United Savings Federal Credit Union

Headquarters: Fargo, North Dakota
Charter: Credit Union
Assets: $125.2M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Apr 20, 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 Apr 20, 2026

How these figures are measured

Call-report figures are for United Savings 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.	United Savings Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Apr 20, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: United Savings 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 $178K in Q2 2026, 38% below the same quarter a year earlier ($285K).
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
United Savings Federal Credit Union: $3.95
United Savings Federal Credit Union: $3.95
U.S. median: no median
Overdraft (OD)
United Savings Federal Credit Union: $28
United Savings Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Compared at $16.50, the middle of its prices
United Savings Federal Credit Union: $5 to $28
United Savings Federal Credit Union: $5 to $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis 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).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 120% from Q3 2025 to Q2 2026, to $178K.

Fee income, Q2 2026

$178K

$81KQ3 2025

$195KQ4 2025

$152KQ1 2026

$178KQ2 2026

Against the median

United Savings 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

United Savings Federal Credit Union · $125M 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.

Credit unions only
$123M to $127M in assets
Headquartered in 18 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
United Savings Federal Credit Union(this institution)	Fargo, ND	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Adventhealth Federal Credit Union	Altamonte Springs, FL	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Auburn Community Federal Credit Union	Auburn, NY	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bp Federal Credit Union	Houston, TX	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brotherhood Federal Credit Union	Lynn, MA	$125M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Coconino Federal Credit Union	Flagstaff, AZ	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crow Wing Power Federal Credit Union	Brainerd, MN	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
F R B Federal Credit Union	Washington, DC	$123M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Missouri Federal Credit Union	Saint Louis, MO	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Garden Island Federal Credit Union	Lihue, HI	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Illinois State Police Federal Credit Union	Springfield, IL	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ingersoll-Rand Federal Credit Union	Sayre, PA	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Luso-American Federal Credit Union	Peabody, MA	$123M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Missouri Central Federal Credit Union	Lees Summit, MO	$123M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mutual First Federal Credit Union	Omaha, NE	$125M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
N A E Federal Credit Union	Chesapeake, VA	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Nesc Federal Credit Union	Methuen, MA	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northern Communities Federal Credit Union	Duluth, MN	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
One Source Federal Credit Union	El Paso, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Plus Federal Credit Union	Las Vegas, NV	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
River Valley Federal Credit Union	Ada, MI	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tarrant County'S Credit Union	Fort Worth, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Telco Plus Federal Credit Union	Longview, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Health & Education Federal Credit Union	Lexington, KY	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Tomah Area Federal Credit Union	Tomah, WI	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.05 (34%) below the median of similar-sized credit unions.

Its published price is $3.95, against a peer median of $6 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

United Savings Federal Cr…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 United Savings 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: $178K
vs prior quarter: +$26K+17.1%; from Q1 2026
vs a year earlier: −$107K−37.5%; from Q2 2025
vs start of range: −$28K−13.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: United Savings 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	$178K	+$26K	+17.1%
Q1 2026	$152K	−$43K	−22.1%
Q4 2025	$195K	+$114K	+140.7%
Q3 2025	$81K	−$204K	−71.6%
Q2 2025	$285K	+$129K	+82.7%
Q1 2025	$156K	−$36K	−18.8%
Q4 2024	$192K	−$14K	−6.8%
Q3 2024	$206K	+$47K	+29.6%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly fee per account$3.95
per month
Account Reconciliation$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5

Overdraft & NSF

Overdraft Courtesy Pay$28
per item
Non-Sufficient Funds (NSF)$28
Returned Item -2nd time$5
per item
Overdraft Transfer Fee$5
Overdraft Transfer FeeNo charge

ATM & Card

ATM/Debit Replacement Card$15
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Outgoing$20
Wire Transfers: Incoming$20

Check Services

Corporate Checks$20
per item
Money Orders: Members$2
per item
Stop Payments$20
per item
Check Copy Priority$5
per item
Copy of Check$3
per item

Digital & Electronic

Bill Pay Inactivity Fee$5
per month

Account Services

5x10 size$50
per year
Safe Deposit Boxes$100
Safe Deposit Boxes 3x10 size$40
per year
Garnishment, Levy Processing$50
per item

Lending Fees

Late Fee (15+ days delinquent)$25

Other Fees

Fax Fee$2
Loan Processing$75
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee per account	$3.95	per month	None
Account Reconciliation	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Courtesy Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	Not stated	None
Returned Item -2nd time	$5	per item	None
Overdraft Transfer Fee	$5	Not stated	None
Overdraft Transfer Fee	No charge	Not stated	None
ATM & Card
ATM/Debit Replacement Card	$15	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$20	Not stated	None
Wire Transfers: Incoming	$20	Not stated	None
Check Services
Corporate Checks	$20	per item	None
Money Orders: Members	$2	per item	None
Stop Payments	$20	per item	None
Check Copy Priority	$5	per item	None
Copy of Check	$3	per item	None
Digital & Electronic
Bill Pay Inactivity Fee	$5	per month	None
Account Services
5x10 size	$50	per year	None
Safe Deposit Boxes	$100	Not stated	None
Safe Deposit Boxes 3x10 size	$40	per year	None
Garnishment, Levy Processing	$50	per item	None
Lending Fees
Late Fee (15+ days delinquent)	$25	Not stated	None
Other Fees
Fax Fee	$2	Not stated	None
Loan Processing	$75	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Apr 20, 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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