18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 11, 2026.
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 Oct 11, 2026
Call-report figures are for Valley Communities 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. | Valley Communities Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $96K in Q2 2026, 37% below the same quarter a year earlier ($152K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $4, the middle of its prices
Non-Network ATM
Stop Payment
Compared at $37.50, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 34% from Q3 2025 to Q2 2026, to $96K.
$96K
Valley Communities Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Valley Communities Federal Credit Union · $307M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Valley Communities Federal Credit Union(this institution) | Mosinee, WI | $307M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Bowater Employees Federal Credit Union | Calhoun, TN | $303M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cross Valley Federal Credit Union | Wilkes Barre, PA | $300M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fall River Municipal Federal Credit Union | Fall River, MA | $316M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harvesters Federal Credit Union | Cantonment, FL | $317M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holyoke Federal Credit Union | Holyoke, MA | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Homebase Federal Credit Union | Prince George, VA | $298M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intrepid Federal Credit Union | Helena, MT | $311M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Jetstream Federal Credit Union | Miami Lakes, FL | $307M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lookout Federal Credit Union | Pocatello, ID | $314M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loyalty Federal Credit Union | Pensacola, FL | $300M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members1St Community Federal Credit Union | Marshalltown, IA | $311M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersalliance Federal Credit Union | Rockford, IL | $304M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mtc Federal Credit Union | Greenville, SC | $303M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Horizons Federal Credit Union | Mobile, AL | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwest Plus Federal Credit Union | Everett, WA | $315M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oc Federal Credit Union | Garfield Hts, OH | $315M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Otis Federal Credit Union | Jay, ME | $300M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific N W Federal Credit Union | Portland, OR | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Peninsula Community Federal Credit Union | Shelton, WA | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Preferred Federal Credit Union | Grand Rapids, MI | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Santa Barbara Teachers Federal Credit Union | Santa Barbara, CA | $308M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tct Federal Credit Union | Ballston Spa, NY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Federal Credit Union | Mexico, MO | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vapr Federal Credit Union | San Juan, PR | $316M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Zia Federal Credit Union | Los Alamos, NM | $308M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its two prices, against a peer median of $7.50 among 11 publishing peers.
Its two checking prices are $3 and $5.
$4 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Valley Communities 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 | $96K | −$44K | −31.4% |
| Q1 2026 | $140K | −$3K | −2.1% |
| Q4 2025 | $143K | −$2K | −1.4% |
| Q3 2025 | $145K | −$7K | −4.6% |
| Q2 2025 | $152K | +$16K | +11.8% |
| Q1 2025 | $136K | +$6K | +4.6% |
| Q4 2024 | $130K | −$3K | −2.3% |
| Q3 2024 | $133K | −$28K | −17.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Valley Communities Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Checking monthly service charge | $3 | per month | None |
| Monthly Service | $5 | per month | None |
| Closing Membership Within the First 90 Days | $25 | Not stated | None |
| Dormant fee per month | $10 | per month | None |
| Reconciliation/Research | $25 | Not stated | None |
| Return mail or e-statement per item | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Transfer funds to cover overdraft | $5 | Not stated | None |
ATM & Card | |||
| ATM withdrawals or inquiries in | $1 | Not stated | None |
| Effective August 1st, 2025 | Reissue Card | $10 | Not stated | None |
| Reissue Card | $10Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Incoming wire transfer | $15 | Not stated | None |
| Wire Transfer with Complete Instructions - No International Wires | $25 | Not stated | None |
Check Services | |||
| VCCU Official Check | $3 | Not stated | None |
| Money Order | $3Not compared: Monthly charge, not per item | per month | None |
| Stop payment | $25 | Not stated | None |
| Stop payment on a block of checks | $50 | Not stated | None |
| Non-member “on us” check cashing | $5 | Not stated | None |
| Canadian check processing - Per Item | $10 | per item | None |
| Draft copy | $3 | Not stated | None |
Digital & Electronic | |||
| ACH returned for non-sufficient funds | $25 | Not stated | None |
| Draft and ACH returned | $25 | Not stated | None |
| Draft and ACH Returned for Non-sufficient Funds Per Item | $25 | per item | None |
Account Services | |||
| One lost key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 x 22 | $85 | Not stated | None |
| Safe Deposit Box 10 x 10 x 22 (audience not stated, treated as personal) | $85 | Not stated | None |
| Safe Deposit Box 3 x 10 x 22 | $35 | Not stated | None |
| Safe Deposit Box 3 x 10 x 22 (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 3 x 5 x 22 | $25 | Not stated | None |
| Safe Deposit Box 3 x 5 x 22 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 5 x 10 x 22 | $50 | Not stated | None |
| Safe Deposit Box 5 x 10 x 22 (audience not stated, treated as personal) | $50 | Not stated | None |
| Processing garnishments or levies | $50 | Not stated | None |
Other Fees | |||
| Copies Per Page | $0.25 | per item | None |
| Outgoing Fax for First Page | $2Not compared: Monthly charge, not per item | per month | None |
| Statement copies per statement | $5 | 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 11, 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
We check once a day and send one email covering every change.