Compared with Minnesota
8 of 21
compared fees are above the median.
9 below, 4 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
58th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 21 compared; 9 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
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) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B 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 Minnesota median | Published fees above the Minnesota 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
Fee income was 8.9% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (58th 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 $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.
8 of 21 compared published fees sit above the Minnesota 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 Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Fee income rose 4.8% from Q3 2025 to Q2 2026, to $823K. Its share of revenue, 8.9%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$823K
Minnco 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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 Minnco 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 | $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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Minnco 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 Minnco Federal Credit Union by share.
Amounts from Minnco Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per day
per day
per item
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Classic Checking Below Minimum Balance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Plus Checking Below Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee–Monthly | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Invalid Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds Returned Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replace Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | 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 | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Cancel | $25Below the U.S. middle 50% ($40 to $50 nationally) | 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) | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (one free per day) | $5Not compared: Daily charge, not per item | per day | None |
| ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (per check) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Cashier’s Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Image | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Image (First 10 transactions per month) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return | $30Inside the U.S. middle 50% ($19.50 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee (Finance Charge) | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return Check Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Non-Member Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill/Replace Lock (includes keys) | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy or Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (after 10 days) | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee (if not paid by 1 st of month) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Photocopy (per page) | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement/Document Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payment Due Date Change | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Other Lending Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per year
per month
per hour
per day
per day
per item
per year
per year
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Plus Checking Below Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee–Monthly | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Invalid Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds Returned Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replace Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic-Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Cancel | $25Below the U.S. middle 50% ($40 to $50 nationally) | 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 | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (per check) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Cashier’s Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Image | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return | $30Inside the U.S. middle 50% ($19.50 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee (Finance Charge) | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return Check Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Non-Member Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill/Replace Lock (includes keys) | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy or Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (after 10 days) | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee (if not paid by 1 st of month) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Photocopy (per page) | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement/Document Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payment Due Date Change | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Other Lending Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Minnco Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Cambridge, MN | 2 |
| Andover, MN | 1 |
| Big Lake, MN | 1 |
| Isanti, MN | 1 |
| North Branch, MN | 1 |
| Princeton, MN | 1 |
| Vadnais Heights, MN | 1 |
Largest competitors nearby
Local market: Isanti county, MN, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| First Bank & Trust | 27% |
| Wells Fargo Bank, National Association | 25.6% |
| Security Bank & Trust Company | 25.2% |
| Frandsen Bank & Trust | 11.7% |
| Falcon National Bank | 10.6% |
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.