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i© 2008 Credit Union National Association

2008-2009Credit Union Fees Survey

© 2008 Credit Union National Association, Inc.Stock No. 28388

1-800-356-8010, press 3

ii© 2008 Credit Union National Association

Credit UnionFees Survey

FOR MORE INFORMATION

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The 2008-2009 Credit Union Fees Surveyis a publication of CUNA’s Research& Advisory Services.

Center for Research & AdviceKristina Grebener, directorSteve Rodgers, editorBeth Soltis, senior research analystTom Dunn, editorMeg Jelak, supervisorJosh Loether, research assistantJeremiah Cahill, associate editor

Design and ProductionLinda Des Lauriers, design & producation managerNancy Hilsenhoff, associate art directorLarry Quam, desktop/typesetting

Published by theCredit Union National Association, Inc.P.O. Box 431, Madison, Wis. 53701.

Technology Spending

iii© 2008 Credit Union National Association


Table of Contents

List of Tables ........................................................................................ iv

Introduction & Methodology ................................................................. vii

About the Regions ...............................................................................viii

Fees Environment Overview ............................................................. ix

Results Summary

Chapter 1: Fee Income ........................................................................1

Chapter 2: Checking ............................................................................3

Chapter 3: NSF and Other Checking Fees ..........................................7

Chapter 4: ATM/Debit Cards ................................................................9

Chapter 5: Online Banking and Bill Payment .....................................13

Chapter 6: Credit Cards .....................................................................15

Chapter 7: Lending .............................................................................19

Chapter 8: Other Fees .......................................................................21

List of Tables

iv© 2008 Credit Union National Association


List of Tables Results Tables

Chapter 1: Fee IncomeFee Income as a Percentage of Gross1-1 Income – Year-End 2007 ........................... T-1Estimated Percentage of 2008 Fee Income1-2

From Various Sources ................................ T-2

Chapter 2: Checking 2-1 Offer Checking Accounts ............................ T-32-2 Offer Free Checking ................................... T-42-3 Number of Separate Checking Account Programs Offered ......................... T-52-4 Checking Account Programs Offered ......... T-62-5 Free Checking Programs Offered .............. T-72-6 Noninterest-Bearing Checking: Require Minimum Balance to Open Account ........... T-72-7 Noninterest-Bearing Checking: Minimum

Balance Required to Open Account ........... T-82-8 Noninterest-Bearing Checking: Charge Monthly Maintenance Fee .......................... T-82-9 Noninterest-Bearing Checking: Minimum Balance Required to Avoid Monthly Maintenance Fee ....................................... T-92-10 Noninterest-Bearing Checking: Monthly

Maintenance Fee ........................................ T-102-11 Noninterest-Bearing Checking: Charge a

Per-Check Fee for Checks Written Abovea Certain Number ....................................... T-11

2-12 Noninterest-Bearing Checking: Charge a Dormant Account Fee ................................. T-122-13 Noninterest-Bearing Checking: Dormant Account Fees .............................................. T-132-14 Noninterest-Bearing Checking: Offer Rewards ...................................................... T-132-15 Interest-Bearing Checking: Require Minimum Balance to Open Account ........... T-142-16 Interest-Bearing Checking: Minimum Balance Required to Open Account ........... T-142-17 Interest-Bearing Checking: Charge Monthly Maintenance Fee .......................... T-152-18 Interest-Bearing Checking: Minimum

Balance Required to Avoid MonthlyMaintenance Fee ........................................ T-16

2-19 Interest-Bearing Checking: MonthlyMaintenance Fee ........................................ T-16

2-20 Interest-Bearing Checking: Charge aPer-Check Fee for Checks Written Abovea Certain Number ....................................... T-17

2-21 Interest-Bearing Checking: Charge a Dormant Account Fee ................................. T-182-22 Interest-Bearing Checking: Dormant Account Fees .............................................. T-182-23 Interest-Bearing Checking: Offer Rewards ...................................................... T-192-24 Money Market Checking: Require Minimum Balance to Open Account ........... T-20

2-25 Money Market Checking: Minimum Balance Required to Open Account ........... T-202-26 Money Market Checking: Charge Monthly Maintenance Fee .......................... T-212-27 Money Market Checking: Minimum

Balance Required to Avoid MonthlyMaintenance Fee ........................................ T-22

2-28 Money Market Checking: MonthlyMaintenance Fee ........................................ T-22

2-29 Money Market Checking: Charge aPer-Check Fee for Checks Written Above a Certain Number ............................ T-23

2-30 Money Market Checking: Charge a Dormant Account Fee ................................. T-232-31 Money Market Checking: Dormant Account Fees .............................................. T-242-32 Money Market Checking: Offer Rewards ...................................................... T-242-33 Business Checking: Require Minimum Balance to Open Account ........................... T-252-34 Business Checking: Minimum Balance Required to Open Account ......................... T-252-35 Business Checking: Charge Monthly Maintenance Fee ........................................ T-262-36 Business Checking: Minimum Balance

Required to Avoid Monthly MaintenanceFee .............................................................. T-27

2-37 Business Checking: Monthly MaintenanceFee .............................................................. T-27

2-38 Business Checking: Charge a Per-CheckFee for Checks Written Above a CertainNumber ....................................................... T-28

2-39 Business Checking: Charge a Dormant Account Fee ............................................... T-282-40 Business Checking: Dormant Account Fees ............................................................ T-292-41 Business Checking: Offer Rewards ............ T-29

Chapter 3: NSF and Other Checking Fees3-1 Charge Nonsufficient Funds (NSF) Fees ... T-303-2 NSF Fee ..................................................... T-313-3 Automatic Overdraft Transfer ..................... T-313-4 Automatic Overdraft Transfer Fee .............. T-323-5 How Fee for Automatic Overdraft Transfer Is Assessed ................................................ T-323-6 Offer Overdraft Line-of-Credit .....................T-333-7 Overdraft Line-of-Credit Fee ....................... T-333-8 How Fee for Overdraft Line-of-Credit Is Assessed .................................................... T-343-9 Offer Automated Overdraft Protection Program ...................................................... T-343-10 Automated Overdraft Protection Program Fee .............................................................. T-35

List of Tables

v Credit Union Fees Survey

3-11 How Fee for Automated Overdraft Protection Program Is Assessed ................ T-353-12 Charge Returned Deposit Item Fee ........... T-363-13 Returned Deposit Item Fee ........................ T-373-14 Charge Check Stop-Payment Fee ............. T-393-15 Check Stop-Payment Fee .......................... T-39

Chapter 4: ATM/Check Cards4-1 Offer ATM or Check Cards ......................... T-404-2 Charge One-Time Issuance Fee for ATM or Check Card .................................... T-414-3 One-Time Issuance Fee for ATM or Check Card ................................................. T-414-4 Charge Replacement-Card Fee for ATM or Check Card .................................... T-424-5 Replacement-Card Fee for ATM or Check Card ................................................. T-434-6 Charge Annual Fee for ATM or Check Card ................................................. T-434-7 Annual Fee for ATM or Check Card ........... T-444-8 Charge Per-Transaction Fee for Using Non-Owned ATMs ............................ T-444-9 Per-Transaction Fee for Using Non- Owned ATMs .............................................. T-454-10 Allow Free Transactions Before

Assessing Fee for Use of Non-Owned ATMs ......................................................... T-454-11 Number of Free Transactions Allowed

