Har-Co Federal Credit Union

Headquarters: Bel Air, Maryland
Charter: Credit Union
Assets: $286.4M
Fed district: Richmond
Regulator: NCUA

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Overview

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 6, 2026

How these figures are measured

Call-report figures are for Har-Co 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.	Har-Co Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Har-Co Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $334K in Q2 2026, 12% above the same quarter a year earlier ($299K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Har-Co Federal Credit Union: $32
Har-Co Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Har-Co Federal Credit Union: $32
Har-Co Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Har-Co Federal Credit Union: $25
Har-Co Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 8.1% from Q3 2025 to Q2 2026, to $334K.

Fee income, Q2 2026

$334K

$309KQ3 2025

$345KQ4 2025

$324KQ1 2026

$334KQ2 2026

Against the median

Har-Co Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Har-Co Federal Credit Union · $286M 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 15 states.

Credit unions only
$276M to $296M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Har-Co Federal Credit Union(this institution)	Bel Air, MD	$286M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
1St Community Federal Credit Union	Sparta, WI	$288M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Plus Federal Credit Union	Pocatello, ID	$292M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alive Federal Credit Union	Jacksonville, FL	$296M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Allegent Community Federal Credit Union	Pittsburgh, PA	$281M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alltrust Federal Credit Union	Fairhaven, MA	$280M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bangor Federal Credit Union	Bangor, ME	$293M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bronco Federal Credit Union	Franklin, VA	$292M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Heritage Federal Credit Union	Pittsburgh, PA	$289M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cottonwood Community Federal Credit Union	Cottonwood, ID	$286M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Edwards Federal Credit Union	Edwards, CA	$277M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
General Electric Employees Federal Credit Union	Milford, CT	$283M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Glacier Hills Federal Credit Union	West Bend, WI	$286M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage Community Federal Credit Union	Rancho Cordova, CA	$283M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Holyoke Federal Credit Union	Holyoke, MA	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kalsee Federal Credit Union	Kalamazoo, MI	$292M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lormet Community Federal Credit Union	Amherst, OH	$283M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maine Family Federal Credit Union	Lewiston, ME	$288M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Norstate Federal Credit Union	Madawaska, ME	$280M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwestern Mutual Federal Credit Union	Milwaukee, WI	$286M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Penn East Federal Credit Union	Scranton, PA	$280M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tct Federal Credit Union	Ballston Spa, NY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Top Tier Federal Credit Union	Clarion, PA	$278M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
U S Postal Service Federal Credit Union	Clinton, MD	$280M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unity One Federal Credit Union	Fort Worth, TX	$276M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Western Vista Federal Credit Union	Cheyenne, WY	$281M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Har-Co Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.75 among 12 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Har-Co Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Har-Co Federal Credit Uni…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Har-Co Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 51 quarters on file

Latest, Q2 2026: $334K
vs prior quarter: +$10K+3.1%; from Q1 2026
vs a year earlier: +$35K+11.7%; from Q2 2025
vs start of range: +$40K+13.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Har-Co Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$334K	+$10K	+3.1%
Q1 2026	$324K	−$21K	−6.1%
Q4 2025	$345K	+$36K	+11.7%
Q3 2025	$309K	+$10K	+3.3%
Q2 2025	$299K	+$12K	+4.2%
Q1 2025	$287K	−$55K	−16.1%
Q4 2024	$342K	+$48K	+16.3%
Q3 2024	$294K	−$22K	−7.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Har-Co Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Membership Within 60 Days of Opening$25
Dormant/Inactive (Monthly)$7
per month
Account Reconcilement (per hour)$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (Paid ACH, Share Draft, Debit Card)$32
Non-Sufficient Funds (Returned ACH)$32
Overdraft Account Transfer (per Share Draft Transfer)$7.50

ATM & Card

ATM/Debit/Credit Card Replacement$8

Wire Transfers

Wire Transfer (Domestic)$25
Wire Transfer (Incoming)$8

Check Services

Official Check (One free per month, then)$7.50
Money Order$2
Stop Payment$30
Temporary Checks (audience not stated, treated as personal)$1
per item · 4 to a page
Temporary Checks (4 to a page)$1
Canadian Check Deposit (per item)$9
per item
Copy of Check$4

Account Services

Garnishment/Levy$100

Retirement & IRA

IRA Transfer Fee$25

Gift & Prepaid Cards

Visa Gift Card$3
Visa Gift Card (audience not stated, treated as personal)$3
per item

Other Fees

Copy of Statement$5
Document Copies (per page)$2
per item
Duplicate Lien Release$30
Returned Loan Payments$15

Fee	Amount	Basis	Note
Account Maintenance
Closed Membership Within 60 Days of Opening	$25	Not stated	None
Dormant/Inactive (Monthly)	$7	per month	None
Account Reconcilement (per hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (Paid ACH, Share Draft, Debit Card)	$32	Not stated	None
Non-Sufficient Funds (Returned ACH)	$32	Not stated	None
Overdraft Account Transfer (per Share Draft Transfer)	$7.50	Not stated	None
ATM & Card
ATM/Debit/Credit Card Replacement	$8	Not stated	None
Wire Transfers
Wire Transfer (Domestic)	$25	Not stated	None
Wire Transfer (Incoming)	$8	Not stated	None
Check Services
Official Check (One free per month, then)	$7.50	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks (audience not stated, treated as personal)	$1	per item	4 to a page
Temporary Checks (4 to a page)	$1	Not stated	None
Canadian Check Deposit (per item)	$9	per item	None
Copy of Check	$4	Not stated	None
Account Services
Garnishment/Levy	$100	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	Not stated	None
Visa Gift Card (audience not stated, treated as personal)	$3	per item	None
Other Fees
Copy of Statement	$5	Not stated	None
Document Copies (per page)	$2	per item	None
Duplicate Lien Release	$30	Not stated	None
Returned Loan Payments	$15	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

Correct a fee source

Oct 6, 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

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