Quaker Oats Federal Credit Union

Headquarters: Cedar Rapids, Iowa
Charter: Credit Union
Assets: $13.3M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Nov 2, 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 Nov 2, 2026

How these figures are measured

Call-report figures are for Quaker Oats 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.	Quaker Oats Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Quaker Oats 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 $9K in Q2 2026, 18% below the same quarter a year earlier ($11K).
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
Easy Budget Checking Account
Quaker Oats Federal Credit Union: $30
Quaker Oats Federal Credit Union: $30
U.S. median: no median
Overdraft (OD)
Quaker Oats Federal Credit Union: $30
Quaker Oats Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Quaker Oats Federal Credit Union: $15
Quaker Oats Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago 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).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 25% from Q3 2025 to Q2 2026, to $9K.

Fee income, Q2 2026

$9K

$12KQ3 2025

$13KQ4 2025

$10KQ1 2026

$9KQ2 2026

Against the median

Quaker Oats 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

Quaker Oats Federal Credit Union · $13M in assets

Banks and credit unions in the Cedar Rapids, IA metro

Banks and credit unions with branches in the Cedar Rapids, IA metro: the local competitors for deposits and customers. They range from $51M to $1.9T in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$51M to $1.9T in assets
Headquartered in 7 states

See the 28 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Quaker Oats Federal Credit Union(this institution)	Cedar Rapids, IA	$13M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aim Federal Credit Union	Dubuque, IA	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
BankIowa	Cedar Rapids, IA	$846M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benton County State Bank	Blairstown, IA	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
BMO Bank National Association	Chicago, IL	$255B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bridge Community Bank	Mount Vernon, IA	$141M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cedar Rapids Bank and Trust Company	Cedar Rapids, IA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Central State Bank	Coralville, IA	$419M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chelsea Savings Bank	Belle Plaine, IA	$197M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
City & County Federal Credit Union	Saint Paul, MN	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Collins Community Federal Credit Union	Cedar Rapids, IA	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community 1St Federal Credit Union	Ottumwa, IA	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Savings Bank	Edgewood, IA	$614M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dutrac Community Federal Credit Union	Dubuque, IA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank	Marion, IA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fidelity Bank & Trust	Dubuque, IA	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Federal Credit Union	Hiawatha, IA	$175M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Interstate Bank	Billings, MT	$25.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greenstate Federal Credit Union	North Liberty, IA	$10.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hiawatha Bank and Trust Company	Hiawatha, IA	$157M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hills Bank and Trust Company	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metco Federal Credit Union	Cedar Rapids, IA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mount Vernon Bank and Trust Company	Mount Vernon, IA	$195M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nicolet National Bank	Green Bay, WI	$15.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.S. Bank National Association	Cincinnati, OH	$705.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Veridian Federal Credit Union	Waterloo, IA	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo Bank, National Association	Sioux Falls, SD	$1.9T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

28 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $23.50 (362%) above the median of local competitors.

Its published price is $30, against a peer median of $6.50 among 13 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Quaker Oats Federal Credi…Peer (equal prices stack)Peer medianInclude $30 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Quaker Oats 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: $9K
vs prior quarter: −$1K−10.0%; from Q1 2026
vs a year earlier: −$2K−18.2%; from Q2 2025
vs start of range: −$4K−30.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Quaker Oats 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	$9K	−$1K	−10.0%
Q1 2026	$10K	−$3K	−23.1%
Q4 2025	$13K	+$1K	+8.3%
Q3 2025	$12K	+$1K	+9.1%
Q2 2025	$11K	+$3K	+37.5%
Q1 2025	$8K	−$4K	−33.3%
Q4 2024	$12K	−$1K	−7.7%
Q3 2024	$13K	+$2K	+18.2%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Maintenance$30
Inactive/Dormant Account Fee$5
per month
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$30
per item
Return item fee$15
Overdraft Transfers$2.50

ATM & Card

Balance Inquiry$0.50
per item
Replacement Card fee$10
Expedited Card Replacement$50
Foreign transaction fee (multi-currency)1%of the transaction
International Service Assessment (ISA)0.8%of the transaction

Wire Transfers

Outgoing Domestic Wire$25
Incoming Domestic Wire$10

Check Services

Cashier’s Check$5
Stop Payment$25
Check Cashing Fee$5
per item
Copies of Cleared Checks$3
per item

Cash & Deposit

Cash Advance Fee$5

Account Services

Garnishment/Levy$25

Lending Fees

Loan Cancellation Fee$25

Other Fees

Faxing or Photocopying$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$30	Not stated	None
Inactive/Dormant Account Fee	$5	per month	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Return item fee	$15	Not stated	None
Overdraft Transfers	$2.50	Not stated	None
ATM & Card
Balance Inquiry	$0.50	per item	None
Replacement Card fee	$10	Not stated	None
Expedited Card Replacement	$50	Not stated	None
Foreign transaction fee (multi-currency)	1%of the transaction	Not stated	None
International Service Assessment (ISA)	0.8%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Incoming Domestic Wire	$10	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment	$25	Not stated	None
Check Cashing Fee	$5	per item	None
Copies of Cleared Checks	$3	per item	None
Cash & Deposit
Cash Advance Fee	$5	Not stated	None
Account Services
Garnishment/Levy	$25	Not stated	None
Lending Fees
Loan Cancellation Fee	$25	Not stated	None
Other Fees
Faxing or Photocopying	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Correct a fee source

Nov 2, 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 Quaker Oats Federal Credit Union's monthly maintenance changes in our data

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