Before Charging for Using Non-Owned ATMs ......................................................... T-464-12 Charge Per-Transaction Fee for Using

CU’s Own ATMs ......................................... T-464-13 Per-Transaction Fee for Using Owned ATMs .......................................................... T-474-14 Number of Free Transactions Allowed Before Charging for Using CU’s Owned ATMS .......................................................... T-484-15 Charge Fee for PIN-Based Check Card Transactions at the Point-of-Sale ............... T-484-16 Per-Transaction Fee for PIN-Based Check Card Transactions at the Point-of-Sale ............................................... T-494-17 Number of Free Transactions Allowed Before Charging for PIN-Based Check Card Transactions at the Point-of-Sale ...... T-504-18 Instituted or Increased Per-Transaction Fee for PIN-Based Check Card Transactions at the Point-of-Sale in the Last 12 Months ........................................... T-514-19 Offer Rewards on Check Cards ................. T-524-20 Belong to a Surcharge-Free ATM Network ....................................................... T-534-21 Own/Lease ATMs ....................................... T-534-22 Number of ATMs Owned or Leased ........... T-544-23 Surcharge Nonmembers on Owned or Leased ATMs ............................................. T-554-24 Nonmember Surcharge Fee on Owned

or Leased ATMs ......................................... T-55

4-25 Number of Owned ATMs That Surcharge .. T-564-26 Plan to Surcharge Nonmembers on Owned ATMs in Next 12 Months ............... T-58

Chapter 5: Online Banking and Bill Payment5-1 Offer an Online Remote Banking Product .. T-595-2 Charge Fee to Use Online Banking ........... T-605-3 Charge Inactive User Fee for Online Banking ....................................................... T-605-4 Include Bill-Payment as Part of Online Banking Product ......................................... T-615-5 Charge Additional Amount for Online Bill-Payment Service .................................. T-615-6 Monthly Fees for Online Bill-Payment ........ T-625-7 Per-Transaction Fee for Online Bill-Payment ................................................ T-625-8 Charge Inactive User Fee for Online Bill-Payment ................................................ T-635-9 Inactive User Fee for Online Bill-Payment . T-635-10 Charge Fee for Stop-Payment on Online Bill-Payment Service .................................. T-645-11 Stop-Payment Fees for Online Bill-Payment ................................................ T-64

Chapter 6: Credit Cards6-1 Offer Credit Cards ...................................... T-666-2 Own Credit Card Portfolio .......................... T-676-3 Number of Separate Credit Card Programs Offered ....................................... T-676-4 Types of Credit Cards Offered ................... T-686-5 Charge Annual Credit Card Fee ................. T-686-6 Annual Credit Card Fees ............................ T-696-7 Charge Late Payment Credit Card Fee ...... T-696-8 Classic Credit Cards: Flat-Dollar Late-Payment Fee ...................................... T-706-9 Gold Credit Cards: Flat-Dollar Late-Payment Fee ...................................... T-716-10 Platinum Credit Cards: Flat-Dollar Late-Payment Fee ...................................... T-726-11 Classic Credit Cards: Percentage Assessed as Late-Payment Fee ................ T-736-12 Gold Credit Cards: Percentage Assessed as Late-Payment Fee ................ T-746-13 Platinum Credit Cards: Percentage Assessed as Late-Payment Fee ................ T-756-14 Classic Credit Cards: Days After Due Date When Charge Late-Payment Fee ...... T-766-15 Gold Credit Cards: Days After Due Date When Charge Late-Payment Fee ............... T-776-16 Platinum Credit Cards: Days After Due Date When Charge Late-Payment Fee ...... T-786-17 Increase Interest Rate as a Penalty for

Late Payments ............................................ T-786-18 Number of Late Payments Before Increase Interest Rate ................................ T-796-19 Charge Over-Credit-Limit Credit Card Fee ......................................................... T-79

List of Tables

vi© 2008 Credit Union National Association

6-20 Classic Credit Cards: Flat-Dollar Over-Credit-Limit Fee ................................. T-806-21 Gold Credit Cards: Flat-Dollar Over-Credit-Limit Fee ................................. T-806-22 Platinum Credit Cards: Flat-Dollar Over-Credit-Limit Fee ................................. T-816-23 Charge Cash-Advance Credit Card Fee .... T-816-24 Classic Credit Cards: Flat-Dollar Cash Advance Fees ................................... T-826-25 Gold Credit Cards: Flat-Dollar Cash Advance Fees ................................... T-826-26 Platinum Credit Cards: Flat-Dollar Cash Advance Fees ................................... T-836-27 Classic Credit Cards: Percent of Cash Advance Fees ................................... T-846-28 Gold Credit Cards: Percent of Cash Advance Fees ................................... T-846-29 Platinum Credit Cards: Percent of Cash Advance Fees ................................... T-856-30 Grace Period for Repayment of Balances ..................................................... T-856-31 Classic Credit Cards: Number of Days in Grace Period for Repayment of Balances ..................................................... T-866-32 Gold Credit Cards: Number of Days in Grace Period for Repayment of Balances ..................................................... T-866-33 Platinum Credit Cards: Number of Days in Grace Period for Repayment of Balances ..................................................... T-876-34 Offer Balance Transfer Promotions ............ T-876-35 Charge a Balance-Transfer Fee ................. T-886-36 Offer Rewards ............................................ T-886-37 Charge a Fee for Rewards ......................... T-89

Chapter 7: Lending7-1 Offer First Mortgage Loans ........................ T-907-2 Flat-Dollar Closing Costs for First Mortgage Loans .......................................... T-917-3 Charge Loan Application Fee for First Mortgage Loans .......................................... T-917-4 Flat-Dollar Application Fee for First Mortgage Loans .......................................... T-927-5 Offer Skip-a-Payment Option on Member Loans .......................................................... T-937-6 Skip-a-Payment Fee ................................... T-937-7 Offer Member Business Loans ................... T-947-8 Charge Loan Application Fee for Member Business Loans .......................................... T-947-9 Flat-Dollar Application Fee for Member Business Loans .......................................... T-957-10 Waive Application Fee for Member

Business Loans Over a Certain Size ......... T-957-11 Charge Commitment Fees for Fixed-Term Member Business Loans ............................ T-967-12 Percent of Member Business Loan Amount Charged as Commitment Fee ....... T-96

7-13 Charge Commitment Fees for Member Business Line of Credit .............................. T-977-14 Percent of Member Business Lines-of- Credit Charged as Commitment Fee ......... T-977-15 Offer Commercial Real Estate Loans ........ T-987-16 Charge Commitment Fees for Commercial Real Estate Loans ................. T-987-17 Percent of Commercial Real Estate Loan Amount Charged as Commitment Fee ...... T-997-18 Charge Draw Inspection Fees for Commercial Construction Loans ................ T-997-19 Flat-Dollar Draw Inspection Fee for Commercial Construction Loans ................ T-1007-20 Charge Payoff Processing Fee for Commercial Real Estate Loans ................. T-100

