Compared with Kentucky
11 of 15
compared fees are above the median.
2 below, 2 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
77th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 15 compared; 2 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Service One 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Service One Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (77th 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 $542K in Q2 2026, 9.9% above the same quarter a year earlier ($493K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 15 compared published fees sit above the Kentucky median; 2 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 Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Choice Plus Checking
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 6.1% from Q3 2025 to Q2 2026, to $542K. Its share of revenue, 12%, is above the 7.2% median for credit unions with under $300M in assets.
$542K
Service One 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.
Service One Federal Credit Union · $269M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Service One Federal Credit Union(this institution) | Bowling Green, KY | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Aneca Federal Credit Union | Shreveport, LA | $274M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Auburn University Federal Credit Union | Auburn, AL | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Department Of The Interior Federal Credit Union | Washington, DC | $268M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Edwards Federal Credit Union | Edwards, CA | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gold Coast Federal Credit Union | Palm Springs, FL | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Illiana Financial Federal Credit Union | Calumet City, IL | $264M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Landings Federal Credit Union | Tempe, AZ | $263M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Long Beach City Employees Federal Credit Union | Signal Hill, CA | $271M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marshland Federal Credit Union | Brunswick, GA | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Trust Of The Southwest Federal Credit Union | Houston, TX | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midcoast Federal Credit Union | Freeport, ME | $267M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Community Federal Credit Union | Defiance, OH | $267M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnequa Works Federal Credit Union | Pueblo, CO | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Niagara'S Choice Federal Credit Union | Niagara Falls, NY | $265M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| One Federal Credit Union | Springfield, VT | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Penn State Federal Credit Union | Bellefonte, PA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| People'S Community Federal Credit Union | Vancouver, WA | $269M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puget Sound Cooperative Federal Credit Union | Bellevue, WA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saint Lawrence Federal Credit Union | Ogdensburg, NY | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spc Federal Credit Union | Hartsville, SC | $266M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity One Federal Credit Union | Fort Worth, TX | $276M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Weststar Federal Credit Union | Las Vegas, NV | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $6.75 among 8 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
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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Service One 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 | $542K | +$53K | +10.8% |
| Q1 2026 | $489K | −$23K | −4.5% |
| Q4 2025 | $512K | +$1K | +0.2% |
| Q3 2025 | $511K | +$18K | +3.7% |
| Q2 2025 | $493K | +$67K | +15.7% |
| Q1 2025 | $426K | −$42K | −9.0% |
| Q4 2024 | $468K | −$18K | −3.7% |
| Q3 2024 | $486K | +$43K | +9.7% |
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, Service One 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 Service One Federal Credit Union by share.
Amounts from Service One 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
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per hour · Legal Review and Processing (subpoenas, POA, guardianship, other) | $100.00 per hour plus all costs
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Choice Plus Checking Monthly Maintenance Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account (no activity for three years) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Processing (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (member requested, non-legal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement on Checking Account (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail due to Bad Address | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Insufficient Funds Fee (audience not stated, treated as personal) | $28.95Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item due to Garnishment (audience not stated, treated as personal) | $28.95Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-Service One ATM use over eight times per month (audience not stated, treated as personal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Reissue of One Card (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Conversion of check or collection item to Cashier's Check (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier's Check or Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (audience not stated, treated as personal) | $28.95Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Cashing Check (>$50.00) (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Signature notarized and recorded (Non-Member only) | $25Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Attachment or Garnishment (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Legal Review and Processing (subpoenas, POA, guardianship, other) | $100Not compared: Charged per hour; comparison unavailable | per hour | Legal Review and Processing (subpoenas, POA, guardianship, other) | $100.00 per hour plus all costs |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 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
Nov 1, 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 Service One Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bowling Green, KY | 2 |
| Glasgow, KY | 1 |
| Hopkinsville, KY | 1 |
| Russellville, KY | 1 |
| Scottsville, KY | 1 |
Largest competitors nearby
Local market: Warren county, KY, around its headquarters.
| 22 in its local market | Deposit share |
|---|---|
| American Bank & Trust Company, Inc. | 20.1% |
| U.S. Bank National Association | 13.3% |
| Truist Bank | 10.7% |
| Independence Bank of Kentucky | 7.8% |
| South Central Bank, Inc. | 7.1% |
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.