Compared with Michigan
4 of 19
compared fees are above the median.
9 below, 6 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 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 19 compared; 9 below, 6 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Aac 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. | Aac Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M 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 $362K in Q2 2026, 1.7% above the same quarter a year earlier ($356K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 19 compared published fees sit above the Michigan median; 9 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.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Compared at $25, 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 5.2% from Q3 2025 to Q2 2026, to $362K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$362K
Aac 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.
Aac Federal Credit Union · $212M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Aac Federal Credit Union(this institution) | Grand Rapids, MI | $212M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Liberty Federal Credit Union | Great Falls, MT | $214M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Access Community Federal Credit Union | Amarillo, TX | $211M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alta Vista Federal Credit Union | Redlands, CA | $209M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Beacon Federal Credit Union | La Porte, TX | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bluestone Federal Credit Union | Sioux Falls, SD | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cooperative Choice Network Federal Credit Union | Peoria, IL | $206M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fire Police City County Federal Credit Union | Fort Wayne, IN | $207M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier Community Federal Credit Union | Leavenworth, KS | $210M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| H E B Federal Credit Union | San Antonio, TX | $218M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members First Federal Credit Union | Brigham City, UT | $209M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Merco Federal Credit Union | Merced, CA | $207M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Hills Federal Credit Union | Sturgis, SD | $205M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Okunity Federal Credit Union | Stillwater, OK | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palisades Federal Credit Union | Pearl River, NY | $212M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Priority One Federal Credit Union | South Pasadena, CA | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Railway Federal Credit Union | Mandan, ND | $212M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Red Wing Federal Credit Union | Red Wing, MN | $208M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Stark Federal Credit Union | canton, OH | $218M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | $213M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| U.P. State Federal Credit Union | Escanaba, MI | $210M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Consumers Federal Credit Union | Independence, MO | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.23 among 14 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Aac Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Aac 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 | $362K | +$10K | +2.8% |
| Q1 2026 | $352K | +$175K | +98.9% |
| Q4 2025 | $177K | −$205K | −53.7% |
| Q3 2025 | $382K | +$26K | +7.3% |
| Q2 2025 | $356K | −$15K | −4.0% |
| Q1 2025 | $371K | −$12K | −3.1% |
| Q4 2024 | $383K | +$6K | +1.6% |
| Q3 2024 | $377K | +$21K | +5.9% |
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, Aac 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 Aac Federal Credit Union by share.
Amounts from Aac Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account (After 12 months inactivity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fax Mortgage Payoff | $15Inside the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
| Address Correction by Post Office/Return Statements | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF / Check | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF / Debit | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Item | $27Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction Fee (Non Co-op/Jeanie Machine) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Money Orders/Cashier's Checks | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment - ACH | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment / Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Draft/Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| EasyPay Online Bill Pay (FREE w/ direct deposit & e-statements) | $4.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Garnishments (per garnishment) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Home Equity Subordination | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Payment Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA transfer to other financial institution (if account closed) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $5Not compared: Monthly charge, not per item | per month | None |
| Loan Processing (Term 12 months or less) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance (Less than 6 months) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 13, 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 Aac Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Grand Rapids, MI | 2 |
| Holland, MI | 2 |
| Zeeland, MI | 2 |
| East Greenville, PA | 1 |
| Spring Lake, MI | 1 |
Largest competitors nearby
Local market: Kent and Ottawa counties, MI, around its headquarters.
| 37 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 20% |
| The Huntington National Bank | 17.2% |
| Northpointe Bank | 16.4% |
| JPMorgan Chase Bank, National Association | 9.3% |
| Macatawa Bank, National Association | 9.1% |
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.