Compared with Texas
11 of 24
compared fees are above the median.
7 below, 6 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
45th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 24 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Capitol 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 2,932 credit unions with under $300M 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. | Capitol Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (45th 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 $221K in Q2 2026, 3.1% below the same quarter a year earlier ($228K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 24 compared published fees sit above the Texas median; 7 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
Overdraft (OD)
Compared at $34.50, its standard fee, the highest 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 8.7% from Q3 2025 to Q2 2026, to $221K. Its share of revenue, 6.4%, is below the 7.2% median for credit unions with under $300M in assets.
$221K
Capitol 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $12.50 to $34.50; we compare the highest.
Capitol Federal Credit Union · $234M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Capitol Federal Credit Union(this institution) | Austin, TX | $234M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bull Dog Federal Credit Union | Hagerstown, MD | $238M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cal-Com Federal Credit Union | Port Lavaca, TX | $226M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campco Federal Credit Union | Gillette, WY | $228M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Carolina Foothills Federal Credit Union | Spartanburg, SC | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chaffey Federal Credit Union | Upland, CA | $230M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearpath Federal Credit Union | Burbank, CA | $229M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Guam Federal Credit Union | Hagatna, GU | $233M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Federal Credit Union | Groveport, OH | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fort Mcclellan Federal Credit Union | Anniston, AL | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Midwest Members Federal Credit Union | Wood River, IL | $227M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Cumberland Federal Credit Union | New Cumberland, PA | $229M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern Skies Federal Credit Union | Anchorage, AK | $232M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pantex Federal Credit Union | Borger, TX | $233M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sabine Federal Credit Union | Orange, TX | $235M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The People'S Federal Credit Union | Amarillo, TX | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True North Federal Credit Union | Juneau, AK | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westex Community Federal Credit Union | Kermit, TX | $231M | 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 · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 11 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Capitol 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Capitol 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 | $221K | −$9K | −3.9% |
| Q1 2026 | $230K | −$21K | −8.4% |
| Q4 2025 | $251K | +$9K | +3.7% |
| Q3 2025 | $242K | +$14K | +6.1% |
| Q2 2025 | $228K | +$13K | +6.0% |
| Q1 2025 | $215K | −$3K | −1.4% |
| Q4 2024 | $218K | −$10K | −4.4% |
| Q3 2024 | $228K | +$25K | +12.3% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Capitol 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 Capitol Federal Credit Union by share.
Amounts from Capitol 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 item
per item
per transaction
per item
per transaction
per transaction
per item
per item
per item
per year
per year
per year
per year
per year
per statement · Copy of History, Per Month (Statement) | $3.00
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Capitol Business Plus Checking Account Average Daily Balance below $2,500 | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Capitol Plus Money Market Account Average Daily Balance below $2,500 | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within 6 Months | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Processing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research (per hour, min. 1 hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Processing Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ATM/Debit Card Overdraft Fee | $34.50Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Fee for paid items greater than Avail Balance of negative | $31Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Fee for paid items up to an Avail Balances of negative | $12.50Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdrawn NSF Fee | $34.50Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection link to another deposit account | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
ATM & Card | |||
| Fee for Non-CCU owned/affiliated machine transactions | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of ATM or VISA® | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rushed Card Mailer | $60Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign Transaction Fee | 1%of the transaction | per transaction | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfers (outgoing domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Check Reorder without Reorder Form | $3Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Official Check Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee - In person/Phone | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee - Online | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (Set of 8) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Fax Copy of Paid Item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of Paid Item (after 2 per month) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee | 1%of the advance | Not stated | None |
| Cash Advance Fee (audience not stated, treated as personal) | 1%of the advance | Not stated | None |
Account Services | |||
| All notarial acts not provided | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Lost Safe Deposit Box Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $70Above 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) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $30Below 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) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $15Below 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) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $45Inside 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) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Drilling | $100Not compared: Box drilling or key fee | Not stated | None |
Lending Fees | |||
| Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Payment Fee | 5% | Not stated | None |
| Late Payment Fee (audience not stated, treated as personal) | 5% | Not stated | None |
Gift & Prepaid Cards | |||
| VISA® Gift Card (not re-loadable) | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| FedEx® Mail Fee | $40Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Copy of History, Per Month (Statement) | $3Not compared: Charged per statement; comparison unavailable | per statement | Copy of History, Per Month (Statement) | $3.00 |
| Copy of History, Per Month (Statement) | $3Not compared: Monthly charge, not per item | per month | None |
| Skip-a-Payment Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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 27, 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 Capitol Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Austin, TX | 3 |
Largest competitors nearby
Local market: Travis, Williamson and Hays counties, TX, around its headquarters.
| 85 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.9% |
| Wells Fargo Bank, National Association | 15.1% |
| Texas Capital Bank | 14.4% |
| Bank of America, National Association | 10.7% |
| PNC Bank, National Association | 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.