Minnco Federal Credit Union

Headquarters: Cambridge, Minnesota
Charter: Credit Union
Assets: $604.7M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 11, 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 11, 2026

How these figures are measured

Call-report figures are for Minnco 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.	Minnco Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Minnco 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 $823K in Q2 2026, 6.3% above the same quarter a year earlier ($774K).
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.

Overdraft (OD)
Minnco Federal Credit Union: $30
Minnco Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Minnco Federal Credit Union: $30
Minnco Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Minnco Federal Credit Union: $15
Minnco Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 rose 4.8% from Q3 2025 to Q2 2026, to $823K.

Fee income, Q2 2026

$823K

$785KQ3 2025

$862KQ4 2025

$766KQ1 2026

$823KQ2 2026

Against the median

Minnco 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

Minnco Federal Credit Union · $605M 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.

Credit unions only
$583M to $627M in assets
Headquartered in 16 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
Minnco Federal Credit Union(this institution)	Cambridge, MN	$605M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ascentra Federal Credit Union	Bettendorf, IA	$596M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Credit Union of Texas	League City, TX	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Willamette Federal Credit Union	Albany, OR	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Co-Op Federal Credit Union	Black River Falls, WI	$627M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Diversified Members Federal Credit Union	Detroit, MI	$589M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dugood Federal Credit Union	Beaumont, TX	$609M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Educators Federal Credit Union	Waco, TX	$610M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Embers Federal Credit Union	Marquette, MI	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Embold Federal Credit Union	Oregon City, OR	$596M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Fairmont Federal Credit Union	Fairmont, WV	$603M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Floridacentral Federal Credit Union	Tampa, FL	$622M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Homeland Federal Credit Union	Chillicothe, OH	$624M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
I.L.W.U. Federal Credit Union	Long Beach, CA	$608M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Police Federal Credit Union	Chicago, IL	$621M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Securityplus Federal Credit Union	Baltimore, MD	$597M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Siu Federal Credit Union	Carbondale, IL	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southpoint Financial Federal Credit Union	Sleepy Eye, MN	$609M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Tech Federal Credit Union	Crown Point, IN	$599M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Town & Country Federal Credit Union	South Portland, ME	$621M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transcend Federal Credit Union	Louisville, KY	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Via Credit Union	Marion, IN	$604M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ 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

Minnco Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $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

Minnco Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Minnco Federal Credit Uni…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Minnco 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: $823K
vs prior quarter: +$57K+7.4%; from Q1 2026
vs a year earlier: +$49K+6.3%; from Q2 2025
vs start of range: −$520K−38.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Minnco 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	$823K	+$57K	+7.4%
Q1 2026	$766K	−$96K	−11.1%
Q4 2025	$862K	+$77K	+9.8%
Q3 2025	$785K	+$11K	+1.4%
Q2 2025	$774K	−$18K	−2.3%
Q1 2025	$792K	−$552K	−41.1%
Q4 2024	$1.3M	+$1K	+0.1%
Q3 2024	$1.3M	+$72K	+5.7%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Below Minimum Balance Fee$5
Classic Checking Below Minimum Balance Fee$3
Plus Checking Below Minimum Balance Fee$5
Dormant Account Fee–Monthly$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee$10

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Returned Fee$30

ATM & Card

Replace Card$10
Replacement Card$10
Rush Fee$25
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Domestic-Outgoing$15
International Wire$50
International Wire Cancel$25

Check Services

Cashier’s Check (one free per day)$5
Not compared: Daily charge, not per item
per day
Cashier’s Check (Second Withdrawal) (audience not stated, treated as personal)$25
Money Order (one free per day)$5
Not compared: Daily charge, not per item
per day
ACH Stop Payment$25
Stop Payment (per check)$25
per item
Cashier’s Check Copy$3
Check Image$5
Check Image (First 10 transactions per month) (audience not stated, treated as personal)No charge

Digital & Electronic

ACH Return$30

Cash & Deposit

Cash Advance Fee (Finance Charge)$5
Return Check Fee$25

Account Services

Non-Member Notary$5
Drill/Replace Lock (includes keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$30
per year
Levy or Garnishment$100

