New York Fed · District 2

Bank fees in Virgin Islands

Name: Virgin Islands Bank and Credit Union Fees Compared
Creator: Fee Insight

institutions with published feesof 6 headquartered in Virgin Islands: 4

Data refreshed Nov 3, 2026

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Virgin Islands's banks and credit unions

4 of the 6 institutions headquartered in Virgin Islands have published fees here, and 4 of them have fees that count toward the medians on this page. Figures here count those headquartered institutions, except branches and deposits, which count every institution serving the state.

Who serves Virgin Islands

6 banks and credit unions are headquartered here; 20 bank branches and 8 credit union branches serve the state, wherever headquartered.

100% of the 1 banks hold $100M to $1B in assets

FDIC asset-size groups

80% of the 5 credit unions hold $10M to $100M in assets

NCUA asset-size groups

Source: Institutions headquartered in Virgin Islands, tracked by Fee Insight. Total assets from FDIC and NCUA data, grouped the way each regulator reports them: the FDIC asset-size groups for banks and the NCUA groups for credit unions. Bank deposits from the FDIC Summary of Deposits, 2026, for branches in Virgin Islands; credit union branches from NCUA. Leading banks count banks with 10 or more branches in the state.

Fee income

Virgin Islands bank service charges rose 8.4% from Q2 2025 to Q2 2026. Credit union fee income is a wider measure than bank service charges, so the two charts stay separate and are never added together.

Banks: service charges on deposit accounts

$259KQ2 2026

+8.4% from Q2 2025

Credit unions: all fee income

$138KQ2 2026

−8.0% from Q2 2025

Source: Institutions headquartered in the state. Banks: service charges on deposit accounts, FDIC call reports. Credit unions: all fee income, NCUA call reports. Credit union year-to-date income is split into quarters; a quarter shows once most institutions have filed.

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The Virgin Islands medians against the U.S., sent to you and updated as schedules are verified.

Virgin Islands versus the New York district

What the Fed sees in the district

“Economic activity in the Second District increased slightly, led by strength in manufacturing.”

Beige Book, New York district, October 2026 Hamilton sets it beside an institution's own fees

Open the New York district report

Source: Both medians count institutions by headquarters; the district takes in Virgin Islands and the rest of the Federal Reserve's New York district. Medians from each institution's own published schedule, one value per institution; a median needs at least 5. A gap under 1% reads as about the same. Federal Reserve Beige Book, New York district.

Not enough Virgin Islands institutions have verified fees yet for a state median.

National context

U.S. prices for bank services rose 1.0% in a year.

United States

Bank services prices, change over 12 months

Sep 2021 to Sep 2026

+1.0% in the 12 months to Sep 2026, nationally.

Source: BLS unemployment and the BLS CPI for checking accounts and other bank services. The CPI is national; it has no state figure.

Where does your institution sit?

Hamilton, the Fee Insight workspace, sets an institution's own fees beside institutions its size in Virgin Islands.

See Hamilton plans Or ask for a demo

From 4 Virgin Islands banks and credit unions' own published fee schedules, one value per institution; a median needs at least 5 institutions. Data as of Nov 3, 2026. Methodology