Chapter 8: Other Fees8-1 Charge Membership Fee ............................ T-1018-2 Membership Fee ......................................... T-1028-3 Cashier’s Check (for Members) .................. T-1038-4 Certified Check ........................................... T-1038-5 Money Orders ............................................. T-1048-6 Single Traveler’s Checks ............................ T-1048-7 Dual Signature Traveler’s Checks .............. T-1058-8 Foreign Check Handling ............................. T-1058-9 Outgoing Domestic Wire Transfer .............. T-1068-10 Incoming Domestic Wire Transfer .............. T-1068-11 Outgoing Foreign Wire Transfer ................. T-1078-12 Incoming Foreign Wire Transfer ................. T-1078-13 Wire Tracer ................................................. T-1088-14 Charge Check Cashing Fee for Nonmembers .............................................. T-1088-15 Charge Payroll Check Cashing Fee for Nonmembers .............................................. T-1098-16 Charge Government Check Cashing Fee for Nonmembers ......................................... T-1098-17 ACH Origination .......................................... T-1108-18 ACH Stop Payment .................................... T-1108-19 Non-PC-Based Bill-Pay Service ................. T-1118-20 Non-PC-Based Bill-Pay Stop Payment Fee .............................................................. T-1118-21 Account-to-Account (A2A) Transfers .......... T-1128-22 Gift Cards ................................................... T-1128-23 Lobby Transactions .................................... T-1138-24 Microfilm Copy of Check ............................ T-1138-25 Statement (Hard Copy via Mail) ................. T-1148-26 Garnishment and Levies ............................. T-114

vii© 2008 Credit Union National Association


Introduction & Methodology

This report summarizes the results of a survey of nearly 3,255 affiliated credit unions of all asset sizes. This survey research was conducted by CUNA’s Research & Advisory Services department between July and September of 2008.

To maximize the study’s reliability, a three-wave mailing was employed. In July, a six-page questionnaire was sent to 3,253 credit unions. A cover letter requesting the credit union’s participation in the survey was included with the survey. As an incentive, credit unions were offered a discount on the report if they responded to the survey. The surveys could be filled out online or returned directly to CUNA Market Research in postage-paid envelopes.

Responses were monitored. After three weeks, credit unions that did not respond to the initial mailing were sent a follow-up postcard, again requesting their survey participation. In August, a third invitation to participate in the survey along with another questionnaire was sent to the sampled credit unions that had not yet participated.

By September 2008, 1,346 usable questionnaires were completed, resulting in a response rate of 42%. The sample was stratified by credit union asset size and larger credit unions were over-sampled to ensure representation. The data collected was weighted to adjust for the over- or under-representation of credit unions in any strata. Weighting is a standard survey analysis procedure designed to increase the reliability of the survey results and to ensure the results are not biased by a specific group of credit unions.

Based on the final number of usable questionnaires, the maximum sampling error for the overall percentages is + 2.4% at a 95% confidence level. That is, we can be 95% sure that the true percentages for the credit union population fall within 2.4 percentage points of those presented in this study.

viii Credit Union Fees Survey viii

Mountain

Pacific

WestNorth Central

Pacific

WestSouth Central

EastSouth

Central

SouthAtlantic

MiddleAtlantic

NewEngland

EastNorth Central

REGIONS

Northeast = New England (ME, NH, VT, MA, RI, CT)

Middle Atlantic = (NY, NJ, PA)

Midwest = East North Central (OH, IN, IL, MI, WI)

West North Central = (MN, IA, MO, ND, SD, NE, KS)

South = South Atlantic (DE, MD, DC, VA, WV, NC, SC, GA, FL)

East South Central = (NY, NJ, PA)

West South Central = (KY, TN, AL, MS)

West = Mountain (MT, ID, WY, CO, NM, AZ, UT, NV)

Pacific = (WA, OR, CA, AK, HI)

REGIONS

Northeast = New England (ME, NH, VT, MA, RI, CT); Middle Atlantic (NY, NJ, PA)

Midwest = East North Central (OH, IN, IL, MI, WI);

West North Central (MN, IA, MO, ND, SD, NE, KS)

South = South Atlantic (DE, MD, DC, VA, WV, NC, SC, GA, FL);

East South Central (KY, TN, AL, MS); West South Central (AR, LA, OK, TX)

West = Mountain (MT, ID, WY, CO, NM, AZ, UT, NV); Pacific (WA, OR, CA, AK, HI)

Credit UnionFees SurveyAbout the Regions

Fees Environment Overview

Page ix© 2008 Credit Union National Association



To most consumers and consumer advocates, “bank fees” is a phrase that conjures up images of unfairness and expense. And who can blame them? Charges for infractions such as late payments or exceeding credit card limits have almost tripled at banks over the past decade, according to MSN Money. Getting less attention, but becoming more prevalent, are fees imposed on more responsible consumers who are merely trying to access and manage their accounts. For example:

• Theaveragefeeaconsumerpays for using another institution’s ATM is 25% higher than it was six years ago.

• Adecadeago,thefeeforgetting a credit card cash advance was generally 2% of the transaction and an additional $10 maximum. Today, the fee is often 3% with no maximum.

• Tenyearsago,theaveragestop-payment fee was $10. Today, it’s $25.

There’s no denying that the core business of financial institutions — the buying and selling of money — has become less profitable. Credit unions’ return on assets has remained relatively low for the past four years, and CUNA economists expect only modest improvement in 2009.

“If you need to hit your revenue target, one of the easiest ways to do it is to raise your fees,” Keith Horowitz, a banking analyst at Citigroup, told The Wall Street

Journal. “It falls straight to the bottom line.” With the U.S. banking industry reeling from the housing slump, banks need additional fee income, and unless there’s a surprisingly fast economic rebound in 2009, more fee increases are on the way, according to Horowitz.

To remain profitable, many financial institutions have had to turn to non-interest income, including fees. Indeed, consumers paid more than $36 billion in fees at banks, thrifts, and credit unions in 2006, according to FDIC. That’s up from $34.5 billion in 2005 and $24.4 billion in 2000. Bank fees (including fees from commercial customers) represent nearly 50% of banks’ total income, according to current estimates. In comparison, about 12% of credit union income came from fees in 2007, according to CUNA reports and NCUA Call Reports.

Overdraft Protection

Deposit service charges (primarily overdraft-protection fees) constitute a significant portion of overall fee income. In fact, many financial institutions have turned to “no fee” checking accounts to increase the number of checking accounts they hold, and, in turn, the potential use of overdraft-protection features by consumers.

Not coincidentally, these programs have come under increased scrutiny in recent years. Consumers paid $17.5 billion in 2007 in overdraft protection fees, according to a study released in August 2008 by the Consumer Federation of America and U.S. Public Interest Research Group.

The study, which examined overdraft-protection programs at the nation’s 10 largest banks, found that overdraft fees increased an average of 15% from 2005 to 2007, and that all of these banks unilaterally enrolled account holders in the program without their consent.

The study criticizes the practice that some financial institutions employ of paying the largest checks first — which consumer advocates claim causes an increase in overdraft incidences and therefore boosts fees. Another practice that was criticized in the report involves charging an overdraft fee backdated to a signature debit transaction. In other words, if a consumer didn’t have the funds in the account to cover a debit transaction when it was made, but deposited funds during the “float” time before the transaction was posted, the bank still charges an overdraft fee, even though the transaction was technically covered by the consumer.

Both the Federal Reserve and Federal Trade Commission continue examining overdraft programs and regulations. One possible solution offered by consumer advocates is that financial institutions offer small, short-term loans to consumers rather than make what they consider to be the same thing through overdraft programs. This solution, however, would involve additional loan disclosures and regulatory burdens that currently aren’t required of overdraft programs.



