Arizona Central Federal Credit Union

Headquarters: Phoenix, Arizona
Charter: Credit Union
Assets: $733.4M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 8, 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 Oct 8, 2026

How these figures are measured

Call-report figures are for Arizona Central 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.	Arizona Central Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Arizona Central 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 $992K in Q2 2026, 11% 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
Simple Checking
Arizona Central Federal Credit Union: $10
Arizona Central Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Arizona Central Federal Credit Union: $32
Arizona Central Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Arizona Central Federal Credit Union: $2
Arizona Central Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arizona, 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).
Arizona: Banks and credit unions headquartered in Arizona 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 7.9% from Q3 2025 to Q2 2026, to $992K.

Fee income, Q2 2026

$992K

$1.1MQ3 2025

$1.4MQ4 2025

$1.1MQ1 2026

$992KQ2 2026

Against the median

Arizona Central 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

Arizona Central Federal Credit Union · $733M 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.

Credit unions only
$714M to $752M in assets
Headquartered in 18 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
Arizona Central Federal Credit Union(this institution)	Phoenix, AZ	$733M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bmi Federal Credit Union	Dublin, OH	$732M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dakotaland Federal Credit Union	Huron, SD	$752M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Department Of Commerce Federal Credit Union	Washington, DC	$739M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Generations Community Federal Credit Union	San Antonio, TX	$735M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gfa Federal Credit Union	Gardner, MA	$747M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Granite State Federal Credit Union	Manchester, NH	$749M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Legacy Community Federal Credit Union	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mass. Institute Of Tech. Federal Credit Union	Lexington, MA	$731M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meridian Trust Federal Credit Union	Cheyenne, WY	$731M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Federal Credit Union	Mountain Home, ID	$744M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Primeway Federal Credit Union	Houston, TX	$736M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
R.I.A. Federal Credit Union	Rock Island, IL	$749M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Choice Federal Credit Union	Superior, WI	$730M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Financial Federal Credit Union	Pasadena, CA	$748M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Usc Federal Credit Union	Los Angeles, CA	$741M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.05 (68%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.95 among 17 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

Arizona Central Federal C…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 Arizona Central 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: $992K
vs prior quarter: −$108K−9.8%; from Q1 2026
vs a year earlier: −$117K−10.6%; from Q2 2025
vs start of range: +$53K+5.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Arizona Central 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	$992K	−$108K	−9.8%
Q1 2026	$1.1M	−$275K	−20.0%
Q4 2025	$1.4M	+$298K	+27.7%
Q3 2025	$1.1M	−$32K	−2.9%
Q2 2025	$1.1M	+$74K	+7.1%
Q1 2025	$1.0M	−$87K	−7.8%
Q4 2024	$1.1M	+$183K	+19.5%
Q3 2024	$939K	−$7K	−0.7%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Simple Checking Monthly Fee$10
per month
Below Minimum Balance$15
per month
Single Service/Low Balance Fee$5
per month
Escheated Membership Fee$100
Inactive Membership Fee$10
per month
Paper Statement Fee$2
per month
Undeliverable Address$10
per month

Overdraft & NSF

Non-Sufficient Funds Per Presentment$32
per item

ATM & Card

Excessive ATM Withdrawals$2
per item
Visa Rush Order$50

Wire Transfers

Outgoing Wire: Domestic$20
Outgoing Wire: Domestic-Preauthorized$15
Outgoing Wire: International$50

Check Services

Cashier's Check Payable to Others$2
Stop Payment Fee-all payment types$32
Stop Payment on Recurring Visa Transactions at select merchants$32
Check Cashing$5
Check Cashing (single service members)$5
Foreign Item Collection$30
Copy of Paid Check$15

Digital & Electronic

Online Bill PayNo charge
Zelle®No charge

Cash & Deposit

Returned Deposit: 3rd party originated$10
Returned Deposit: Member originated$50

Account Services

Legal Document Processing Fee$25
per item
Mortgage Subordination Processing Fee$225

Other Fees

Statement Copies$2
Skip A Pay (Terms Apply)$25

Fee	Amount	Basis	Note
Account Maintenance
Simple Checking Monthly Fee	$10	per month	None
Below Minimum Balance	$15	per month	None
Single Service/Low Balance Fee	$5	per month	None
Escheated Membership Fee	$100	Not stated	None
Inactive Membership Fee	$10	per month	None
Paper Statement Fee	$2	per month	None
Undeliverable Address	$10	per month	None
Overdraft & NSF
Non-Sufficient Funds Per Presentment	$32	per item	None
ATM & Card
Excessive ATM Withdrawals	$2	per item	None
Visa Rush Order	$50	Not stated	None
Wire Transfers
Outgoing Wire: Domestic	$20	Not stated	None
Outgoing Wire: Domestic-Preauthorized	$15	Not stated	None
Outgoing Wire: International	$50	Not stated	None
Check Services
Cashier's Check Payable to Others	$2	Not stated	None
Stop Payment Fee-all payment types	$32	Not stated	None
Stop Payment on Recurring Visa Transactions at select merchants	$32	Not stated	None
Check Cashing	$5	Not stated	None
Check Cashing (single service members)	$5	Not stated	None
Foreign Item Collection	$30	Not stated	None
Copy of Paid Check	$15	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Cash & Deposit
Returned Deposit: 3rd party originated	$10	Not stated	None
Returned Deposit: Member originated	$50	Not stated	None
Account Services
Legal Document Processing Fee	$25	per item	None
Mortgage Subordination Processing Fee	$225	Not stated	None
Other Fees
Statement Copies	$2	Not stated	None
Skip A Pay (Terms Apply)	$25	Not stated	None

Correct a fee source

Oct 8, 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 Arizona Central Federal Credit Union's safe deposit box changes in our data

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