Compared with Michigan
5 of 21
compared fees are above the median.
8 below, 8 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
61st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 21 compared; 8 below, 8 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Jolt 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Jolt Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.1% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (61st 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 $660K in Q2 2026, 12% above the same quarter a year earlier ($587K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 21 compared published fees sit above the Michigan median; 8 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 Michigan medians for fees published by banks and credit unions.
Monthly Maintenance
Opportunity Checking Account
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 6.1% from Q3 2025 to Q2 2026, to $660K. Its share of revenue, 9.1%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$660K
Jolt 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.
Jolt Federal Credit Union · $484M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Jolt Federal Credit Union(this institution) | Saginaw, MI | $484M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Rochester, NY | $498M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Federal Credit Union | Independence, OH | $470M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Community Financial Federal Credit Union | Auburn Hills, MI | $470M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dirigo Federal Credit Union | Lewiston, ME | $498M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Earthmover Federal Credit Union | Aurora, IL | $472M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedchoice Federal Credit Union | Lanham, MD | $469M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Harvest Federal Credit Union | Deptford, NJ | $484M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Garden Savings Federal Credit Union | Parsippany, NJ | $496M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Healthcare Associates Federal Credit Union | Lisle, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Land Of Lincoln Federal Credit Union | Decatur, IL | $499M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loc Federal Credit Union | Farmington, MI | $485M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Maui County Federal Credit Union | Wailuku, HI | $488M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Millbury Federal Credit Union | Millbury, MA | $468M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Suma Federal Credit Union | Yonkers, NY | $468M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tampa Bay Federal Credit Union | Tampa, FL | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tidemark Federal Credit Union | Seaford, DE | $469M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topside Federal Credit Union | Dahlgren, VA | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trax Federal Credit Union | Tampa, FL | $485M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trona Valley Community Federal Credit Union | Green River, WY | $470M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | 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.
Peer pricing snapshot
Its published price is $10, against a peer median of $6.98 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 Oct 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Jolt Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 28 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $660K | +$63K | +10.6% |
| Q1 2026 | $597K | −$66K | −10.0% |
| Q4 2025 | $663K | +$41K | +6.6% |
| Q3 2025 | $622K | +$35K | +6.0% |
| Q2 2025 | $587K | +$9K | +1.6% |
| Q1 2025 | $578K | −$40K | −6.5% |
| Q4 2024 | $618K | +$2K | +0.3% |
| Q3 2024 | $616K | +$66K | +12.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Jolt 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 Jolt Federal Credit Union by share.
Amounts from Jolt Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Research / Checkbook Reconciliation | $50.00 per hour
per month
per item
per item
per item
one time
one time
per item
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Opportunity Checking Account Monthly service charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account within first 12 months | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Processing | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Checkbook Reconciliation | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Research / Checkbook Reconciliation | $50.00 per hour |
| ATM Adjustment | $5Below the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Returned Statement due to Bad Address | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check/Payment | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Withdrawal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Plastic Card Replacement – 1 free | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Shipping | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wires – Outbound Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires – Outbound International | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Corporate Check | $1Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Corporate Check Stop Payment | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Corporate Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Garnishment / Tax Levy Processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Visa Card – Maximum Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Processing fee | $35Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | one time | None |
| Processing fee (auto loans) (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | one time | None |
Retirement & IRA | |||
| IRA Transfer – Outbound | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Processing fee (auto loans) (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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 Jolt Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Saginaw, MI | 2 |
| Bay City, MI | 1 |
| Essexville, MI | 1 |
| Midland, MI | 1 |
Largest competitors nearby
Local market: Saginaw county, MI, around its headquarters.
| 18 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 31.4% |
| JPMorgan Chase Bank, National Association | 15% |
| 1st State Bank | 11.9% |
| PNC Bank, National Association | 10.8% |
| Independent 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.