Compared with California
9 of 28
compared fees are above the median.
10 below, 9 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
50th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 28 compared; 10 below, 9 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for America'S Christian 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 California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | America'S Christian Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.9% of revenue, about the same as the 7.9% median of 569 credit unions with $300M to $1B in assets (50th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $1.0M in Q2 2026, 3.4% below the same quarter a year earlier ($1.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 28 compared published fees sit above the California median; 10 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 California medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Secure Checking $4.95 · Elite Checking $9.95
Compared at $9.95, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.0% from Q3 2025 to Q2 2026, to $1.0M. Its share of revenue, 7.9%, is about the same as the 7.9% median for credit unions with $300M to $1B in assets.
$1.0M
America'S Christian 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 $4.95 to $9.95; we compare the midpoint.
America'S Christian Federal Credit Union · $820M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| America'S Christian Federal Credit Union(this institution) | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atomic Federal Credit Union | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Azura Federal Credit Union | Topeka, KS | $852M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayer Heritage Federal Credit Union | New Martinsville, WV | $801M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caribe Federal Credit Union | San Juan, PR | $800M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Direct Federal Credit Union | Needham, MA | $795M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dover-Phila Federal Credit Union | Dover, OH | $813M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Family Trust Federal Credit Union | Rock Hill, SC | $805M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Credit Union | Chandler, AZ | $812M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Community Federal Credit Union | Kailua Kona, HI | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Savings Federal Credit Union | Hampden, ME | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Institutes Of Health Federal Credit Union | Rockville, MD | $817M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliant Community Federal Credit Union | Sodus, NY | $788M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Smart Financial Federal Credit Union | Houston, TX | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Solarity Federal Credit Union | Yakima, WA | $804M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Federal Credit Union | Middletown, RI | $811M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.95, the middle of its three prices, against a peer median of $7.50 among 15 publishing peers.
Its three checking prices are $4.95, $9.95 and $9.95.
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 Christian 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 | $1.0M | −$9K | −0.9% |
| Q1 2026 | $1.0M | −$186K | −15.4% |
| Q4 2025 | $1.2M | +$130K | +12.1% |
| Q3 2025 | $1.1M | +$29K | +2.8% |
| Q2 2025 | $1.0M | +$170K | +19.4% |
| Q1 2025 | $878K | −$122K | −12.2% |
| Q4 2024 | $1.0M | +$275K | +37.9% |
| Q3 2024 | $725K | −$150K | −17.1% |
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 Christian 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 Christian Federal Credit Union by share.
Amounts from America'S Christian 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 item
per hour
per month
per statement · Paper Statement (Per Statement) | $3.00
per year
per item
per item
per day
per item
per item
per item
per month
per page · Fax (Per Page) | $2.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Applicable monthly service fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Elite Checking Monthly Service Fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Secure Checking Monthly Service Fee | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Membership Closure Within 12 months of Opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Notice (Per Notice) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Research – Per Hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Basic Checking Paper Statement Fee | $4Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Credit Card Monthly Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statement (Per Statement) | $3Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement (Per Statement) | $3.00 |
| Paper Statement Recipient (Waived for e-Statements) | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Secure, Student, & Varsity Checking Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| High-Yield Savings Excessive Transaction Fee | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Bad Address – Annual | $5Not compared: Annual charge, not monthly | per year | None |
Overdraft & NSF | |||
| Overdraft Privilege/Overdraft Privilege PLUS fee, per each presentment | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee per each occurrence | $14Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Transfer Fee | $7.50Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Non-CO-OP ATM Withdrawal | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Damaged/Lost Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Two-Day Debit Card or PIN Rush Delivery | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign Transaction Conversion | 1%of the transaction | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| CU Check Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks – Per Page | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Check Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Images – Online | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Images (2 Free Per Statement Period) | $10Not compared: Monthly charge, not per item | per month | None |
| Photocopy of Check Deposited | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Expedited Payment Fee | $5Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Overnight Fee | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Reinstatement | $10Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine Redemption – Member | 4% | Not stated | None |
| Coin Machine Redemption – Member (audience not stated, treated as personal) | 4% | Not stated | None |
| Coin Machine Redemption – Non-Member | 10% | Not stated | None |
| Coin Machine Redemption – Non-Member (audience not stated, treated as personal) | 10% | Not stated | None |
| Returned Deposit Item | $20Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary (Member/Non-Member) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Account Levy, Garnishment or Subpoena | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Real Estate Loan Subordination Fee | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Transfer from Share by CU | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Real Estate Loan Cancellation | $75Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closure | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer Fee to Another FI (Per Account) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Express/Overnight Mail Fee (Per Envelope): Cost + | $10Below the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Fax (Per Page) | $2Not compared: Charged per page; comparison unavailable | per page | Fax (Per Page) | $2.00 |
| Statement Copies – online | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Application Fee (If Denied Within the Past 6 Months) | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification (Non-Real Estate) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Reconveyance/Lien Satisfaction | $45Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay Fee | $30Inside 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 31, 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 Christian Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Glendora, CA | 1 |
Largest competitors nearby
Local market: Los Angeles county, CA, around its headquarters.
| 172 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19% |
| Bank of America, National Association | 15.4% |
| Wells Fargo Bank, National Association | 11.7% |
| City National Bank | 10% |
| East West Bank | 7.4% |
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.