Lending Fees

Late Fee (after 10 days)$20
Late Fee (if not paid by 1 st of month)$25

Other Fees

Photocopy (per page)$0.10
per item
Statement Copy$3
Statement/Document Copy Fee$5
per item
Duplicate Lien Release$10
Loan Payment Due Date Change$25
Other Lending Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5	Not stated	None
Classic Checking Below Minimum Balance Fee	$3	Not stated	None
Plus Checking Below Minimum Balance Fee	$5	Not stated	None
Dormant Account Fee–Monthly	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Returned Fee	$30	Not stated	None
ATM & Card
Replace Card	$10	Not stated	None
Replacement Card	$10	Not stated	None
Rush Fee	$25	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic-Outgoing	$15	Not stated	None
International Wire	$50	Not stated	None
International Wire Cancel	$25	Not stated	None
Check Services
Cashier’s Check (one free per day)	$5Not compared: Daily charge, not per item	per day	None
Cashier’s Check (Second Withdrawal) (audience not stated, treated as personal)	$25	Not stated	None
Money Order (one free per day)	$5Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$25	Not stated	None
Stop Payment (per check)	$25	per item	None
Cashier’s Check Copy	$3	Not stated	None
Check Image	$5	Not stated	None
Check Image (First 10 transactions per month) (audience not stated, treated as personal)	No charge	Not stated	None
Digital & Electronic
ACH Return	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (Finance Charge)	$5	Not stated	None
Return Check Fee	$25	Not stated	None
Account Services
Non-Member Notary	$5	Not stated	None
Drill/Replace Lock (includes keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Levy or Garnishment	$100	Not stated	None
Lending Fees
Late Fee (after 10 days)	$20	Not stated	None
Late Fee (if not paid by 1 st of month)	$25	Not stated	None
Other Fees
Photocopy (per page)	$0.10	per item	None
Statement Copy	$3	Not stated	None
Statement/Document Copy Fee	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Other Lending Fee	$30	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

Account Maintenance

Below Minimum Balance Fee$5
Business Plus Checking Below Min. Balance Fee$5
Not compared: Annual charge, not monthly
per year
Classic Checking Below Minimum Balance Fee$3
Plus Checking Below Minimum Balance Fee$5
Dormant Account Fee–Monthly$5
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee$10

Overdraft & NSF

Courtesy Pay Fee$30
Non-sufficient Funds Returned Fee$30

ATM & Card

Replace Card$10
Replacement Card$10
Rush Fee$25

Wire Transfers

Wire Transfers: Domestic-Outgoing$15
International Wire$50
International Wire Cancel$25

Check Services

Cashier’s Check (one free per day)$5
Not compared: Daily charge, not per item
per day
Money Order (one free per day)$5
Not compared: Daily charge, not per item
per day
ACH Stop Payment$25
Stop Payment (per check)$25
per item
Cashier’s Check Copy$3
Check Image$5

Digital & Electronic

ACH Return$30

Cash & Deposit

Cash Advance Fee (Finance Charge)$5
Return Check Fee$25

Account Services

Non-Member Notary$5
Drill/Replace Lock (includes keys)$250
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$80
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 5 x 10$60
per year
Safe Deposit Box 5 x 5$30
per year
Levy or Garnishment$100

Lending Fees

Late Fee (after 10 days)$20
Late Fee (if not paid by 1 st of month)$25

Other Fees

Photocopy (per page)$0.10
per item
Statement Copy$3
Statement/Document Copy Fee$5
per item
Duplicate Lien Release$10
Loan Payment Due Date Change$25
Other Lending Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5	Not stated	None
Business Plus Checking Below Min. Balance Fee	$5Not compared: Annual charge, not monthly	per year	None
Classic Checking Below Minimum Balance Fee	$3	Not stated	None
Plus Checking Below Minimum Balance Fee	$5	Not stated	None
Dormant Account Fee–Monthly	$5	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$30	Not stated	None
Non-sufficient Funds Returned Fee	$30	Not stated	None
ATM & Card
Replace Card	$10	Not stated	None
Replacement Card	$10	Not stated	None
Rush Fee	$25	Not stated	None
Wire Transfers
Wire Transfers: Domestic-Outgoing	$15	Not stated	None
International Wire	$50	Not stated	None
International Wire Cancel	$25	Not stated	None
Check Services
Cashier’s Check (one free per day)	$5Not compared: Daily charge, not per item	per day	None
Money Order (one free per day)	$5Not compared: Daily charge, not per item	per day	None
ACH Stop Payment	$25	Not stated	None
Stop Payment (per check)	$25	per item	None
Cashier’s Check Copy	$3	Not stated	None
Check Image	$5	Not stated	None
Digital & Electronic
ACH Return	$30	Not stated	None
Cash & Deposit
Cash Advance Fee (Finance Charge)	$5	Not stated	None
Return Check Fee	$25	Not stated	None
Account Services
Non-Member Notary	$5	Not stated	None
Drill/Replace Lock (includes keys)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$80	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 5 x 10	$60	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Levy or Garnishment	$100	Not stated	None
Lending Fees
Late Fee (after 10 days)	$20	Not stated	None
Late Fee (if not paid by 1 st of month)	$25	Not stated	None
Other Fees
Photocopy (per page)	$0.10	per item	None
Statement Copy	$3	Not stated	None
Statement/Document Copy Fee	$5	per item	None
Duplicate Lien Release	$10	Not stated	None
Loan Payment Due Date Change	$25	Not stated	None
Other Lending Fee	$30	Not stated	None

Correct a fee source

Oct 11, 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 Minnco Federal Credit Union's foreign transaction changes in our data

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