Compared with Washington
8 of 10
compared fees are above the median.
1 below, 1 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
17th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 10 compared; 1 below, 1 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Harborstone 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 452 credit unions with $1B to $10B 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Harborstone 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 3.6% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (17th 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 $1.7M in Q2 2026, 38% above the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 10 compared published fees sit above the Washington median; 1 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 Washington medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8.38, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 34% from Q3 2025 to Q2 2026, to $1.7M. Its share of revenue, 3.6%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.7M
Harborstone 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6.75 to $10; we compare the midpoint.
Harborstone Federal Credit Union · $3.1B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Harborstone Federal Credit Union(this institution) | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Achieva Credit Union | Dunedin, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commonwealth Federal Credit Union | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Credit Union of Flo | Jacksonville, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastrise Federal Credit Union | Williston, VT | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| F & A Federal Credit Union | Monterey Park, CA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Federal Credit Union | Chelsea, MA | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier America Federal Credit Union | Chatsworth, CA | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rivermark Community Federal Credit Union | Oregon City, OR | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sound Federal Credit Union | Tacoma, WA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Valley Federal Credit Union | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Three Rivers Federal Credit Union | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Usalliance Federal Credit Union | Rye, NY | $3.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Whatcom Educational Federal Credit Union | Bellingham, WA | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.38, the middle of its two prices, against a peer median of $5 among 13 publishing peers.
Its two checking prices are $6.75 and $10.
$8.38 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 30, 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Harborstone 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 | $1.7M | +$160K | +10.1% |
| Q1 2026 | $1.6M | −$72K | −4.3% |
| Q4 2025 | $1.7M | +$353K | +27.1% |
| Q3 2025 | $1.3M | +$36K | +2.8% |
| Q2 2025 | $1.3M | +$4K | +0.3% |
| Q1 2025 | $1.3M | +$146K | +13.1% |
| Q4 2024 | $1.1M | +$40K | +3.7% |
| Q3 2024 | $1.1M | +$35K | +3.4% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Harborstone 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 Harborstone Federal Credit Union by share.
Amounts from Harborstone 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 year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ²There is a monthly fee | $6.75Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market minimum daily balance fee (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
ATM & Card | |||
| International ATM Transaction | $2Below the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| Debit Card Issuance Expedited | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Transaction Fee (debit) | 1.5%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Bank Wires | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Bank Wires | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Returned | $20Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy/Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| Accumulator IRA Certificate annual fee | $8Below the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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 Harborstone Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
31 offices in 1 state (June 30, 2026)
Each dot is one office.
30 of 31 offices on the map. 2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Tacoma, WA | 3 |
| Bellingham, WA | 2 |
| Lakewood, WA | 2 |
| Mount Vernon, WA | 2 |
| Anacortes, WA | 1 |
| Bonney Lake, WA | 1 |
| Bothell, WA | 1 |
| Burlington, WA | 1 |
Largest competitors nearby
Local market: Pierce county, WA, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Columbia Bank | 32.5% |
| Bank of America, National Association | 14% |
| JPMorgan Chase Bank, National Association | 10.5% |
| Wells Fargo Bank, National Association | 9.9% |
| KeyBank National Association | 8.5% |
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.