Compared with Michigan
0 of 16
compared fees are above the median.
12 below, 4 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
66th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 16 compared; 12 below, 4 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for American 1 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | American 1 Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.7% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (66th 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 $1.6M in Q2 2026, 1.2% above the same quarter a year earlier ($1.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 16 compared published fees sit above the Michigan median; 12 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 Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.9% from Q3 2025 to Q2 2026, to $1.6M. Its share of revenue, 9.7%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.6M
American 1 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.
American 1 Federal Credit Union · $661M 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 |
|---|---|---|---|---|---|---|---|
| American 1 Federal Credit Union(this institution) | Jackson, MI | $661M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abilene Teachers Federal Credit Union | Abilene, TX | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Align Federal Credit Union | Lowell, MA | $651M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Apci Federal Credit Union | Lehigh Valley, PA | $678M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bellwether Community Federal Credit Union | Manchester, NH | $675M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Consumer Federal Credit Union | Greeneville, TN | $660M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Resources Federal Credit Union | Branchburg, NJ | $659M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Peoples Community Federal Credit Union | Cumberland, MD | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Bragg Federal Credit Union | Fayetteville, NC | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| O Bee Federal Credit Union | Lacey, WA | $677M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Omni Community Federal Credit Union | Battle Creek, MI | $662M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Our Community Federal Credit Union | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier One Federal Credit Union | San Jose, CA | $656M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rio Grande Federal Credit Union | Albuquerque, NM | $666M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Federal Credit Union | Grand Blanc, MI | $653M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wasatch Peaks Federal Credit Union | Ogden, UT | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 14 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
American 1 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for American 1 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 | $1.6M | +$5K | +0.3% |
| Q1 2026 | $1.6M | −$70K | −4.3% |
| Q4 2025 | $1.6M | −$34K | −2.0% |
| Q3 2025 | $1.7M | +$117K | +7.5% |
| Q2 2025 | $1.6M | +$45K | +3.0% |
| Q1 2025 | $1.5M | −$98K | −6.1% |
| Q4 2024 | $1.6M | +$5K | +0.3% |
| Q3 2024 | $1.6M | +$107K | +7.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, American 1 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 American 1 Federal Credit Union by share.
Amounts from American 1 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 month
per item
per transaction
per transaction
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Money Market Low Balance Fee (below $5,000.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Premier Checking Low Balance Fee (below $2,000.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account (monthly fee for accounts inactive for two years) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Returned Mail Fee (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Card Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay charge (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/NSF Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Electronic Funds NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Fee (withdrawals & inquiries) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic) | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Check (per page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine | 7% | Not stated | None |
Account Services | |||
| Garnishment/Levy Processing Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (per page) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per transaction
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Money Market Low Balance Fee (below $5,000.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Premier Checking Low Balance Fee (below $2,000.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account (monthly fee for accounts inactive for two years) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Paper Statement/Mailed Statement fee (waived with eStatements) | $5 | Not stated | None |
| Returned Mail Fee (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Card Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft/NSF Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Electronic Funds NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Fee (withdrawals & inquiries) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic) | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Check (per page) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine | 7% | Not stated | None |
Account Services | |||
| Garnishment/Levy Processing Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (per page) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 12, 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 American 1 Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
18 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
| Jackson, MI | 7 |
| Adrian, MI | 1 |
| Battle Creek, MI | 1 |
| Brooklyn, MI | 1 |
| Chelsea, MI | 1 |
| Clarklake, MI | 1 |
| Hillsdale, MI | 1 |
| Manchester, MI | 1 |
Largest competitors nearby
Local market: Jackson county, MI, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Flagstar Bank, National Association | 26.9% |
| Fifth Third Bank, National Association | 22.4% |
| County National Bank | 16.8% |
| The Huntington National Bank | 15.9% |
| Southern Michigan Bank & Trust | 4.2% |
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.