Compared with Texas
15 of 24
compared fees are above the median.
4 below, 5 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
57th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 24 compared; 4 below, 5 about the same
See the feesFee 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) 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 Texas median | Published fees above the Texas 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 8.8% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (57th 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 $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.
15 of 24 compared published fees sit above the Texas median; 4 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 Texas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $9.99, the middle of its prices
NSF / Returned Item
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. Its share of revenue, 8.8%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$595K
America'S 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. *Monthly maintenance: Listed at $0 to $15; we compare the midpoint.
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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, America'S 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 America'S Federal Credit Union by share.
Amounts from America'S 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 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
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee, w/direct deposit | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee, w/direct deposit of less than monthly | $9.99Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee, w/o direct deposit | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account Fee (any savings acct closed within 6 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | 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 | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address/Returned Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF)- Flexible Checking | $37Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM not part of ACU ATM Network (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing (each attempt) (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Incoming (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Additional Cashier's Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments (including from Touch & Go and Home Banking) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (minimum 4 checks) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | 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 | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Cancelled Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Debit Origination to Deposit Account | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Debit Origination to Loan 'Check by Phone' | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Debit Origination Return Item | $35Above the U.S. middle 50% ($19.75 to $30 nationally) | 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) | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned Check (deposited item) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $7Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Sales Slip (audience not stated, treated as personal) | $18Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies & Faxes | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-a-Pay (per loan) | $35Inside the U.S. middle 50% ($20 to $37.50 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 month
per month
per month
per hour · Reconciling/Research of Checking Account (1 hour minimum) | $25/hr
per month
per item
per item
per month
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee, w/direct deposit | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee, w/direct deposit of less than monthly | $9.99Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee, w/o direct deposit | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account Fee (any savings acct closed within 6 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | 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 | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address/Returned Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF)- Business Accounts | $40 | per item | None |
| Insufficient Funds (NSF)- Flexible Checking | $37Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments (including from Touch & Go and Home Banking) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (minimum 4 checks) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Items (domestic) $25 to $99.99 | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Cancelled Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Debit Origination to Deposit Account | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Debit Origination to Loan 'Check by Phone' | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Debit Origination Return Item | $35Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Check (deposited item) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $7Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies & Faxes | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-a-Pay (per loan) | $35Inside the U.S. middle 50% ($20 to $37.50 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 America'S Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Dallas, TX | 3 |
| Fort Worth, TX | 1 |
| Garland, TX | 1 |
| Lancaster, TX | 1 |
| Mesquite, TX | 1 |
| Springfield, MO | 1 |
Largest competitors nearby
Local market: Dallas county, TX, around its headquarters.
| 137 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 41.8% |
| JPMorgan Chase Bank, National Association | 22.5% |
| Texas Capital Bank | 4.2% |
| The Huntington National Bank | 4% |
| NexBank | 3.3% |
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.