Compared with Kansas
9 of 20
compared fees are above the median.
5 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
83rd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kansas median
of 20 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Mid American 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 Kansas median | Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mid American Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (83rd 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 $1.1M in Q2 2026, 4.1% below the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 20 compared published fees sit above the Kansas median; 5 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 Kansas medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Charter Checking Account
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $1.1M. Its share of revenue, 12%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.1M
Mid American 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.
Mid American Federal Credit Union · $532M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mid American Federal Credit Union(this institution) | Wichita, KS | $532M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 802 Federal Credit Union | Barre, VT | $508M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arlington Community Federal Credit Union | Arlington, VA | $538M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City Of Boston Federal Credit Union | South Boston, MA | $544M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Coastlife Federal Credit Union | Corpus Christi, TX | $520M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First U.S. Community Federal Credit Union | Sacramento, CA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holy Rosary Federal Credit Union | Rochester, NH | $508M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lebanon Federal Credit Union | Lebanon, PA | $540M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Levo Federal Credit Union | Sioux Falls, SD | $516M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mutual Federal Credit Union | Vicksburg, MS | $529M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Otero Federal Credit Union | Alamogordo, NM | $535M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oucu Financial Credit Union, Inc. | Athens, OH | $527M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Partners 1St Federal Credit Union | Fort Wayne, IN | $546M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peake Federal Credit Union | Towson, MD | $534M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pearl Hawaii Federal Credit Union | Waipahu, HI | $545M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pittsford Federal Credit Union | Pittsford, NY | $542M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Resource One Federal Credit Union | Dallas, TX | $555M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security First Federal Credit Union | Mcallen, TX | $517M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Servu Federal Credit Union | Painted Post, NY | $529M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Soarion Federal Credit Union | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spectra Federal Credit Union | Alexandria, VA | $544M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sunwest Federal Credit Union | Glendale, AZ | $525M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| U. T. Federal Credit Union | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| University Federal Credit Union | Orono, ME | $538M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westerly Community Federal Credit Union | Wakefield, RI | $520M | Publishes Monthly maintenance | Out-of-network ATM not published | 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
Its published price is $5, against a peer median of $5 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 25, 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 25, 2026. Total assets from FDIC and NCUA records.
Call reports for Mid American 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 | $1.1M | +$71K | +6.6% |
| Q1 2026 | $1.1M | −$98K | −8.4% |
| Q4 2025 | $1.2M | +$24K | +2.1% |
| Q3 2025 | $1.1M | −$46K | −3.9% |
| Q2 2025 | $1.2M | +$149K | +14.3% |
| Q1 2025 | $1.0M | −$180K | −14.7% |
| Q4 2024 | $1.2M | +$62K | +5.3% |
| Q3 2024 | $1.2M | +$116K | +11.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Mid American 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 Mid American Federal Credit Union by share.
Amounts from Mid American Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per month
per item
per day
per transaction
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Charter Checking Account Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research, one hour minimum | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Payoff fax fee | $10Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Mailed/paper statement fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Monthly excess withdrawal fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad address | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
| Return mail, no forwarding address | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy pay fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient funds for ATM or Debit Card transaction (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Insufficient funds for ATM transaction | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Daily Overdraft protection transfer fee (audience not stated, treated as personal) | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Additional charge per transaction if ATM transaction is done outside our no-surcharge ATM network (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement debit card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa replacement card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire transfers (minimum $100): Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Corporate checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check cashing fee, with no checking or loan accounts or aggregate balance greater than check being cashed | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payer (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Payer (five per month free) (audience not stated, treated as personal) | $0.50Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned deposit item | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Lost key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment processing fee | $15Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late charge (per month) | $10Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Interim or duplicate statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Mortgage lien release | $20Inside the U.S. middle 50% ($20 to $37.50 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 17, 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 Mid American Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
11 offices in 2 states (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
| Wichita, KS | 6 |
| Arkansas City, KS | 1 |
| Larned, KS | 1 |
| Lawrence, KS | 1 |
| Monett, MO | 1 |
| Overland Park, KS | 1 |
Largest competitors nearby
Local market: Sedgwick county, KS, around its headquarters.
| 46 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 21.9% |
| Intrust Bank, National Association | 19.3% |
| Fidelity Bank, National Association | 11.5% |
| Emprise Bank | 9.1% |
| Equity Bank | 6% |
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.