Ranking · Q2 2026 call reports

The credit unions that collect the least in fees

McBryde Federal Credit Union of Eleele, Hawaii leads this list at $0, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Least fee income per member, $100 million and up. 1,817 credit unions qualify; the top 100 are below.

#	Credit union	Location	Fees/member	Members	Fee and other income	ROA
1	McBryde Federal Credit Union	Eleele, HI	$0	3,165	0.02%	1.21%
2	Cleveland Selfreliance Federal Credit Union	Parma, OH	$0	3,194	0.02%	0.51%
3	Aflac Federal Credit Union	Columbus, GA	$1	9,222	0.00%	2.63%
4	Tinker Federal Credit Union	Oklahoma City, OK	$1	488,459	1.23%	0.82%
5	San Joaquin Power Employees Credit Union	Fresno, CA	$3	6,559	0.01%	0.55%
6	Long Beach Firemen S Credit Union	Long Beach, CA	$4	3,221	0.06%	1.54%
7	Conservation Employees Credit Union	Jefferson City, MO	$5	9,531	0.51%	1.20%
8	Tacoma Longshoremen Credit Union	Tacoma, WA	$5	3,375	0.12%	0.59%
9	Next Step Federal Credit Union	Troy, NY	$5	4,050	0.12%	1.21%
10	Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$6	9,059	0.06%	0.91%
11	Greater Woodlawn Federal Credit Union	Blasdell, NY	$6	12,886	0.11%	1.65%
12	Alliant Credit Union	Chicago, IL	$6	953,370	0.56%	0.94%
13	Vida Federal Credit Union	Ontario, CA	$7	10,179	0.83%	0.49%
14	Connecticut State Employees Credit Union	Hartford, CT	$7	69,851	0.07%	0.70%
15	Railroad Credit Union	Irondale, AL	$8	4,745	0.11%	0.65%
16	Merck Employees Federal Credit Union	Rahway, NJ	$8	23,652	0.08%	0.74%
17	Moog Employees Federal Credit Union	East Aurora, NY	$9	8,642	0.03%	2.02%
18	Pittsford Federal Credit Union	Pittsford, NY	$10	20,966	0.26%	0.77%
19	State Farm Federal Credit Union	Bloomington, IL	$10	113,388	0.04%	0.47%
20	Connexus Credit Union	Wausau, WI	$10	417,271	0.62%	0.06%
21	1st Northern California Credit Union	Martinez, CA	$10	32,174	0.26%	0.56%
22	H.p.c. Credit Union	Alpena, MI	$11	7,703	0.30%	0.84%
23	F & A Federal Credit Union	Monterey Park, CA	$11	44,839	0.19%	1.05%
24	Utica Gas & Electric Emp Federal Credit Union	New Hartford, NY	$11	3,859	0.30%	1.61%
25	Sea West Coast Guard Federal Credit Union	Oakland, CA	$13	11,553	0.19%	0.22%
26	Brotherhood Credit Union	Lynn, MA	$13	5,211	0.16%	3.54%
27	First Technology Federal Credit Union	San Jose, CA	$13	1,870,858	0.87%	0.38%
28	Luso-American Credit Union	Peabody, MA	$13	9,368	0.23%	0.47%
29	Penn State Federal Credit Union	Bellefonte, PA	$13	14,298	0.51%	1.91%
30	Brainerd B. N. Credit Union	Brainerd, MN	$13	6,615	0.31%	0.47%
31	United States Senate Federal Credit Union	Alexandria, VA	$14	52,712	0.33%	0.19%
32	Community Credit Union	New Rockford, ND	$14	4,051	0.03%	1.61%
33	Caribe Federal Credit Union	San Juan, PR	$14	64,987	0.13%	3.62%
34	Waterbury Connecticut Teachers Federal Credit Union	Waterbury, CT	$14	21,965	0.60%	1.64%
35	Rockland Federal Credit Union	Rockland, MA	$14	224,919	0.31%	0.74%
36	The Health & Education Federal Credit Union	Lexington, KY	$15	12,072	0.42%	1.90%
37	Mon Valley Community Federal Credit Union	Allenport, PA	$15	8,980	0.15%	2.56%
38	A.a.e.c. Credit Union	Arlington Heights, IL	$15	4,538	0.11%	0.72%
39	SMW 104 Federal Credit Union	Livermore, CA	$15	10,940	1.49%	1.89%
40	Aim Credit Union	Dubuque, IA	$15	14,237	0.66%	1.08%
41	Missouri Electric Cooperatives Empl Credit Union	Jefferson City, MO	$15	13,858	0.40%	1.42%
42	Common Trust Federal Credit Union	Woburn, MA	$16	5,690	0.30%	0.16%
43	Aerospace Federal Credit Union	Los Angeles, CA	$16	9,001	0.23%	-0.04%
44	Illinois State Police Federal Credit Union	Springfield, IL	$16	5,997	0.34%	0.74%
45	Iron Mountain Kingsford Community Federal Credit Union	Kingsford, MI	$16	10,028	0.52%	1.69%
46	University of Hawaii Federal Credit Union	Honolulu, HI	$16	35,521	0.50%	1.35%
47	State Employees' Credit Union	Raleigh, NC	$16	2,998,339	0.59%	0.73%
48	Walled Lake Schools Federal Credit Union	Wolverine Lake, MI	$17	5,014	0.32%	1.37%
49	Hibbing Cooperative Credit Union	Hibbing, MN	$17	8,076	0.38%	2.10%
50	Advancial Federal Credit Union	Dallas, TX	$17	142,749	1.13%	0.25%
51	Patelco Credit Union	Dublin, CA	$17	542,150	0.44%	0.41%
52	Wheelhouse Credit Union	San Diego, CA	$17	32,392	0.47%	1.31%
53	Stanford Federal Credit Union	Palo Alto, CA	$17	95,997	0.16%	1.00%