Page x Credit Union Fees Survey

Credit Unions as Consumers Advocates

Traditionally, fees have been a point of differentiation between banks and credit unions. Credit unions tend to focus on maintaining a minimum number and amount of fees in comparison to banks. “When a credit union collects fee income, the aim is to give that value back to the members, not to benefit stockholders,” Bob Larson, of CUNA Mutual Group, told attendees at its annual Discovery Conference.

These practices and the reputation credit unions have as consumer advocates provide them with a competitive edge.

Regardless of the amount or number of fees, they’re clearly a source of irritation for consumers. Dissatisfaction with fees was the problem customers cited most often and was the number two reason for switching financial institutions, according to J.D. Power and Associates’ 2008 Retail Banking Satisfaction Survey. Credit unions were not included in the survey.

Rocky Clancy, executive director of the banking practice for J.D Power, said banks should be more upfront about disclosing fees. Fee information at banks is difficult to find, either in the branch or online, according a GAO study released in the first quarter of 2008. GAO researchers couldn’t find detailed fee information or account terms at 20% of the institutions they investigated. Clancy noted that “it’s not the fees per se, it’s what consumers get for them” and that consumers are fine with fees when the value is apparent. Developing a set of policies for fees and enforcing them is crucial to keeping consumers informed, he says.

Relationship-Based Pricing

Some institutions are breaking away from the “one fee fits all” business model and offering consumers more customized service and fee bundles. Some current customer-service mechanisms let financial institutions reach across consumer data and combine transaction history, credit risk, and other characteristics to determine personalized fee structures or price points. This often comes in the form of reduced transaction costs in exchange for the consumer becoming a more profitable account holder with multiple account relationships, such as mortgages, auto loans, and wealth-management products.

“Relationship-based pricing will be the competitive advantage of the future,” Mary Pilecki, senior analyst at Forrester Research, tells USBanker magazine. A 2007 study by Bank Administration Institute and Strategic Horizons consultants suggests consumers are open to relationship-based pricing structures. At one bank currently using advanced customer-relationship software, the magazine reports that the institution has seen a 70% decline in single-service or single-product households since implementing the customized-pricing scheme.

Purpose of this report

Credit unions face an increasingly challenging operating environment. Heightened competition, slow loan growth, and the decline in return on assets (ROA) make evaluating and setting fees a critical task. For this purpose, CUNA’s 2008-2009 Credit Union Fees Survey provides an in-depth look at nationwide credit union fee structure for a full range of services including overdraft protection, online banking, ATM and check cards, credit cards, loans and more. Results are categorized by asset size and region among other points of comparison as measured through an online survey conducted between July and September of 2008. To order additional copies of this report, call CUNA Member Service at 800/356-8010, ext. 4157, and ask for stock number 28388 or visit buy.cuna.org and enter the stock number into the product finder.

Chapter 1 — Fee Income

Page 1© 2008 Credit Union National Association

Chapter 1 — Fee Income

Fee Income as a Percentage of Gross Income

Nearly two-thirds of CEOs of credit unions with $100 million or more in assets reported lower margins as one of their most challenging issues, according to a 2007 survey conducted by Aite, a research consulting firm. For the past several years, credit union net interest margin has fallen below operating expenses. In other words, the typical credit union now earns less borrowing money short-term and lending long-term as compared to the cost of running its business.

Fortunately, fee income keeps many credit unions in the black. Due to declining margins, fees charged to members have become a key source of income for credit unions and constitute a greater percentage of total gross income. At year-end 2007, credit union fee income accounted for 12.0% of gross income, on average. In comparison, the same figure was 7.9% at year-end 2000. Fee income as a percentage of gross income increases with asset size and at year-end 2007 peaked at 15.0% among credit unions with assets of $100 million to $200 million (Figure I and Table 1-1).

Overall, 7% of credit unions do not derive any of their gross income from fees. The smallest credit unions are most likely not to have fee income. For example, one in four credit unions with less than $2 million in assets fall in this category.

Sources of Fee Income

Overwhelmingly, the largest source of fee income for credit unions is NSF/overdraft fees, which account for nearly 45% of

total fees. NSF/overdraft fees are clearly the leading fee type across all asset sizes except the smallest credit unions – those with less than $2 million in assets (Figure II and Table 1-2).

Fees associated with loans other than mortgages and ATM/debit card fees are nearly tied as the second-highest sources of fee income. Overall, each of these sources represents about 11% of total fee income.

Figure IAverage 2007 Fee Income as a Percentage of

Total Gross Income by Assets

12.0%

4.1%

7.8%

9.8%

11.6%12.9%

15.0% 14.4%

10.4%

14.2%

0%

5%

10%

15%

20%

Overall Lessthan $2M

$2M- $5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M or more

Source: CUNA’s Operating Ratios and Spreads, Year-End 2007.

Figure IIEstimated Percentage of 2007 Fee Income from Various Sources

15.2%

0.2%

0.8%

2.7%

2.7%

2.7%

6.1%

10.6%

11.2%

43.1%

4.5%

0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%

Other fees

PC-based remote access fees

Second mortgage loan fees

Savings fees

First mortgage loan fees

Membership fees

Credit card fees

Other checking fees

ATM/debit card fees

Other loan fees

NSF/overdraft fees


Chapter 2 – Checking



Checking Account Offerings

Overall, 74% of credit unions across the nation offer checking accounts. This figure rises to nearly 100%, however, among credit unions with $20 million or more in assets (Table 2-1). Eight in 10 (80%) credit unions offering checking accounts provide at least one free checking account with no minimum balance requirement and no maintenance or activity fees (Figure I and Table 2-2).

Traditionally, offering free checking has been one of the advantages credit unions have held over their competitors. Banks, however, have made great strides in this arena. In 2000, over 65% of credit unions that provided checking services offered at least one free checking account, compared to just 28% of banks. By 2007, 68% of bank noninterest checking accounts had no monthly service fee and had no minimum balance requirement, according to Bankrate’s Checking Study. Indeed, many bankers believe offering free checking is necessary to remain competitive.

In addition to the 80% of credit unions that offer at least one free checking account, an additional 7% offer free checking in combination with other services or club memberships.

Among credit unions that provide checking accounts, just over half (53%) offer a single account type. Not surprisingly,


the median number of separate checking accounts a credit union offers increases with asset size. While credit unions with less than $50 million in assets offer a median of one type of checking account, this figure ranges from two to four

different accounts among credit unions with $50 million or more in assets (Table 2-3).

By far, noninterest-bearing accounts are the most prevalent type of checking account offered

Figure IOffer Free Checking by CU Asset Size

80%83%

75% 76%

83% 82%85%

75%

50%

70% 72%78% 77%

81%

72%77%

82%

72%

84%88%

84%

76%

40%

60%

80%

100%

Overall Lessthan$2M

$2M-$5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B ormore

2008 2006

Note: Limited to credit unions that offer checking accounts.

Figure IIChecking Account Types Offered

72%

56%

40%

27%28%

43%

59%68%

0%

20%

40%

60%

80%

100%

Noninterest-bearing Interest-bearing Business Money market

2008 2006Note: Limited to credit unions that offer checking accounts.


