Compared with Colorado
5 of 17
compared fees are above the median.
4 below, 8 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
14th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 17 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for On Tap 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | On Tap Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.1% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (14th 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 $385K in Q2 2026, 18% above the same quarter a year earlier ($327K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 17 compared published fees sit above the Colorado median; 4 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 Colorado medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $32.50, the middle of its prices
Monthly Maintenance
I.P.A. Checking
Can be waived with a balance of $2,500 or more.
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 13% from Q3 2025 to Q2 2026, to $385K. Its share of revenue, 4.1%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$385K
On Tap 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.
On Tap Federal Credit Union · $474M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| On Tap Federal Credit Union(this institution) | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aod Federal Credit Union | Bynum, AL | $467M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canton School Employees Federal Credit Union | North Canton, OH | $462M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cascade Community Federal Credit Union | Roseburg, OR | $465M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Century Federal Credit Union | Independence, OH | $470M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Cornerstone Community Financial Federal Credit Union | Auburn Hills, MI | $470M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Earthmover Federal Credit Union | Aurora, IL | $472M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedchoice Federal Credit Union | Lanham, MD | $469M | 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 |
| 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 |
| Jolt Federal Credit Union | Saginaw, MI | $484M | 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 |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Millbury Federal Credit Union | Millbury, MA | $468M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Star Community Federal Credit Union | Maddock, ND | $465M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ouachita Valley Federal Credit Union | West Monroe, LA | $464M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Public Service Federal Credit Union | Romulus, MI | $468M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Suma Federal Credit Union | Yonkers, NY | $468M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tidemark Federal Credit Union | Seaford, DE | $469M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trax Federal Credit Union | Tampa, FL | $485M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trona Valley Community Federal Credit Union | Green River, WY | $470M | Publishes Monthly maintenance | 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 · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $5 among 9 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 On Tap 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 | $385K | +$38K | +11.0% |
| Q1 2026 | $347K | +$2K | +0.6% |
| Q4 2025 | $345K | +$4K | +1.2% |
| Q3 2025 | $341K | +$14K | +4.3% |
| Q2 2025 | $327K | +$1K | +0.3% |
| Q1 2025 | $326K | −$44K | −11.9% |
| Q4 2024 | $370K | −$33K | −8.2% |
| Q3 2024 | $403K | +$30K | +8.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, On Tap 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 On Tap Federal Credit Union by share.
Amounts from On Tap Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Reconciliation or Research: | $30 per hour with 1 hour minimum
per statement · Paper Statement Fee: | $10 per statement
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per statement · Statement Copy Fee: | $3 per statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| I.P.A. Checking Monthly fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance Fee (if Balance is Below $1,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee (if Balance is Below $7,500) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee (if minimum balance is below $2,500) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Closure Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation or Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation or Research: | $30 per hour with 1 hour minimum |
| Paper Statement Fee | $10Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement Fee: | $10 per statement |
| General Money Market & Share Excessive Withdrawals (>6 per month) | $15Not compared: Monthly charge, not per item | per month | None |
| Returned Mail Processing | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Debit Card Privilege Pay Fee | $32.50Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ATM Return Check Fee | $22.50Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| ATM Return Check Fee If Drawn On Self | $32.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automated Clearing House (ACH) NSF | $32.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Returned Check | $32.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer From Loan | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Transfer From Share | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Network/International ATM Fee | $2.50Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire, Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (ACH and Check) | $32.50Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Return Deposited Item | $22.50Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Return Deposited Item Against Self | $32.50Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Garnish/Levy/Collection Item Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Garnishment/Levy/Collection Item Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Copy of appraisal/valuation used 4 | $150Inside the U.S. middle 50% ($125 to $468.75 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $3Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy Fee: | $3 per statement |
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 month
per month
per hour
per hour · Account Reconciliation or Research: | $30 per hour with 1 hour minimum
per statement · Paper Statement Fee: | $10 per statement
per month
per month
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee (if Balance is Below $1,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee (if Balance is Below $1,000) | $15 | Not stated | None |
| Minimum Balance Fee (if Balance is Below $7,500) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee (if minimum balance is below $2,500) | $10 | Not stated | None |
| Minimum Balance Fee (if minimum balance is below $2,500) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Closure Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Account Closure | $5 | Not stated | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee | $5 | per month | None |
| Account Reconciliation or Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Reconciliation or Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation or Research: | $30 per hour with 1 hour minimum |
| Paper Statement Fee | $10Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement Fee: | $10 per statement |
| Paper Statement Fee | $10 | Not stated | None |
| General Money Market & Share Excessive Withdrawals (>6 per month) | $15Not compared: Monthly charge, not per item | per month | None |
| General Money Market & Share Excessive Withdrawals (>6 per month) | $15Not compared: Monthly charge, not per item | per month | None |
| Returned Mail Processing | $5 | per month | None |
| Returned Mail Processing | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Debit Card Privilege Pay Fee | $32.50Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Privilege Pay Clearing | $32.50 | per item | None |
| ATM Return Check Fee | $22.50Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| ATM Return Check Fee If Drawn On Self | $32.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automated Clearing House (ACH) NSF | $32.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automated Clearing House (ACH) NSF | $32.50 | per item | None |
| NSF Returned Check | $32.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Returned Check | $32.50 | per item | None |
| Overdraft Transfer From Loan | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Transfer From Share | $2.50 | per item | None |
| Overdraft Transfer From Share | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Network/International ATM Fee | $2.50Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire, Outgoing | $25 | per item | None |
| Domestic Wire, Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire, Outgoing | $50 | per item | None |
Check Services | |||
| Cashier's Checks | $4 | per item | None |
| Cashier's Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (ACH and Check) | $32.50Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (ACH and Check) | $32.50 | per item | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination Fee | $10 | per transaction | None |
Cash & Deposit | |||
| Return Deposited Item | $22.50 | per item | None |
| Return Deposited Item | $22.50Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Return Deposited Item Against Self | $32.50 | per item | None |
| Return Deposited Item Against Self | $32.50Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Garnish/Levy/Collection Item Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Garnish/Levy/Collection Item Fee | $50 | per item | None |
| Garnishment/Levy/Collection Item Fee | $50 | per item | None |
| Garnishment/Levy/Collection Item Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Statement Copy Fee | $3 | Not stated | None |
| Statement Copy Fee | $3Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy Fee: | $3 per statement |
Oct 26, 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 On Tap Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Golden, CO | 3 |
| Arvada, CO | 1 |
Largest competitors nearby
Local market: Jefferson county, CO, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 30.6% |
| Wells Fargo Bank, National Association | 19.8% |
| JPMorgan Chase Bank, National Association | 13.5% |
| U.S. Bank National Association | 12.6% |
| Solera National Bank | 7.8% |
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.