First Pace Federal Credit Union

Headquarters: West St Paul, Minnesota
Charter: Credit Union
Assets: $8.7M
Fed district: Minneapolis
Regulator: NCUA

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

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

How these figures are measured

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

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First Pace 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 $2K in Q2 2026, 33% below the same quarter a year earlier ($3K).
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.

NSF / Returned Item
Compared at $27.50, the middle of its prices
First Pace Federal Credit Union: $25 to $30
First Pace Federal Credit Union: $25 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
First Pace Federal Credit Union: $20 to $25
First Pace Federal Credit Union: $20 to $25
U.S. median: no median
Stop Payment
First Pace Federal Credit Union: $30
First Pace Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 fell 50% from Q3 2025 to Q2 2026, to $2K.

Fee income, Q2 2026

$2K

$4KQ3 2025

$2KQ4 2025

$2KQ1 2026

$2KQ2 2026

Against the median

First Pace 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

First Pace Federal Credit Union · $9M 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 14 states.

Credit unions only
$8M to $9M in assets
Headquartered in 14 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
First Pace Federal Credit Union(this institution)	West St Paul, MN	$9M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Arkansas Education Association Federal Credit Union	Little Rock, AR	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bcbst Employees Federal Credit Union	Chattanooga, TN	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Community First Federal Credit Union	Hannibal, MO	$9M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Crayola Llc Employees Credit Union	Easton, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dedham Town Employees Federal Credit Union	Dedham, MA	$9M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
District 08 Federal Credit Union	Alexandria, LA	$9M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Electric Machinery Employees Federal Credit Union	Minneapolis, MN	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Finans Federal Credit Union	Hammond, IN	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Gallatin Steam Plant Federal Credit Union	Gallatin, TN	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Iberville Federal Credit Union	Plaquemine, LA	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
L. A. Mission Federal Credit Union	San Fernando, CA	$9M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Longshore Federal Credit Union	Hoquiam, WA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lowell Municipal Employees Federal Credit Union	Lowell, MA	$9M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Metropolitan "L" Federal Credit Union	Oak Park, IL	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mosaic Federal Credit Union	Harrisonburg, VA	$9M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Natural State Federal Credit Union	Searcy, AR	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Phb Employees Federal Credit Union	Fairview, PA	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Priority Federal Credit Union	Russellville, AR	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sewerage & Water Board Employees Federal Credit Union	New Orleans, LA	$9M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sister'S Hospital Employees Federal Credit Union	Buffalo, NY	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Summit Hampton Roads Federal Credit Union	Norfolk, VA	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Team First Federal Credit Union	Lancaster, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
U F C W Local 1776 Federal Credit Union	Plymouth Meeting, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
U-1St Community Federal Credit Union	Carlsbad, NM	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Va Hospital Federal Credit Union	Little Rock, AR	$9M	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 · 11 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

First Pace Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 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 25, 2026.

Out-of-network ATM fee in dollars, one mark per institution

First Pace Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

First Pace Federal Credit…Peer (equal prices stack)Peer medianInclude $5 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 25, 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 First Pace 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: $2K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$1K−33.3%; from Q2 2025
vs start of range: −$1K−33.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First Pace 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	$2K	$0	0.0%
Q1 2026	$2K	$0	0.0%
Q4 2025	$2K	−$2K	−50.0%
Q3 2025	$4K	+$1K	+33.3%
Q2 2025	$3K	+$1K	+50.0%
Q1 2025	$2K	−$1K	−33.3%
Q4 2024	$3K	$0	0.0%
Q3 2024	$3K	+$1K	+50.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account$10
per month
Dormant Account(s)$20
per month
Inactive Checking Account (after 6 months)$5
per month
Account Reconciliation or Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Debit Card Chargeback or Fraud Claim$35
Returned Mail or Statement$5

Overdraft & NSF

Insufficient Funds (NSF) per item$30
per item
Insufficient funds-NSF (per item)$25
per item
Returned item (per presentment)$25
per item
Returned Item (per presentment)$30
per item
Overdraft Protection$1.50
Overdraft Protection$2

ATM & Card

Replacement Debit Card$20
Replacement Debit Card$25

Wire Transfers

Wire Transfer (Outgoing)$25
Wire Transfer: Outgoing$20
Wire Transfer (Incoming)$15
Wire Transfer: Incoming$10

Check Services

Stop Payment Credit Union Check (after 90 days)$30
Non-Member Check Cashing Fee$15

Digital & Electronic

Same day ACH (received by 2PM)$10
Bill PayNo charge

Cash & Deposit

DC Chargeback or Fraud Claimed Unsubstantiated$35

Account Services

Notary ServiceNo charge
Levy or Garnishment Processing$25
Subordination fee$150

Gift & Prepaid Cards

VISA Gift Card$3
VISA Gift Card$5

Other Fees

Copy of cleared or deposited check$4
Copy of Statement$5
Duplicate Lien Release$15
Home Equity Loan Processing$300
Home Equity Loan Processing Fee$250

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Dormant Account(s)	$20	per month	None
Inactive Checking Account (after 6 months)	$5	per month	None
Account Reconciliation or Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Debit Card Chargeback or Fraud Claim	$35	Not stated	None
Returned Mail or Statement	$5	Not stated	None
Overdraft & NSF
Insufficient Funds (NSF) per item	$30	per item	None
Insufficient funds-NSF (per item)	$25	per item	None
Returned item (per presentment)	$25	per item	None
Returned Item (per presentment)	$30	per item	None
Overdraft Protection	$1.50	Not stated	None
Overdraft Protection	$2	Not stated	None
ATM & Card
Replacement Debit Card	$20	Not stated	None
Replacement Debit Card	$25	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$25	Not stated	None
Wire Transfer: Outgoing	$20	Not stated	None
Wire Transfer (Incoming)	$15	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Check Services
Stop Payment Credit Union Check (after 90 days)	$30	Not stated	None
Non-Member Check Cashing Fee	$15	Not stated	None
Digital & Electronic
Same day ACH (received by 2PM)	$10	Not stated	None
Bill Pay	No charge	Not stated	None
Cash & Deposit
DC Chargeback or Fraud Claimed Unsubstantiated	$35	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Levy or Garnishment Processing	$25	Not stated	None
Subordination fee	$150	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	Not stated	None
VISA Gift Card	$5	Not stated	None
Other Fees
Copy of cleared or deposited check	$4	Not stated	None
Copy of Statement	$5	Not stated	None
Duplicate Lien Release	$15	Not stated	None
Home Equity Loan Processing	$300	Not stated	None
Home Equity Loan Processing Fee	$250	Not stated	None

Correct a fee source

Oct 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

Get an email when First Pace Federal Credit Union's foreign transaction changes in our data

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