACH, draft, block of drafts, or money order$30
Temporary Starter Checks$4
one time · 4 checks
Temporary starter checks (4)$4
Check cashing; per check$2
per item
Non-member check cashing$5
Draft copies$5

Cash & Deposit

Coin machine3%
Cash advance on non-TCU chip only cards$5

Account Services

Safe Deposit Large Box Rental Fee per year; Delton office only$100
per year
Safe Deposit Small Box Rental Fee per year; Delton office only$75
per year
Garnishment Fee$50
Verification of deposit or asset$10

Gift & Prepaid Cards

Visa gift cards$5

Other Fees

Document Reproduction$2
Not compared: Monthly charge, not per item
per month
Statement copy per Statement <18 months$2

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Monthly Fee	$5	per month	waived if 62 or older) $5.00
Secure Checking Monthly Fee	$3	per month	None
Inactive Fee; no deposit or withdraw for 12 months on balances of or less, per month	$5	per month	None
Account reconciliation/research fee per hour; min 1 hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned mail bad address	$5	Not stated	None
Overdraft & NSF
NSF/Courtesy Pay per transaction	$30	per transaction	None
Overdraft	$5	Not stated	None
Overdraft Fee; applies when an overdraft is caused by a draft, ACH, or debit transaction	$25	Not stated	None
Non-sufficient Funds; per draft, ACH, debit, or ATM transaction	$30	per item	None
Returned check	$30	Not stated	None
ATM & Card
ATM withdrawal; after five @ a non-co-op machine	$1	Not stated	None
Replacement Mastercard, ATM, Debit card; after first time	$10	Not stated	None
Replacement Mastercard, ATM, Debit card; first time	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Check Services
Cashiers Checks	$2	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment; per ACH, draft, block of drafts, or money order	$30	Not stated	None
Temporary Starter Checks	$4	one time	4 checks
Temporary starter checks (4)	$4	Not stated	None
Check cashing; per check	$2	per item	None
Non-member check cashing	$5	Not stated	None
Draft copies	$5	Not stated	None
Cash & Deposit
Coin machine	3%	Not stated	None
Cash advance on non-TCU chip only cards	$5	Not stated	None
Account Services
Safe Deposit Large Box Rental Fee per year; Delton office only	$100	per year	None
Safe Deposit Small Box Rental Fee per year; Delton office only	$75	per year	None
Garnishment Fee	$50	Not stated	None
Verification of deposit or asset	$10	Not stated	None
Gift & Prepaid Cards
Visa gift cards	$5	Not stated	None
Other Fees
Document Reproduction	$2Not compared: Monthly charge, not per item	per month	None
Statement copy per Statement <18 months	$2	Not stated	None

Correct a fee source

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

Get an email when Thornapple Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.