Compared with Iowa
5 of 19
compared fees are above the median.
7 below, 7 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
23rd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Iowa median
of 19 compared; 7 below, 7 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Community Choice 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Community Choice Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.3% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (23rd 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 $1.0M in Q2 2026, 55% above the same quarter a year earlier ($671K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 19 compared published fees sit above the Iowa median; 7 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 Iowa medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $10, the middle of its prices
Non-Network ATM
Stop Payment
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.
Fee income rose 57% from Q3 2025 to Q2 2026, to $1.0M. Its share of revenue, 5.3%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$1.0M
Community Choice 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.
Community Choice Federal Credit Union · $923M 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 |
|---|---|---|---|---|---|---|---|
| Community Choice Federal Credit Union(this institution) | Johnston, IA | $923M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Abnb Federal Credit Union | Chesapeake, VA | $914M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cedar Point Federal Credit Union | Lexington Park, MD | $906M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Certified Federal Credit Union | El Monte, CA | $925M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Resource Federal Credit Union | Baytown, TX | $930M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Day Air Federal Credit Union | Kettering, OH | $909M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fortera Federal Credit Union | Clarksville, TN | $947M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gather Federal Credit Union | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greenwood Federal Credit Union | Warwick, RI | $957M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Houston Federal Credit Union | Sugar Land, TX | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Members First Federal Credit Union | Midland, MI | $905M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merced School Employees Federal Credit Union | Merced, CA | $899M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| N C P D Federal Credit Union | Plainview, NY | $909M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nutmeg State Financial Federal Credit Union | Rocky Hill, CT | $916M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Qualstar Federal Credit Union | Bothell, WA | $939M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Community Federal Credit Union | El Centro, CA | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sun East Federal Credit Union | Aston, PA | $909M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Bay Federal Credit Union | Houston, TX | $905M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tlc Community Federal Credit Union | Adrian, MI | $950M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True Community Federal Credit Union | Jackson, MI | $955M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 12 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
Community Choice Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 Community Choice 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 | $1.0M | +$231K | +28.4% |
| Q1 2026 | $812K | +$57K | +7.5% |
| Q4 2025 | $755K | +$91K | +13.7% |
| Q3 2025 | $664K | −$7K | −1.0% |
| Q2 2025 | $671K | +$129K | +23.8% |
| Q1 2025 | $542K | −$4K | −0.7% |
| Q4 2024 | $546K | −$33K | −5.7% |
| Q3 2024 | $579K | +$143K | +32.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Community Choice 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 Community Choice Federal Credit Union by share.
Amounts from Community Choice Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per month
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing account open less than six months | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Balance checkbook | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Return mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF honored items | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF returned items | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return check fee | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM balance inquiries | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace damaged card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replace lost or stolen card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashiers check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment ACH | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment per item/block of checks | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check copy (requested via Credit Union) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of sales draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting | No chargeInside the U.S. middle 50% ($0 to $2.54 nationally) | Not stated | None |
| Return deposit item | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Lost key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 x 22 | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 x 22 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 x 22 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 x 22 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 x 22 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments/levies | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination agreement (for financial institution other than CCCU) | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late fee | $29Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copy of past statement (requested via Credit Union) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Extra copies of 1099 or W2-P | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement copy fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account fee | $5 | per item | None |
| Paper statement | $2 | per month | None |
Overdraft & NSF | |||
| Failed transaction (NSF) | $25 | Not stated | None |
| NSF honored/returned items | $31 | per item | None |
| Overdraft transfer from savings for a draft | $5 | per item | None |
ATM & Card | |||
| ATM cash withdrawals 6 free | $1.50 | per item | None |
Check Services | |||
| Money order | $1 | Not stated | None |
Cash & Deposit | |||
| Return check fee | $27 | Not stated | None |
| Return deposit item | $5 | per item | None |
Account Services | |||
| Checking: 10 x 10 x 22 | $95 | per year | None |
| Safe Deposit Box 3 x 10 x 22 | $45 | per year | None |
| Safe Deposit Box 3 x 5 x 22 | $25 | per year | None |
| Safe Deposit Box 5 x 10 x 22 | $55 | per year | None |
| Safe Deposit Box 5 x 5 x 22 | $30 | per year | None |
Lending Fees | |||
| Late fee | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift card | $4 | Not stated | None |
| Prepaid Visa® Card | $8.95 | Not stated | None |
| Prepaid Visa® Card (reload at CCCU) | $2 | Not stated | None |
Other Fees | |||
| Copy of 1099 | $5 | Not stated | None |
| Statement copy | $5 | per item | None |
| Convenience fee (loan payment by phone/website) | $5 | Not stated | None |
Nov 1, 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 Community Choice Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Des Moines, IA | 2 |
| Johnston, IA | 2 |
| Altoona, IA | 1 |
| Ames, IA | 1 |
| Ankeny, IA | 1 |
| Clive, IA | 1 |
| Grimes, IA | 1 |
| Marshalltown, IA | 1 |
Largest competitors nearby
Local market: Polk county, IA, around its headquarters.
| 50 in its local market | Deposit share |
|---|---|
| Principal Bank | 28.8% |
| Bankers Trust Company | 17.1% |
| Wells Fargo Bank, National Association | 10.1% |
| U.S. Bank National Association | 9.1% |
| Bank of America, National Association | 8.9% |
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.