Compared with Illinois
6 of 22
compared fees are above the median.
13 below, 3 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
88th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Illinois median
of 22 compared; 13 below, 3 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Land Of Lincoln 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Land Of Lincoln Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (88th 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 $1.3M in Q2 2026, 7.7% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 22 compared published fees sit above the Illinois median; 13 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 Illinois medians for fees published by banks and credit unions.
Monthly Maintenance
Regular Checking Plus
Can be waived with a minimum balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
Compared at $22.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 2.7% from Q3 2025 to Q2 2026, to $1.3M. Its share of revenue, 14%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.3M
Land Of Lincoln 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.
Land Of Lincoln Federal Credit Union · $499M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Land Of Lincoln Federal Credit Union(this institution) | Decatur, IL | $499M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 802 Federal Credit Union | Barre, VT | $508M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Rochester, NY | $498M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Carolinas Telco Federal Credit Union | Charlotte, NC | $506M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commonwealth One Federal Credit Union | Alexandria, VA | $502M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dirigo Federal Credit Union | Lewiston, ME | $498M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Harvest Federal Credit Union | Deptford, NJ | $484M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Garden Savings Federal Credit Union | Parsippany, NJ | $496M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Healthcare Associates Federal Credit Union | Lisle, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holy Rosary Federal Credit Union | Rochester, NH | $508M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jolt Federal Credit Union | Saginaw, MI | $484M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Levo Federal Credit Union | Sioux Falls, SD | $516M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loc Federal Credit Union | Farmington, MI | $485M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Maui County Federal Credit Union | Wailuku, HI | $488M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Memphis City Employees Federal Credit Union | Memphis, TN | $503M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nizari Progressive Federal Credit Union | Sugar Land, TX | $505M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Security First Federal Credit Union | Mcallen, TX | $517M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tampa Bay Federal Credit Union | Tampa, FL | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Teg Federal Credit Union | Poughkeepsie, NY | $507M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telcoe Federal Credit Union | Little Rock, AR | $503M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topside Federal Credit Union | Dahlgren, VA | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trax Federal Credit Union | Tampa, FL | $485M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valleystar Federal Credit Union | Martinsville, VA | $503M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | 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 · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $7 among 11 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 Land Of Lincoln 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 | $1.3M | +$70K | +5.9% |
| Q1 2026 | $1.2M | −$175K | −12.8% |
| Q4 2025 | $1.4M | +$70K | +5.4% |
| Q3 2025 | $1.3M | +$125K | +10.7% |
| Q2 2025 | $1.2M | +$63K | +5.7% |
| Q1 2025 | $1.1M | −$152K | −12.1% |
| Q4 2024 | $1.3M | −$70K | −5.3% |
| Q3 2024 | $1.3M | +$73K | +5.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Land Of Lincoln 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 Land Of Lincoln Federal Credit Union by share.
Amounts from Land Of Lincoln Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per quarter
per hour
per month
per statement · Paper Statement (per statement cycle) | $2.00 | Charged to have printed statement mailed to you. (avoid by signing up for eStatements in online or mobile banking).*
per month
per item
per item
per item
per month
per year
per year
per year
per year
per year
per year
per page · Statement Copy or Print Out (per page) | $1.00 | Charged to obtain a copy of a statement or current print out.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Regular Checking Plus Service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee | $24Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant/Inactive Fee (per quarter) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Balancing/Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (per statement cycle) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Paper Statement (per statement cycle) | $2Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement (per statement cycle) | $2.00 | Charged to have printed statement mailed to you. (avoid by signing up for eStatements in online or mobile banking).* |
| Returned Mail (monthly) | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check Where Member is Not Maker | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee from Savings Account (first 6 per month are free) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawal (Non‑Bank ATM) (first 6 free) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA Debit Card Replacement Fee (lost) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire (Send) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire (Receive) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire (Send) (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Corporate/Official Check Issued (each) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Request (per item) (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks - 8 (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Images Mailed (per month) (audience not stated, treated as personal) | $5Not compared: Monthly charge, not per item | per month | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Deposited Check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Payment Rush - by Mail | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Payment Rush - Electronic | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 15x15 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x11 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x11 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6x10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 9x10 | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Orders | $35Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Maintenance Fee | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card Fee for Members | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Gift Card Fee for Non-Members | $6Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy or Print Out (per page) | $1Not compared: Charged per page; comparison unavailable | per page | Statement Copy or Print Out (per page) | $1.00 | Charged to obtain a copy of a statement or current print out. |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 30, 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 Land Of Lincoln Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
15 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Decatur, IL | 4 |
| Effingham, IL | 2 |
| Mattoon, IL | 2 |
| Centralia, IL | 1 |
| Colchester, IL | 1 |
| Nokomis, IL | 1 |
| Normal, IL | 1 |
| Pana, IL | 1 |
Largest competitors nearby
Local market: Macon county, IL, around its headquarters.
| 19 in its local market | Deposit share |
|---|---|
| Busey Bank | 21.5% |
| Hickory Point Bank and Trust | 20.1% |
| First Mid Bank & Trust, National Association | 17.8% |
| Regions Bank | 12.2% |
| PNC Bank, National Association | 6.9% |
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.