Page 4 Credit Union Fees Survey

by credit unions and also the most likely to be offered without fees. Overall, nearly 70% of credit unions offering checking accounts provide noninterest-bearing accounts. Half (50%) of these credit unions offer free noninterest-bearing accounts that have no minimum balance requirements and no monthly service or activity fees (Figure II and Tables 2-4 and 2-5).

In comparison, 59% of credit unions offer interest-bearing checking accounts, 43% business checking, and 28% money market checking accounts. The prevalence of each of these offerings increases with asset size and has not changed significantly since the 2006 study.

About one-third of credit unions that offer interest-bearing checking or business checking offer these accounts as free – no minimum balance requirements and no monthly service or activity fees. Just 10% of credit unions that offer money market accounts provide these accounts for free.

Noninterest-Bearing Checking Accounts

One-third (34%) of credit unions that offer noninterest-bearing checking accounts require a minimum balance to open these accounts, which is identical to the percentage reported in the 2006 study (Table 2-6). The median minimum balance to open a noninterest-bearing checking account among credit unions that require a minimum balance is $50 but ranges from $10 to $500 (Table 2-7).

Overall, 17% of credit unions charge monthly maintenance fees on their noninterest-bearing checking accounts, identical to the figure reported in 2006 (Table 2-8). While 7% do so regardless of the account balance, 10% will only charge a monthly maintenance fee if the account falls below a minimum balance.

Among credit unions where the monthly maintenance fee is avoidable, the median minimum balance required is $300 and ranges from $25 to $3,000

(Table 2-9). The median monthly maintenance fee is $5 and ranges from $1 to $100 (Table 2-10).

Charging a per-check fee on noninterest-bearing checking accounts is rare. Just 1% of credit unions charge per-check fees for checks written above a certain number. This figure is down slightly from 3% in 2006 (Table 2-11).

One-third (34%) of credit unions charge a dormant account fee on their noninterest-bearing accounts (Table 2-12). The median monthly fee charged is $5 but ranges from $1 to a maximum of $50 (Table 2-13).

Just 5% of noninterest-bearing checking accounts offered by credit unions include a rewards program where members can earn better rates, merchandise, and other perks (Table 2-14).

Interest-Bearing Checking Accounts

Half (50%) of credit unions that offer interest-bearing checking accounts require a minimum balance to open these accounts, down slightly from 54% in 2006 (Table 2-15). The median minimum balance to open an interest-bearing checking account among credit unions that require a minimum balance is $50 and ranges from $5 to $10,000 (Table 2-16).

Overall, 44% of credit unions charge monthly maintenance fees on their interest-bearing checking accounts, which is comparable to what was found in 2006 (Table 2-17). Just 7% charge a monthly maintenance fee regardless of the account balance, while 37% only charge when the balance falls below a minimum requirement.

Noninterest-Bearing Checking Account Structure* 2008 2006 % that require a minimum balance to open account 34% 34% Median minimum balance to open account** $50 $50 % that charge a monthly maintenance fee 17% 17% Median monthly maintenance fee** $5.00 $5.00 % that waive monthly maintenance fee for minimum balance 59% 55% Median minimum balance to avoid mo. maintenance fee** $300 $268 % that charge a per-check fee (above a certain number) 1% 3% Median maximum number of checks allowed** 20 38 Median per-check fee in excess of allowed number** $0.19 $0.25 % that charge a dormant account fee 34% n/a Median monthly dormant account fee $5.00 n/a % that offer rewards 5% n/a *Based on credit unions that offer noninterest-bearing checking accounts. **Based on credit unions that have the particular requirement or fee.



Among credit unions where the monthly maintenance fee is avoidable, the median minimum balance required is $500 but goes as high as $25,000 (Table 2-18). The median monthly maintenance fee is $5 (Table 2-19).

Only 2% of credit unions charge per-check fees for checks written above a certain number (Table 2-20). Among this small number of credit unions, a median of 29 checks can be written before a per-check fee is assessed. The median per-check fee assessed on interest-bearing checking accounts is 20 cents.

Over one-third (35%) of credit unions charge a dormant account fee on their interest-bearing checking accounts (Table 2-21). The median monthly fee charged is $5 but ranges from 50 cents to $200 (Table 2-22).

Nearly 20% of interest-bearing checking accounts offered by credit unions also provide members the opportunity to earn rewards. Credit unions with $100 million or more in assets are slightly more likely than smaller credit unions to provide this option (Table 2-23).

Money Market Checking Accounts

The vast majority (84%) of credit unions that offer money market checking accounts require a minimum balance to open these accounts – a figure identical to the one presented in the 2006 study (Table 2-24). Among credit unions that require a minimum balance, the median required balance is $2,500 and ranges anywhere from $5 to $10,000 (Table 2-25).

Just over 40% of credit unions charge monthly maintenance fees on their money market checking accounts. All will, however, waive this fee if the member maintains a certain minimum balance on the account (Table 2-26). The median balance among credit unions that require a minimum monthly balance to avoid maintenance fees is $2,500 (Table 2-27). Monthly maintenance fees for money market checking accounts range

Interest-Bearing Checking Account Structure* 2008 2006 % that require a minimum balance to open account 50% 54% Median minimum balance to open account** $50 $100 % that charge a monthly maintenance fee 44% 49% Median monthly maintenance fee** $5.00 $5.00 % that waive monthly maintenance fee for minimum balance 85% 80% Median minimum balance to avoid mo. maintenance fee** $500 $500 % that charge a per-check fee (above a certain number) 2% 3% Median maximum number of checks allowed** 29 26 Median per-check fee in excess of allowed number** $0.20 $0.15 % that charge a dormant account fee 35% n/a Median monthly dormant account fee $5.00 n/a % that offer rewards 18% n/a *Based on credit unions that offer interest-bearing checking accounts. **Based on credit unions that have the particular requirement or fee.

from $2 to $25, with a median of $10 (Table 2-28).

One-quarter (25%) of credit unions charge per-check fees for checks written above a certain number. Credit unions allow a median of three checks to be written per month before charging a per-check fee. The median per-check fee is $10, up from $5 in 2006, among credit unions that charge for checks written above a

Money Market Checking Account Structure* 2008 2006 % that require a minimum balance to open account 84% 84% Median minimum balance to open account** $2,500 $2,500 % that charge a monthly maintenance fee 41% 40% Median monthly maintenance fee** $10.00 $7.49 % that waive monthly maintenance fee for minimum balance 100% 93% Median minimum balance to avoid mo. maintenance fee** $2,500 $2,500 % that charge a per-check fee (above a certain number) 25% 26% Median maximum number of checks allowed** 3 3 Median per-check fee in excess of allowed number** $10.00 $5.00 % that charge a dormant account fee 35% n/a Median monthly dormant account fee $5.00 n/a % that offer rewards 18% n/a *Based on credit unions that offer money market checking accounts. **Based on credit unions that have the particular requirement or fee.



certain number on money market checking accounts (Table 2-29).

Over one-third (35%) of credit unions charge a dormant account fee on their money market checking accounts (Table 2-30). The median monthly fee charged is $5 but ranges from $1 to $200 (Table 2-31).

Almost 20% of money market checking accounts offered by credit unions come with a rewards option (Table 2-32).

Business Checking Accounts

Just over one-third (37%) of credit unions that offer business checking accounts require a minimum balance to open the account (Table 2-33). The median minimum balance to open the account is $50 and ranges from $10 to $2,500 (Table 2-34).

