Compared with California
10 of 22
compared fees are above the median.
6 below, 6 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
24th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 22 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Upward 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 2,932 credit unions with under $300M 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 California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Upward Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (24th 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 $45K in Q2 2026, 44% below the same quarter a year earlier ($80K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 22 compared published fees sit above the California median; 6 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 California medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $5, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 49% from Q3 2025 to Q2 2026, to $45K. Its share of revenue, 3.6%, is below the 7.2% median for credit unions with under $300M in assets.
$45K
Upward 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
Upward Federal Credit Union · $93M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Upward Federal Credit Union(this institution) | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baycel Federal Credit Union | Bay City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Christian Family Federal Credit Union | North Canton, OH | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal Community Federal Credit Union | Galveston, TX | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Dakota Plains Federal Credit Union | Edgeley, ND | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Daniels-Sheridan Federal Credit Union | Scobey, MT | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Family Advantage Federal Credit Union | Spring Hill, TN | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Formation Federal Credit Union | Baton Rouge, LA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Good Neighbors Federal Credit Union | Depew, NY | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independent Federal Credit Union | Anderson, IN | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Irco Community Federal Credit Union | Phillipsburg, NJ | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Choice Wv Federal Credit Union | Charleston, WV | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Source Federal Credit Union | Merrillville, IN | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northwoods Community Federal Credit Union | Park Falls, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Progressions Federal Credit Union | Spokane, WA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sheboygan Area Federal Credit Union | Sheboygan, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shelby County Federal Credit Union | Memphis, TN | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sunset Science Park Federal Credit Union | Portland, OR | $92M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Torrington Municipal And Teachers Federal Credit Union | Torrington, CT | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transit Employees Federal Credit Union | Greenbelt, MD | $93M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Traverse Catholic Federal Credit Union | Traverse City, MI | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vision One Federal Credit Union | Sacramento, CA | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Welcome Federal Credit Union | Morrisville, NC | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wellspring Federal Credit Union | Bridge City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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
Compared at $5, the middle of its two prices, against a peer median of $10 among 9 publishing peers.
Its two checking prices are $0 and $10.
$5 is a comparison price, not a fee anyone is charged.
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 27, 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Upward 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 | $45K | −$1K | −2.2% |
| Q1 2026 | $46K | −$39K | −45.9% |
| Q4 2025 | $85K | −$3K | −3.4% |
| Q3 2025 | $88K | +$8K | +10.0% |
| Q2 2025 | $80K | $0 | 0.0% |
| Q1 2025 | $80K | −$13K | −14.0% |
| Q4 2024 | $93K | −$3K | −3.1% |
| Q3 2024 | $96K | +$1K | +1.1% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Upward 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 Upward Federal Credit Union by share.
Amounts from Upward Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Inactivity Fee – Monthly (after 1 year of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research (min. 1 hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Locator Fee (address change research) | $5Below the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay for non-sufficient or Uncollected Funds | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds Fee for returned/uncollected Checks/Electronic Withdrawals | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Automated Transfer of Funds to Clear Overdraft | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Order | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Visa® International Transaction Fee | 2%of the transaction | Not stated | None |
| Visa® International Transaction Fee (audience not stated, treated as personal) | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic (per wire) | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Services: Incoming (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International ($US per wire): Cost + | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check / Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (per item) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks - supply of 10 | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Processing: Cost + | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies (per check – 2 free per statement period) FREE through Online Branch | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Bill Payment Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Levy/Order to withhold (per item) | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Verification of Account Letter | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Early Closure | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement/Account Activity Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 31, 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 Upward Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Redwood City, CA | 2 |
| Burlingame, CA | 1 |
Largest competitors nearby
Local market: San Mateo county, CA, around its headquarters.
| 36 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 24.4% |
| Wells Fargo Bank, National Association | 23.2% |
| Bank of America, National Association | 18.3% |
| Citibank, National Association | 7.6% |
| U.S. Bank National Association | 5.8% |
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.