Compared with Illinois
5 of 22
compared fees are above the median.
7 below, 10 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
64th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Illinois median
of 22 compared; 7 below, 10 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Midwest Members 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Midwest Members Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.3% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (64th 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 $338K in Q2 2026, 6.3% above the same quarter a year earlier ($318K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 22 compared published fees sit above the Illinois 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 Illinois medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.3% from Q3 2025 to Q2 2026, to $338K. Its share of revenue, 9.3%, is above the 7.2% median for credit unions with under $300M in assets.
$338K
Midwest Members 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.
Midwest Members Federal Credit Union · $227M 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 |
|---|---|---|---|---|---|---|---|
| Midwest Members Federal Credit Union(this institution) | Wood River, IL | $227M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acipco Federal Credit Union | Birmingham, AL | $221M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Autotruck Financial Federal Credit Union | Louisville, KY | $220M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Canopy Federal Credit Union | Spokane, WA | $222M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Capitol Federal Credit Union | Austin, TX | $234M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| 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 |
| Texasgulf Federal Credit Union | Wharton, TX | $220M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 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
Midwest Members 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 Midwest Members Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 36 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $338K | +$51K | +17.8% |
| Q1 2026 | $287K | −$72K | −20.1% |
| Q4 2025 | $359K | +$35K | +10.8% |
| Q3 2025 | $324K | +$6K | +1.9% |
| Q2 2025 | $318K | +$14K | +4.6% |
| Q1 2025 | $304K | −$62K | −16.9% |
| Q4 2024 | $366K | +$34K | +10.2% |
| Q3 2024 | $332K | +$29K | +9.6% |
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, Midwest Members 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 Midwest Members Federal Credit Union by share.
Amounts from Midwest Members Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 90 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account - Dormancy (after 13 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address - Mail Returned | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege Access (Paid Item) - Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Item Returned for Insufficient Funds - Non-Sufficient Funds Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction (All Transactions at non Co-Op ATMs) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement - Replacement Debit | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Western Union / Wire Transfer - Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Check, ACH, Money Order, Cashier's Check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (Range of Checks) | $50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks - Temp Check (8 per set) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing - Third Party (Member Only) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Check Sent for Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of a Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of a Check | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned Unpaid - Return Check | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Box Drilled Open - Drilled Box Fee | $125Not compared: Box drilling or key fee | Not stated | None |
| Replacement of Lost Key - Safe Box Key Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $60Inside 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) | $60Inside 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 | $20Below 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) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | 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) | per year | None |
| Safe Deposit Box 7 x 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7 x 10 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment / Citation / Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of a Statement | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of a Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Fax Service | $1Not compared: Charged per page; comparison unavailable | per page | Fax Service | $1 per page |
| Fax Service | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 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
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 90 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account - Dormancy (after 13 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address - Mail Returned | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege Access (Paid Item) - Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Item Returned for Insufficient Funds - Non-Sufficient Funds Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction (All Transactions at non Co-Op ATMs) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement - Replacement Debit | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Western Union / Wire Transfer - Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Check, ACH, Money Order, Cashier's Check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (Range of Checks) | $50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks - Temp Check (8 per set) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing - Third Party (Member Only) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Check Sent for Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of a Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of a Check | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned Unpaid - Return Check | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Business Night Depository Key (Additional or Lost) | $4 | Not stated | None |
Account Services | |||
| Box Drilled Open - Drilled Box Fee | $125Not compared: Box drilling or key fee | Not stated | None |
| Replacement of Lost Key - Safe Box Key Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $60Inside 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 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7 x 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment / Citation / Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of a Statement | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of a Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Fax Service | $1Not compared: Charged per page; comparison unavailable | per page | Fax Service | $1 per page |
| Fax Service | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 3, 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 Midwest Members 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Granite City, IL | 1 |
| Maryville, IL | 1 |
| Wood River, IL | 1 |
Largest competitors nearby
Local market: Madison county, IL, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| FCB Banks | 19.7% |
| Busey Bank | 17.3% |
| First Mid Bank & Trust, National Association | 11.2% |
| U.S. Bank National Association | 10% |
| Regions Bank | 8.1% |
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.