About 40% of credit unions charge a monthly maintenance fee on their business checking accounts. Nearly 55% will waive the fee, however, if a minimum balance is maintained (Table 2-35). Minimum balance requirements range from $5 to $20,000 with the median at nearly $600 (Table 2-36). Monthly maintenance fees range from $1 to $100 with a median of $8 (Table 2-37).

Just 16% of credit unions that offer business checking accounts charge per-check fees for checks written above a certain number. Among this small number of credit unions, a median of 50 checks are allowed before charging a per-check fee. The median per-check fee is 20 cents (Table 2-38).

Over one-third (35%) of credit unions charge a dormant account fee on their business checking accounts (Table 2-39). The median monthly fee charged is $5 and

Business Checking Account Structure* 2008 2006 % that require a minimum balance to open account 37% 36% Median minimum balance to open account** $50 $50 % that charge a monthly maintenance fee 41% 43% Median monthly maintenance fee** $8.00 $9.97 % that waive monthly maintenance fee for minimum balance 54% 46% Median minimum balance to avoid mo. maintenance fee** $592 $1,000 % that charge a per-check fee (above a certain number) 16% 16% Median maximum number of checks allowed** 50 42 Median per-check fee in excess of allowed number** $0.20 $0.15 % that charge a dormant account fee 35% n/a Median monthly dormant account fee $5.00 n/a % that offer rewards 13% n/a *Based on credit unions that offer business checking accounts. **Based on credit unions that have the particular requirement or fee.

ranges from 50 cents to $30 (Table 2-40).

Almost 15% of business checking accounts offered by credit unions also provide business owners the opportunity to earn rewards (Table 2-41). Rewards checking of any type is more prevalent among the larger credit unions.

Chapter 3 – NSF and Other Checking Fees



Nonsufficient Funds

Nonsufficient funds (NSF) fees, overdraft fees, and other fees related to deposited checks are the largest source of fee income for financial institutions. For the typical credit union, these fees account for 43% of total fee income.

Almost all credit unions (99%) offering checking accounts charge NSF fees. This figure reaches 100% among credit unions with $20 million or more in assets and hasn’t changed since the 2006 study (Table 3-1). NSF fees range from nearly $5 to $40. The overall median fee is $25, an increase from $20 in 2006 (Table 3-2).

Overdraft Protection Programs

Automatic TransferInstead of assessing NSF

fees, many financial institutions offer various overdraft protection programs. Automatic overdraft transfers are the most prevalent overdraft protection offered by credit unions. This overdraft protection program links a checking account to another account owned by the same member. Funds are automatically transferred from the linked account to the checking account to cover a potential overdraft. About 95% of credit unions with checking accounts offer automatic overdraft transfer. This percentage hasn’t changed since 2006. Nearly 60% provide this service for a fee, while 36% do so without a charge to the member (Figure I and Table 3-3).

Fees assessed for automatic overdraft transfers range from 30 cents to $28 although the median is $3, as it was in 2006 (Table 3-4).


Half (51%) of credit unions assess the fee per overdraft item, while 41% do so per aggregate daily transfer (Table 3-5).

Line-of-CreditAlmost 60% of credit unions

with checking accounts offer an overdraft line-of-credit, nearly identical to the percentage that did so in 2006. For this type of program, the member applies for a line-of-credit and overdrafts are covered by this line. Just over 40% of credit unions do so without a charge to the member, while 17% do so for a fee. The likelihood of a credit union offering an overdraft line-of-credit increases with asset size (Table 3-6).

The median fee among the credit unions that charge for an overdraft line-of-credit is $5 as was the case in 2006. Fees range, however, from $1 to $35 (Table 3-7). Nearly 45% of credit unions charge the fee for each overdraft

item, while 34% assess the fee per aggregate daily transfer (Table 3-8).

Automated Overdraft Protection

Automated overdraft protection programs, also known as “courtesy pay” or “bounce protection,” use the financial institution’s money (instead of drawing from the member’s credit line or another account) to cover the overdrafts. Consumer-rights groups, however, contend that fees for these programs are not fully disclosed, and in early 2008, the Federal Reserve proposed a rule that bars financial institutions from charging an overdraft fee unless consumers have the chance to opt out of the program.

Currently, half (52%) of

credit unions that offer checking accounts offer automated overdraft protection programs, up from 44% in 2006. Five percent provide the

Figure IOverdraft Protection Programs and

Median Fee Charged

57%

17%

47%

5%

42%36%

0%

20%

40%

60%

80%

100%

Automatic overdrafttransfer

Overdraft line-of-credit Automated overdraftprotection

% offering without charge % offering for a fee

$5.00$25.00

$3.00



protection without charging a fee to the member, while 47% do so for a fee (Table 3-9).

The likelihood of offering automated overdraft protection programs increases with asset size. No more than one-third (35%) of credit unions with less than $20 million in assets offer this protection on their checking accounts, compared to about 50% to 90% of those with $20 million or more in assets.

Among credit unions charging

a fee for automated overdraft protection, fees range from $1 to $38, with the median being $25 – identical to the figure reported in 2006 (Table 3-10). In comparison, overdraft fees among the largest 10 banks have increased 15% since 2005 and average nearly $35, according to a survey conducted by the Consumer Federation of America.

The vast majority of credit unions (94%) assess the fee per overdraft item covered (Table 3-11). Only 4% of credit unions assess the automated overdraft protection fee per aggregate daily transfer.

Deposit NSF and Check-Hold Fees

In terms of deposited items, almost 90% of credit unions, up from 80% in 2006 and 65% in 2001, assess a charge-back fee on members’ deposits if returned due to the payors’ NSF (Table 3-12). The median charge-back fee is $15 – identical to the 2006 figure – although the most prevalent fee is $10 (Table 3-13).

Virtually all credit unions (98%) assess check stop-payment fees, as was the case in 2006. The median fee is $16.32, which is slightly above the $15 median fee reported in 2006 (Tables 3-14 and 3-15).

Chapter 4 – ATM/Check Cards



ATM/Check Cards

Overall, 69% of credit unions across the nation offer ATM cards and/or check cards (check cards include debit or combined ATM/debit cards). This figure rises to at least 90%, however, among credit unions with $10 million to $50 million in assets and reaches about 100% among credit unions with $50 million or more in assets (Figure I and Table 4-1). Almost 95% of credit unions offering checking accounts provide ATM and/or check cards to members. The prevalence of ATM and/or check cards is similar to what was found in 2006.

Check cards have become universal among banks, according to Bankrate’s 2007 Check Card Survey. Many consumers prefer check cards over credit cards due to the high interest rates and late-payment fees associated with credit cards. In fact, check cards have been used to make more purchases than credit cards since 2003 and are becoming the dominant form of payment, according to the Federal Reserve.

ATM/Check Card Fees

One-time issuance fees for ATM or check cards are not common among credit unions. Only 5% of credit unions charge a one-time issuance fee. This is comparable to the 2006 figure. Larger credit unions are least likely to charge this fee – no more than 1% of credit unions with $100 million or more in assets do so (Table 4-2). Among credit unions that charge an issuance fee, the median is $5 and ranges from $1 to $15 (Table 4-3).


