24 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 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 12, 2026
Call-report figures are for America'S 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. | America'S 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 $595K in Q2 2026, 2.0% below the same quarter a year earlier ($607K).
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 $9.99, the middle of its prices
NSF / Returned Item
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 9.2% from Q3 2025 to Q2 2026, to $595K.
$595K
America'S Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
America'S Federal Credit Union · $428M 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 |
|---|---|---|---|---|---|---|---|
| America'S Federal Credit Union(this institution) | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal 1 Federal Credit Union | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.99, the middle of its seven prices, against a peer median of $5.50 among 8 publishing peers.
Its seven checking prices are $0, $5, $6, $9.99, $10, $10 and $15.
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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for America'S 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 | $595K | −$1K | −0.2% |
| Q1 2026 | $596K | −$39K | −6.1% |
| Q4 2025 | $635K | −$20K | −3.1% |
| Q3 2025 | $655K | +$48K | +7.9% |
| Q2 2025 | $607K | +$18K | +3.1% |
| Q1 2025 | $589K | −$15K | −2.5% |
| Q4 2024 | $604K | +$10K | +1.7% |
| Q3 2024 | $594K | +$23K | +4.0% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from America'S Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per hour · Reconciling/Research of Checking Account (1 hour minimum) | $25/hr
per month
per item
per month
per item
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Service Fee | $5 | per month | None |
| Monthly Service Fee | $6 | per month | None |
| Monthly Service Fee | No charge | per month | None |
| Monthly Service Fee, w/direct deposit | $10 | per month | None |
| Monthly Service Fee, w/direct deposit of less than monthly | $9.99 | per month | None |
| Monthly Service Fee, w/o direct deposit | $15 | per month | None |
| Closed Account Fee (any savings acct closed within 6 months of opening) | $25 | Not stated | None |
| Reconciling/Research of Checking Account (1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Reconciling/Research of Checking Account (1 hour minimum) | $25/hr |
| Paper Statements | $3 | Not stated | None |
| Bad Address/Returned Statement | $5 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF)- Flexible Checking | $37 | per item | None |
| Automatic Overdraft Transfer Fee | $3 | Not stated | None |
| Automatic Overdraft Transfer Fee, one per month | No chargeNot compared: Monthly charge, not per item | per month | None |
| Debit Overdraft from Share (one free per mo), additional (audience not stated, treated as personal) | $3 | per item | None |
ATM & Card | |||
| ATM not part of ACU ATM Network (audience not stated, treated as personal) | $1 | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing (each attempt) (audience not stated, treated as personal) | $20 | per item | None |
| Wire Transfers: Incoming (audience not stated, treated as personal) | $5 | Not stated | None |
Check Services | |||
| Additional Cashier's Checks | $3 | Not stated | None |
| Cashier's Check | $5 | Not stated | None |
| Cashier's Checks | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Stop Payments (including from Touch & Go and Home Banking) | $30 | Not stated | None |
| Temporary Checks (minimum 4 checks) | $1 | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | 1%($3 minimum) | Not stated | None |
| Collection Items (domestic) $25 to $99.99 | $25 | Not stated | None |
| Copy of Cancelled Check | $3 | Not stated | None |
Digital & Electronic | |||
| ACH Debit Origination to Deposit Account | $5 | Not stated | None |
| ACH Debit Origination to Loan 'Check by Phone' | $10 | Not stated | None |
| ACH Debit Origination Return Item | $35 | per item | None |
Cash & Deposit | |||
| Coin Processing (members under 18 exempt) (audience not stated, treated as personal) | 5% | Not stated | None |
| Non-Member coin processing (audience not stated, treated as personal) | 8% | Not stated | None |
| Chargeback (audience not stated, treated as personal) | $25 | Not stated | None |
| Returned Check (deposited item) | $15 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $100 | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100 | per year | None |
| Safe Deposit Box 3 x 10 | $35 | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $35 | per year | None |
| Safe Deposit Box 3 x 5 | $25 | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $25 | per year | None |
| Safe Deposit Box 5 x 10 | $60 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60 | per year | None |
| Safe Deposit Box Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lien/Levy/Attachment/Garnishment (plus attorney fees) | $75 | Not stated | None |
| Verification of Deposit | $7 | Not stated | None |
| Verification of Deposit | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $5 | Not stated | None |
Other Fees | |||
| Copy of Sales Slip (audience not stated, treated as personal) | $18 | Not stated | None |
| Copy of Statement | $5 | Not stated | None |
| Photocopies & Faxes | $3 | per item | None |
| Skip-a-Pay (per loan) | $35 | 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
per month
per month
per month
per month
per month
per month
per hour · Reconciling/Research of Checking Account (1 hour minimum) | $25/hr
per month
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $5 | per month | None |
| Monthly Service Fee | $6 | per month | None |
| Monthly Service Fee | No charge | per month | None |
| Monthly Service Fee, w/direct deposit | $10 | per month | None |
| Monthly Service Fee, w/direct deposit of less than monthly | $9.99 | per month | None |
| Monthly Service Fee, w/o direct deposit | $15 | per month | None |
| Closed Account Fee (any savings acct closed within 6 months of opening) | $25 | Not stated | None |
| Reconciling/Research of Checking Account (1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Reconciling/Research of Checking Account (1 hour minimum) | $25/hr |
| Paper Statements | $3 | Not stated | None |
| Bad Address/Returned Statement | $5 | per month | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF)- Business Accounts | $40 | per item | None |
| Insufficient Funds (NSF)- Flexible Checking | $37 | per item | None |
| Automatic Overdraft Transfer Fee | $3 | Not stated | None |
| Automatic Overdraft Transfer Fee, one per month | No chargeNot compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Additional Cashier's Checks | $3 | Not stated | None |
| Cashier's Check | $5 | Not stated | None |
| Cashier's Checks | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Stop Payments (including from Touch & Go and Home Banking) | $30 | Not stated | None |
| Temporary Checks (minimum 4 checks) | $1 | Not stated | None |
| Collection Items (domestic) $25 to $99.99 | $25 | Not stated | None |
| Copy of Cancelled Check | $3 | Not stated | None |
Digital & Electronic | |||
| ACH Debit Origination to Deposit Account | $5 | Not stated | None |
| ACH Debit Origination to Loan 'Check by Phone' | $10 | Not stated | None |
| ACH Debit Origination Return Item | $35 | per item | None |
Cash & Deposit | |||
| Returned Check (deposited item) | $15 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $100 | per year | None |
| Safe Deposit Box 3 x 10 | $35 | per year | None |
| Safe Deposit Box 3 x 5 | $25 | per year | None |
| Safe Deposit Box 5 x 10 | $60 | per year | None |
| Safe Deposit Box Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Lien/Levy/Attachment/Garnishment (plus attorney fees) | $75 | Not stated | None |
| Verification of Deposit | $7 | Not stated | None |
| Verification of Deposit | $15 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $5 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | Not stated | None |
| Photocopies & Faxes | $3 | per item | None |
| Skip-a-Pay (per loan) | $35 | 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.
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