On Tap Federal Credit Union

Headquarters: Golden, Colorado
Charter: Credit Union
Assets: $474.0M
Fed district: Kansas City
Regulator: NCUA

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

Source: its fee schedule, read Oct 26, 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 26, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: On Tap 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
I.P.A. Checking
Can be waived with a balance of $2,500 or more.
On Tap Federal Credit Union: $8
On Tap Federal Credit Union: $8
U.S. median: no median
Overdraft (OD)
On Tap Federal Credit Union: $32.50
On Tap Federal Credit Union: $32.50
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
On Tap Federal Credit Union: $22.50 to $32.50
On Tap Federal Credit Union: $22.50 to $32.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

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.

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).
Colorado: Banks and credit unions headquartered in Colorado that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 13% from Q3 2025 to Q2 2026, to $385K.

Fee income, Q2 2026

$385K

$341KQ3 2025

$345KQ4 2025

$347KQ1 2026

$385KQ2 2026

Against the median

On Tap 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

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.

Credit unions only
$462M to $488M in assets
Headquartered in 17 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (60%) above the median of similar-sized credit unions.

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

On Tap Federal Credit Uni…Peer (equal prices stack)Peer median

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.

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 On Tap 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: $385K
vs prior quarter: +$38K+11.0%; from Q1 2026
vs a year earlier: +$58K+17.7%; from Q2 2025
vs start of range: −$18K−4.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: On Tap 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

I.P.A. Checking Monthly fee$8
per month
Minimum Balance Fee (if Balance is Below $1,000)$10
Minimum Balance Fee (if Balance is Below $7,500)$15
Minimum Balance Fee (if minimum balance is below $2,500)$10
Account Closure Fee$5
Inactivity Fee$5
per month
Account Reconciliation or Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research: | $30 per hour with 1 hour minimum
Paper Statement Fee$10
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee: | $10 per statement
General Money Market & Share Excessive Withdrawals (>6 per month)$15
Not compared: Monthly charge, not per item
per month
Returned Mail Processing$5
per month

Overdraft & NSF

Debit Card Privilege Pay Fee$32.50
per item
ATM Return Check Fee$22.50
per item
ATM Return Check Fee If Drawn On Self$32.50
per item
Automated Clearing House (ACH) NSF$32.50
per item
NSF Returned Check$32.50
per item
Overdraft Transfer From LoanNo charge
Overdraft Transfer From Share$2.50
per item

ATM & Card

Non-Network/International ATM Fee$2.50
Card Replacement Fee$10
per item
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Domestic Wire, Outgoing$25
per item

Check Services

Cashier's Checks$4
per item
Stop Payment (ACH and Check)$32.50
per item
Temporary Checks$2
per item
Check Copy Fee$10
per item

Digital & Electronic

ACH Origination Fee$10
per item

Cash & Deposit

Return Deposited Item$22.50
per item
Return Deposited Item Against Self$32.50
per item

Account Services

Garnish/Levy/Collection Item Fee$50
per item
Garnishment/Levy/Collection Item Fee$50
per item

Lending Fees

Copy of appraisal/valuation used 4$150

Other Fees

Statement Copy Fee$3
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy Fee: | $3 per statement

Fee	Amount	Basis	Note
Account Maintenance
I.P.A. Checking Monthly fee	$8	per month	None
Minimum Balance Fee (if Balance is Below $1,000)	$10	Not stated	None
Minimum Balance Fee (if Balance is Below $7,500)	$15	Not stated	None
Minimum Balance Fee (if minimum balance is below $2,500)	$10	Not stated	None
Account Closure Fee	$5	Not stated	None
Inactivity Fee	$5	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	$5	per month	None
Overdraft & NSF
Debit Card Privilege Pay Fee	$32.50	per item	None
ATM Return Check Fee	$22.50	per item	None
ATM Return Check Fee If Drawn On Self	$32.50	per item	None
Automated Clearing House (ACH) NSF	$32.50	per item	None
NSF Returned Check	$32.50	per item	None
Overdraft Transfer From Loan	No charge	Not stated	None
Overdraft Transfer From Share	$2.50	per item	None
ATM & Card
Non-Network/International ATM Fee	$2.50	Not stated	None
Card Replacement Fee	$10	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	$25	per item	None
Check Services
Cashier's Checks	$4	per item	None
Stop Payment (ACH and Check)	$32.50	per item	None
Temporary Checks	$2	per item	None
Check Copy Fee	$10	per item	None
Digital & Electronic
ACH Origination Fee	$10	per item	None
Cash & Deposit
Return Deposited Item	$22.50	per item	None
Return Deposited Item Against Self	$32.50	per item	None
Account Services
Garnish/Levy/Collection Item Fee	$50	per item	None
Garnishment/Levy/Collection Item Fee	$50	per item	None
Lending Fees
Copy of appraisal/valuation used 4	$150	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