Most credit unions charge a replacement-card fee for ATM or check cards. Nearly 85% of credit unions charge a replacement-card fee, which is similar to 2006 (Table 4-4). The median fee charged is $5 but ranges from $1 to $50 (Table 4-5).

Similar to issuance fees, annual fees are uncommon. Only 3% of credit unions charge an annual fee for ATM or check cards, which is also similar to 2006. Credit unions with $20 million or more in assets are less likely than smaller credit unions to charge this fee (Table 4-6). Among charging credit

Figure IOffer ATM or Check Cards by CU Asset Size

100%

99% 100% 100% 100%90%

69%

99%

93%

37%

6%

64%

100%100%100%

71%

99%

98%91%

35%

4%

77%

0%

20%

40%

60%

80%

100%

Overall Lessthan$2M

$2M-$5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B ormore

2008 2006

ATM/Check Card Fees* 2008 2006 % that charge a one-time issuance fee 5% 9% Median one-time issuance fee** $5.00 $5.00 % that charge a replacement-card fee 83% 84% Median replacement-card fee** $5.00 $5.00 % that charge an annual fee 3% 5% Median annual fee** $12 $12 % that charge a per-transaction fee on non-owned ATMs 52% 62% Median per-transaction fee on non-owned ATMs** $1.00 $1.00 % that allow free transactions before assessing fee** 83% 64% Median number of free transactions per month** 4 5 % that charge a per-transaction fee on owned ATMs 8% 7% Median per-transaction fee on owned ATMs** $1.00 $1.00 Median number of free transactions per month** 5 6 *Based on credit unions that offer ATM or check cards. **Based on credit unions that have the particular fee.



unions, the median fee is $12 and ranges from $5 to $36 (Table 4-7).

Credit unions are less likely to charge a per-transaction fee for using non-owned ATMs than they were in the past. Half (52%) of credit unions charge this fee, which is a decrease from 62% in 2006. Credit unions with $50 million or more in assets are more likely to charge this fee (Table 4-8). The median fee charged is $1 but ranges from 40 cents to $50 (Table 4-9).

However, nearly 85% of credit unions allow one or more free transactions before assessing a fee for using non-owned ATMs (Table 4-10). This figure has increased dramatically from 64% in 2006. The median number of free transactions is four and ranges from one to 20 (Table 4-11).

Just 8% of credit unions charge a per-transaction fee for using owned ATMs. This figure is similar to 2006. Credit unions with $500 million or more in assets are less likely to charge this fee (Table 4-12). The median fee charged is $1 and ranges from 50 cents to $10 (Table 4-13). Among credit unions that allow free transactions, the median number of free transactions is five and ranges from three to 10 (Table 4-14).

PIN-Based Check Card Transactions

Debate continues regarding PIN-based versus signature transactions. While both types of transactions can be made at the point of sale, identity theft protection, liability if the card is stolen, and how quickly the money is removed from the consumer’s account differ based on the type of transaction. Additionally, some financial institutions charge transaction fees on PIN-based transactions. Nearly 30% of issuers charge a PIN-based transaction fee, according to Dove Consulting’s 2007 Debit Issuer Study.

About 15% of credit unions report charging a per-transaction fee for PIN-based check card transactions at the point of sale (Table 4-15). This is identical to the 2006 figure. The median fee charged is $1 but ranges from 5 cents to $3 (Table 4-16).

Among credit unions that allow free transactions, the median number of free transactions is five and ranges from two to 10 (Table 4-17). Only 5% of credit unions instituted or increased this fee in the last 12 months, which is comparable to what was found in 2006 (Table 4-18).

Check Card Rewards

Since many consumers are turning to check cards instead of credit cards, financial institutions are offering rewards (miles, merchandise, etc.) for using check cards. Indeed, card companies and industry analysts say rewards programs are building blocks needed to secure customer loyalty, and they predict that more financial institutions will offer rewards in the coming years. Typically points are earned only on signature purchases, although the percentage of issuers offering rewards for both PIN and signature transactions increased from 29% in 2005 to 37% in 2007, according to Dove Consulting. In addition, points are usually not earned for certain transactions such as ATM withdrawals, balance transfers, or payments made to prepaid or reloadable cards.

Check cards that offer rewards are not prevalent among credit unions. Overall, 5% of credit unions offer rewards on their check cards. However, this figure increases with asset size to 10% among credit unions with $100 million to $200 million in assets and reaches 25% among those with $500 million or more in assets (Figure II and Table 4-19). Less than 1% of credit unions offer rewards for a fee.

ATMs

By joining a nationwide surcharge-free network, credit unions can give members access to ATMs that offer surcharge-free withdrawals, which adds convenience and reduces fees. Credit unions pay the network operators a monthly fee to let cardholders use the machines for withdrawals and deposits.

PIN-Based Check Card Fees* 2008 2006 % that charge for PIN-based transactions at the point of sale 14% 14% Median PIN-based per-transaction fee** $1.00 $1.00 Median number of free PIN-based transactions per month** 5 5 % that instituted or increased this fee in last 12 months** 5% 9% *Based on credit unions that offer check cards. **Based on credit unions that have the particular fee.



Many credit unions are participating in these networks. Three-quarters (75%) of credit unions belong to a surcharge-free ATM network, which is identical to what was found in 2006. This figure increases with asset size to over eight in ten among credit unions with assets of $50 million or more (Figure III and Table 4-20).

Similar to 2006, two-thirds (67%) of credit unions own or lease ATMs. This figure also increases with asset size to over nine in ten among credit unions with assets of $50 million or more (Table 4-21). The median number of ATMs owned or leased is three but ranges from one to 272. As expected, this number increases with asset size (Table 4-22).

Also similar to 2006, 85% of credit unions surcharge nonmembers to use their owned/leased ATMs. This figure increases with asset size as well (Table 4-23). The median surcharge is $1.50 and ranges from 25 cents to $4.50 (Table 4-24). The median number of ATMs that surcharge is four but ranges from one to 272 (Table 4-25).

Only 4% of credit unions that do not currently surcharge nonmembers plan to do so in the next 12 months (Table 4-26). This figure is similar to 2006.

Figure IIOffer Rewards on Check Cards by CU Asset Size

5%

0% 0% 1% 1% 2%

10%

15%

25%27%

4%

0%

5%

10%

15%

20%

25%

30%

Overall Lessthan$2M

$2M-$5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B ormore

Note: Limited to credit unions that offer check cards.

Figure IIIBelong to a Surcharge-Free ATM Network by CU Asset Size

75%

33%

64%70%

65%

76%

86%82%

89% 86%84%

0%

20%

40%

60%

80%

100%

Overall Lessthan$2M

$2M-$5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B ormore

Note: Limited to credit unions that offer access to ATMs.



Chapter 5 – Online Banking and Bill Payment

Online Banking

Overall, two-thirds (64%) of credit unions offer online banking (Figure I and Table 5-1). This figure is similar to the 60% reported in the 2006 study. Nearly all credit unions, however, with $50 million or more in assets provide this delivery channel for their members.

Online banking has primarily been and remains a free service credit unions provide. Just 1% of credit unions offering online banking do so for a fee (Table 5-2). Additionally, just 2% charge inactive user fees (Table 5-3). Among this handful of credit unions, the median online banking fee is $3, while the median inactive user fee is $5 per month.