54	F R B Federal Credit Union	Washington, DC	$18	5,748	0.62%	0.15%
55	BP Federal Credit Union	Houston, TX	$18	6,399	0.40%	0.26%
56	Nebraska Energy Federal Credit Union	Columbus, NE	$18	12,227	0.24%	1.38%
57	Lehigh Valley Educators Credit Union	Allentown, PA	$18	14,979	0.37%	1.00%
58	Glendale Area Schools Credit Union	Glendale, CA	$18	11,492	0.17%	-0.28%
59	Signature Federal Credit Union	Alexandria, VA	$18	27,015	0.43%	0.15%
60	Boeing Employees Credit Union	Tukwila, WA	$18	1,594,258	0.69%	0.58%
61	Urw Community Federal Credit Union	Danville, VA	$18	36,020	2.50%	0.71%
62	Star One Credit Union	Sunnyvale, CA	$19	134,349	0.15%	0.12%
63	Arcadia Credit Union	Arcadia, WI	$19	7,046	0.49%	1.29%
64	Alaska Air Group Federal Credit Union	Seatac, WA	$19	8,632	0.43%	1.21%
65	Knoxville Teachers Federal Credit Union	Knoxville, TN	$19	6,573	0.05%	0.60%
66	Whitefish Credit Union Association	Whitefish, MT	$20	65,594	0.16%	0.43%
67	CoVantage Credit Union	Antigo, WI	$20	186,054	0.68%	1.20%
68	Sri Federal Credit Union	Menlo Park, CA	$20	5,025	0.19%	0.86%
69	Denver Fire Department Federal Credit Union	Denver, CO	$20	6,326	0.30%	1.03%
70	Governmental Employees Credit Union	La Crosse, WI	$20	6,864	0.33%	0.68%
71	SJP Federal Credit Union	Buffalo, NY	$20	7,347	0.08%	1.26%
72	First Choice America Community Federal Credit Union	Weirton, WV	$20	30,588	0.34%	1.70%
73	Technology Credit Union	San Jose, CA	$21	172,314	0.24%	0.11%
74	Ukrainian Selfreliance Michigan Federal Credit Union	Warren, MI	$21	4,430	0.21%	0.89%
75	Crow Wing Power Credit Union	Brainerd, MN	$21	4,550	0.13%	0.99%
76	Hawaii Law Enforcement Federal Credit Union	Honolulu, HI	$21	14,189	0.50%	0.54%
77	USC Credit Union	Los Angeles, CA	$21	73,864	0.61%	0.49%
78	Trugrocer Federal Credit Union	Boise, ID	$21	23,094	0.81%	-0.85%
79	Iaa Credit Union	Bloomington, IL	$21	18,281	0.53%	1.08%
80	Lassen County Federal Credit Union	Susanville, CA	$21	4,406	0.43%	0.47%
81	Direct Federal Credit Union	Needham, MA	$21	23,736	0.19%	0.19%
82	University Credit Union	Los Angeles, CA	$21	60,212	0.44%	0.03%
83	Lokahi Federal Credit Union	Honolulu, HI	$22	45,384	0.53%	0.29%
84	1st Ed Credit Union	Chambersburg, PA	$22	6,376	0.10%	0.42%
85	Meriwest Credit Union	San Jose, CA	$22	75,484	0.48%	0.11%
86	OnPoint Community Credit Union	Portland, OR	$22	661,823	1.09%	1.40%
87	Purdue Federal Credit Union	West Lafayette, IN	$22	112,702	0.93%	0.98%
88	Sentry Credit Union	Stevens Point, WI	$23	7,231	0.42%	0.75%
89	Old West Federal Credit Union	John Day, OR	$23	15,899	0.57%	0.38%
90	Ukrainian National Federal Credit Union	New York, NY	$23	6,438	0.19%	0.03%
91	Pennsylvania State Employees Credit Union	Harrisburg, PA	$24	547,167	0.87%	2.01%
92	Niagara's Choice Federal Credit Union	Niagara Falls, NY	$24	21,803	0.73%	0.78%
93	Genesee Valley Federal Credit Union	Geneseo, NY	$24	9,354	0.92%	1.99%
94	St. Anne's Credit Union	Fall River, MA	$24	61,349	0.32%	0.70%
95	San Diego Firefighters Federal Credit Union	San Diego, CA	$24	3,509	0.98%	0.56%
96	Apl Federal Credit Union	Laurel, MD	$24	31,521	0.44%	1.15%
97	Minnesota Valley Federal Credit Union	Mankato, MN	$24	18,446	0.69%	1.08%
98	Best Reward Federal Credit Union	Brook Park, OH	$25	12,327	0.35%	0.63%
99	Servu Federal Credit Union	Painted Post, NY	$25	43,851	1.01%	1.43%
100	FourLeaf Federal Credit Union	Bethpage, NY	$25	527,355	0.31%	0.58%

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Fee income per member: Annualized fee income divided by members. Lower means members pay less in fees on average. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions

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Questions people ask

How is this list ranked?

Least fee income per member, $100 million and up. Annualized fee income divided by members. Lower means members pay less in fees on average. Only credit unions with at least $100 million in assets are included, so a very small credit union with a handful of loans cannot top the list. Ties go to the larger credit union. Figures come from each credit union's NCUA 5300 call report for Q2 2026 (quarter ended June 30, 2026).

Can I see more than 100, or filter by state?

Yes. The free screener lists all 1,817 credit unions that qualify for this list, filters by state, size and charter, and downloads as CSV.