Account Maintenance

Minimum Balance Fee (if Balance is Below $1,000)$10
Minimum Balance Fee (if Balance is Below $1,000)$15
Minimum Balance Fee (if Balance is Below $7,500)$15
Minimum Balance Fee (if minimum balance is below $2,500)$10
Minimum Balance Fee (if minimum balance is below $2,500)$10
Account Closure Fee$5
Early Account Closure$5
Inactivity Fee$5
per month
Inactivity Fee$5
per month
Account Reconciliation or Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Account Reconciliation or Research$30
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research: | $30 per hour with 1 hour minimum
Paper Statement Fee$10
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee: | $10 per statement
Paper Statement Fee$10
General Money Market & Share Excessive Withdrawals (>6 per month)$15
Not compared: Monthly charge, not per item
per month
General Money Market & Share Excessive Withdrawals (>6 per month)$15
Not compared: Monthly charge, not per item
per month
Returned Mail Processing$5
per month
Returned Mail Processing$5
per month

Overdraft & NSF

Debit Card Privilege Pay Fee$32.50
per item
Privilege Pay Clearing$32.50
per item
ATM Return Check Fee$22.50
per item
ATM Return Check Fee If Drawn On Self$32.50
per item
Automated Clearing House (ACH) NSF$32.50
per item
Automated Clearing House (ACH) NSF$32.50
per item
NSF Returned Check$32.50
per item
NSF Returned Check$32.50
per item
Overdraft Transfer From LoanNo charge
Overdraft Transfer From Share$2.50
per item
Overdraft Transfer From Share$2.50
per item

ATM & Card

Non-Network/International ATM Fee$2.50
Card Replacement Fee$10
per item
International Transaction Fee1%of the transaction

Wire Transfers

Domestic Wire, Outgoing$25
per item
Domestic Wire, Outgoing$25
per item
International Wire, Outgoing$50
per item

Check Services

Cashier's Checks$4
per item
Cashier's Checks$4
per item
Stop Payment (ACH and Check)$32.50
per item
Stop Payment (ACH and Check)$32.50
per item
Temporary Checks$2
per item
Check Copy Fee$10
per item

Digital & Electronic

ACH Origination Fee$10
per item
ACH Origination Fee$10
per transaction

Cash & Deposit

Return Deposited Item$22.50
per item
Return Deposited Item$22.50
per item
Return Deposited Item Against Self$32.50
per item
Return Deposited Item Against Self$32.50
per item

Account Services

Garnish/Levy/Collection Item Fee$50
per item
Garnish/Levy/Collection Item Fee$50
per item
Garnishment/Levy/Collection Item Fee$50
per item
Garnishment/Levy/Collection Item Fee$50
per item

Other Fees

Statement Copy Fee$3
Statement Copy Fee$3
Not compared: Charged per statement; comparison unavailable
per statement · Statement Copy Fee: | $3 per statement

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee (if Balance is Below $1,000)	$10	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)	$15	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)	$10	Not stated	None
Account Closure Fee	$5	Not stated	None
Early Account Closure	$5	Not stated	None
Inactivity Fee	$5	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	$5	per month	None
Overdraft & NSF
Debit Card Privilege Pay Fee	$32.50	per item	None
Privilege Pay Clearing	$32.50	per item	None
ATM Return Check Fee	$22.50	per item	None
ATM Return Check Fee If Drawn On Self	$32.50	per item	None
Automated Clearing House (ACH) NSF	$32.50	per item	None
Automated Clearing House (ACH) NSF	$32.50	per item	None
NSF Returned Check	$32.50	per item	None
NSF Returned Check	$32.50	per item	None
Overdraft Transfer From Loan	No charge	Not stated	None
Overdraft Transfer From Share	$2.50	per item	None
Overdraft Transfer From Share	$2.50	per item	None
ATM & Card
Non-Network/International ATM Fee	$2.50	Not stated	None
Card Replacement Fee	$10	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	$25	per item	None
International Wire, Outgoing	$50	per item	None
Check Services
Cashier's Checks	$4	per item	None
Cashier's Checks	$4	per item	None
Stop Payment (ACH and Check)	$32.50	per item	None
Stop Payment (ACH and Check)	$32.50	per item	None
Temporary Checks	$2	per item	None
Check Copy Fee	$10	per item	None
Digital & Electronic
ACH Origination Fee	$10	per item	None
ACH Origination Fee	$10	per transaction	None
Cash & Deposit
Return Deposited Item	$22.50	per item	None
Return Deposited Item	$22.50	per item	None
Return Deposited Item Against Self	$32.50	per item	None
Return Deposited Item Against Self	$32.50	per item	None
Account Services
Garnish/Levy/Collection Item Fee	$50	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	$50	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

Correct a fee source

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.

Fee change alerts

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