22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 25, 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 25, 2026
Call-report figures are for Members Choice 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. | Members Choice Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $590K in Q2 2026, 3.0% below the same quarter a year earlier ($608K).
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.
Overdraft (OD)
NSF / Returned Item
Compared at $20, the middle of its prices
Wire Transfer (Domestic Out)
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 5.1% from Q3 2025 to Q2 2026, to $590K.
$590K
Members Choice Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Members Choice Federal Credit Union · $721M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Members Choice Federal Credit Union(this institution) | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Credit Union, A | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Department Of Commerce Federal Credit Union | Washington, DC | $739M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primeway Federal Credit Union | Houston, TX | $736M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Umassfive College Federal Credit Union | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7 among 16 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
Members Choice 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 Members Choice 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 | $590K | −$17K | −2.8% |
| Q1 2026 | $607K | −$2K | −0.3% |
| Q4 2025 | $609K | −$13K | −2.1% |
| Q3 2025 | $622K | +$14K | +2.3% |
| Q2 2025 | $608K | +$10K | +1.7% |
| Q1 2025 | $598K | −$56K | −8.6% |
| Q4 2024 | $654K | +$47K | +7.7% |
| Q3 2024 | $607K | +$16K | +2.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Members Choice Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour · Account Reconciliation ......................................$10.00 per hour
per hour · Research Fee ......................................................... $25.00/hour
per month
per month
per item
per hour · Legal Processing / Research........................................ $25/hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Membership (within 3 months) | $10 | Not stated | None |
| Inactive Account Fee | $5 | per month | None |
| Account Reconciliation | $10Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation ......................................$10.00 per hour |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Research Fee ......................................................... $25.00/hour |
| Paper Statement Fee | $2 | per month | None |
| Returned Mail Fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Cashier’s Check: Overdraft | $32 | Not stated | None |
| Overdraft fee | $32 | per item | None |
| Non-Sufficient Funds (ACH) | $32 | per item | None |
| Returned Item Fee (Member account) | $30 | Not stated | None |
| Returned Item Fee (Non-member Account) | $10 | Not stated | None |
| Returned Item Fee (Non-profit account) | $5 | Not stated | None |
| Overdraft Transfer (From savings or LOC) | $5 | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $5Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Wire Transfer Fee (Outgoing): Domestic | $20 | Not stated | None |
| Wire Transfer Fee (Outgoing): Online Domestic | $15 | Not stated | None |
| Wire Transfer Fee (Outgoing): International | $40 | Not stated | None |
Check Services | |||
| Cashier’s Check: Member | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Stop Payment Fee | $28 | Not stated | None |
| Temporary Check (8 checks excludes new accounts) | $3 | Not stated | None |
| Check Cashing | $5 | per item | None |
| Collection Items: Domestic | $15 | Not stated | None |
| Cancelled Check Copy: Additional | $3 | per item | None |
| Cancelled CU Check Copy (must be in writing) | $5 | Not stated | None |
| Check Copy | $2 | Not stated | None |
Digital & Electronic | |||
| Bill Pay for Personal Accounts | No charge | Not stated | None |
Account Services | |||
| Notary for Non-members (Each stamp) | $5 | per item | None |
| Legal Documents Replaced (1099, etc.) | $10 | Not stated | None |
| Legal Processing / Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Legal Processing / Research........................................ $25/hour |
| Verification of Deposit on Letterhead (Written) | $5 | Not stated | None |
Other Fees | |||
| Computer Statement Copy Fee | $5 | Not stated | None |
| Research Copy Fee | $3 | per item | None |
| Returned Loan Payments | $28 | Not stated | None |
Oct 25, 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.