Monterra Federal Credit Union

Headquarters: Redwood City, California
Charter: Credit Union
Assets: $1.9B
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Feb 17, 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 Feb 17, 2026

How these figures are measured

Call-report figures are for Monterra 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.	Monterra Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Monterra 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 $763K in Q2 2026, 29% below the same quarter a year earlier ($1.1M).
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
New Start Checking
Can be waived with a balance of $500 or more.
Monterra Federal Credit Union: $10
Monterra Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Monterra Federal Credit Union: $14
Monterra Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Monterra Federal Credit Union: $2
Monterra Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 31% from Q3 2025 to Q2 2026, to $763K.

Fee income, Q2 2026

$763K

$1.1MQ3 2025

$1.2MQ4 2025

$843KQ1 2026

$763KQ2 2026

Against the median

Monterra 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

Monterra Federal Credit Union · $1.9B 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 19 states.

Credit unions only
$1.8B to $2.1B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Monterra Federal Credit Union(this institution)	Redwood City, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alabama Federal Credit Union	Tuscaloosa, AL	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bay Federal Credit Union	Capitola, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of America	Wichita, KS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Cyprus Federal Credit Union	West Jordan, UT	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Educational Federal Credit Union	Miami, FL	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fibre Federal Credit Union	Longview, WA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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
Horizon Federal Credit Union	Spokane Valley, WA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Indiana University Federal Credit Union	Bloomington, IN	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lafayette Federal Credit Union	Rockville, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Marion And Polk Schools Federal Credit Union	Salem, OR	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Philadelphia Federal Credit Union	Philadelphia, PA	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Publix Employees Federal Credit Union	Lakeland, FL	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Safe Federal Credit Union	Sumter, SC	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Scott Federal Credit Union	Edwardsville, IL	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Self Reliance Ny Federal Credit Union	New York, NY	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Srp Federal Credit Union	North Augusta, SC	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
St. Mary'S Bank Federal Credit Union	Manchester, NH	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Suffolk Federal Credit Union	Medford, NY	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Credit Union, Inc	Lima, OH	$2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Tyndall Federal Credit Union	Panama City, FL	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unitus Community Federal Credit Union	Tigard, OR	$1.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
University Of Kentucky Federal Credit Union	Lexington, KY	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westerra Federal Credit Union	Denver, CO	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Whitefish Credit Union Association	Whitefish, MT	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (100%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5 among 12 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

Monterra Federal Credit U…Peer (equal prices stack)Peer median

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.

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 Monterra 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: $763K
vs prior quarter: −$80K−9.5%; from Q1 2026
vs a year earlier: −$308K−28.8%; from Q2 2025
vs start of range: −$419K−35.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Monterra 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	$763K	−$80K	−9.5%
Q1 2026	$843K	−$308K	−26.8%
Q4 2025	$1.2M	+$44K	+4.0%
Q3 2025	$1.1M	+$36K	+3.4%
Q2 2025	$1.1M	+$32K	+3.1%
Q1 2025	$1.0M	−$110K	−9.6%
Q4 2024	$1.1M	−$33K	−2.8%
Q3 2024	$1.2M	+$77K	+7.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

New Start Checking Monthly service charge$10
per month
Dormancy Charge$5
per month
Invalid Address (failure to notify of address change)$5
per item
Research & Reconciliation of Account$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Fondos insuficientes (NSF) por presentación$14
Non-Sufficient Funds (NSF) per presentment (audience not stated, treated as personal)$14
per item

ATM & Card

ATM Withdrawal— Non-Monterra ATM Network$2
Additional/Replacement card$10

Wire Transfers

Fed Wire Transfer: Domestic (Outgoing)$20
Outgoing Domestic Wire TransfersNo charge
Fed Wire Transfer: IncomingNo charge
Fed Wire Transfer: International (Outgoing)$45

Check Services

Cashier’s CheckNo charge
Cashier’s Check$5
Money Order$1.50
Money OrderNo charge
Stop Payment (ACH, Bill Pay, Check, Money Order)$25
Temporary checks–ONE (1) sheet (checking and HELOC accounts only)$4
Check Cashing Charge—Members with a savings account only with less than $150 balance, cashing a non-Monterra check$4
Collection Item (Foreign or domestic)$30

Digital & Electronic

Mobile Deposit Adjustment$4

Cash & Deposit

Returned Deposit Item (RDI)$10

Account Services

Legal Processing (e.g. levy, subpoena, garnishment, etc.)$50
per item
Legal Processing$50
per item

Retirement & IRA

IRA Closure$35

Gift & Prepaid Cards

Visa Gift CardsNo charge

Fee	Amount	Basis	Note
Account Maintenance
New Start Checking Monthly service charge	$10	per month	None
Dormancy Charge	$5	per month	None
Invalid Address (failure to notify of address change)	$5	per item	None
Research & Reconciliation of Account	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Fondos insuficientes (NSF) por presentación	$14	Not stated	None
Non-Sufficient Funds (NSF) per presentment (audience not stated, treated as personal)	$14	per item	None
ATM & Card
ATM Withdrawal— Non-Monterra ATM Network	$2	Not stated	None
Additional/Replacement card	$10	Not stated	None
Wire Transfers
Fed Wire Transfer: Domestic (Outgoing)	$20	Not stated	None
Outgoing Domestic Wire Transfers	No charge	Not stated	None
Fed Wire Transfer: Incoming	No charge	Not stated	None
Fed Wire Transfer: International (Outgoing)	$45	Not stated	None
Check Services
Cashier’s Check	No charge	Not stated	None
Cashier’s Check	$5	Not stated	None
Money Order	$1.50	Not stated	None
Money Order	No charge	Not stated	None
Stop Payment (ACH, Bill Pay, Check, Money Order)	$25	Not stated	None
Temporary checks–ONE (1) sheet (checking and HELOC accounts only)	$4	Not stated	None
Check Cashing Charge—Members with a savings account only with less than $150 balance, cashing a non-Monterra check	$4	Not stated	None
Collection Item (Foreign or domestic)	$30	Not stated	None
Digital & Electronic
Mobile Deposit Adjustment	$4	Not stated	None
Cash & Deposit
Returned Deposit Item (RDI)	$10	Not stated	None
Account Services
Legal Processing (e.g. levy, subpoena, garnishment, etc.)	$50	per item	None
Legal Processing	$50	per item	None
Retirement & IRA
IRA Closure	$35	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	No charge	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

Correct a fee source

Feb 17, 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

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