Online Bill Payment

More than two-thirds of online households pay at least one bill online. Research shows that consumers using online bill pay have much deeper relationships with their financial institutions and are less likely to leave than non-bill-pay consumers. It is probably the most important service credit unions can offer if they want to be their members’ primary financial institution.

Seven in ten (71%) credit unions offering online banking also offer online bill payment (Table 5-4). This means that overall 45% of all credit unions offer online bill payment – up from 40% in 2006 and 27% in 2004. Just looking at credit unions with $50 million or more in assets, we find that 90% to 100% offer online bill payment in conjunction with their online banking option.

Because online bill payment is linked with customer loyalty, many financial institutions provide this service free of charge. Just one in five (21%) credit unions charge their members for online bill payment


(Table 5-5). This figure has declined dramatically from a high of about 80% in 2000 and 33% in 2006.

Fees for online bill payment are more likely to be assessed as a monthly charge than as a per-transaction charge. The median monthly fee among credit unions is $5 and ranges from $2 to $10 (Table 5-6). The median per-transaction fee credit unions charge is 43 cents and ranges from six cents to 50 cents (Table 5-7). Both types of fees are similar to the medians reported in the 2006 study.

Beyond user fees, 13% of credit unions offering online bill payment charge users for inactivity. Credit unions with $500 million to $1 billion in assets are most likely to do so (Table 5-8). The median inactive user fee is $5 but is as low as $1 and as high as $10 (Table 5-9).

Two-thirds (65%) of credit unions that provide online banking charge a stop-payment fee (Table 5-10). These fees range from $2.50 to $50 with a median fee of $20 (Table 5-11).

Figure IOffer Online Banking

Don't offer36%

Online banking without bill payment

19%

Online banking and bill payment

45%

Online Bill-Payment Service Structure * 2008 2006 % that charge a fee 21% 33% Median monthly fee** $5.00 $5.00 Median fee per-transaction** $0.43 $0.40 % that charge an inactive user fee 13% n/a Median inactive user fee** $5.00 n/a % that charge a stop-payment fee 65% 65% Median stop-payment fee** $20.00 $20.00 *Based on credit unions that offer online bill payment. **Based on credit unions that have the particular fee.

Chapter 6 – Credit Cards



Credit Card Offerings

Overall, 53% of credit unions across the nation offer credit cards. This figure rises to about 90%, however, among credit unions with $50 million or more in assets (Figure I and Table 6-1). For several years, credit card portfolios have been losing profitability and this trend is expected to continue with the credit crisis and its potential impact on delinquencies and charge-off rates. Despite these woes, the majority (84%) of credit unions offering credit cards own their credit card portfolio (Table 6-2).

Overall, credit unions offer a median of two separate credit card programs. Although the number of programs offered ranges from one to 10, 40% of credit unions offer one credit card program. As expected, the median number of credit card programs offered by credit unions increases with asset size (Table 6-3).

The vast majority (84%) of credit unions offers Classic credit cards, half (52%) offer Platinum cards, while one-third (31%) offer Gold credit cards (Figure II and Table 6-4). The likelihood of a credit union offering Classic cards and Gold cards has declined slightly since 2006. As asset size increases so does the likelihood that a credit union will offer Gold and Platinum credit cards.

Annual Fees

By and large, credit unions do not charge annual fees for their credit cards. Just about 5% of credit unions charge annual fees for each of the three credit card types studied, similar to 2006 findings (Table 6-5).

Annual fees for the three types of credit cards range from $5 to


$99, with medians of about $14 for Classic credit cards, $30 for Gold credit cards, and $23 for Platinum credit cards (Table 6-6). Annual fees for Classic and Platinum credit cards are similar to the ones presented in the 2006 study. Gold credit card annual fees, however, have increased from a median of $20 in 2006.

Late-Payment Fees and Penalties

Late-payment credit card fees are much more prevalent than annual fees. About 95% to 99% of credit unions charge a late-payment fee for the three credit card types (Table 6-7). This is also

Figure IOffer Credit Cards by CU Asset Size

53%

23%

86%

54%

15%

86% 82%87%

90%80%

56%

6%

32%

89%

90%86% 92% 95%87%

68%

2%

41%

0%

20%

40%

60%

80%

100%

Overall Lessthan$2M

$2M-$5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B ormore

2008 2006

Figure IITypes of Credit Cards Offered

95%

50%46%

31%

52%

84%

0%

20%

40%

60%

80%

100%

Classic Platinum Gold

2008 2006Note: Limited to credit unions offering credit cards.



similar to the prevalence in 2006. Most credit unions charge a flat-dollar fee vs. a fee based on the percentage of the payment due.

Among credit unions charging a flat-dollar late-payment fee, fees range from $2 to $40 for Classic, Gold, and Platinum credit cards (Tables 6-8 through 6-10). The median flat-dollar late-payment fee is $20 for each of the three credit

card types. For Gold and Platinum cards, this fee is identical to the one reported in 2006. For Classic cards, however, the median fee in 2006 was slightly lower at $15.

Fees range from 1% to as much as 50% among credit unions assessing a late-payment fee based on a percentage of the payment due (Tables 6-11 through 6-13). The median percentage late-

payment fee is 5% for each of the three cards studied – identical to the median percentage charged in 2006.

Among credit unions charging late-payment fees, the number of days after the due date when the fee is charged ranges from 1 to 40 days with a median of 10 for Classic, Gold, and Platinum credit cards (Tables 6-14 through 6-16).

Beyond late fees, 17% of credit unions will also increase the credit card interest rate as a penalty for late credit card payments (Table 6-17). This is comparable to the 2006 figure. Of credit unions that increase interest rates after late payments, about 50% will do so after two late payments. About 20% will increase the interest rate after one late payment and the same percentage will do so after three late payments (Table 6-18).

Over-Credit-Limit Fees

Over-credit-limit fees are also quite common among credit unions offering credit cards. About 85% of credit unions offering credit cards charge an over-credit-limit fee for Classic, Gold, and Platinum credit cards, similar to the findings in 2006 (Table 6-19). The majority of credit unions will assess the fee as a flat-dollar amount. Over-credit-limit fees range from $1 to $39 for Classic, Gold, and Platinum credit cards. Median fees are $15 for Classic credit cards, and $20 for Gold and Platinum credit cards (Tables 6-20 through 6-22). The median over-credit-limit fee for Gold cards rose from $15 in 2006, while the same fees for Classic and Platinum credit cards remained unchanged (Figure III).

Figure IIIPercent of Credit Unions Charging an Over-Credit-Limit Fee

and Median Fee Charged

85% 88% 88%84%

87% 85%

0%

20%

40%

60%

80%

100%

Classic credit card Gold credit card Platinum credit card2008 2006

$15$15 $20 $20$15 $20

Note: Limited to credit unions offering the specified credit card.

Late-Payment Fees Credit Card Type 2008 2006 Classic % that charge a fee* 95% 94% Median flat-dollar amount** $20 $15 Median % of payment due** 5% 5% Median number of days after due date** 10 10 Gold % that charge a fee* 98% 96% Median flat-dollar amount** $20 $20 Median % of payment due** 5% 5% Median number of days after due date** 10 10 Platinum % that charge a fee* 99% 96% Median flat-dollar amount** $20 $20 Median % of payment due** 5% 5% Median number of days after due date** 10 10 *Based on credit unions that offer the particular credit card. **Based on credit unions that charge a late-payment fee for the particular credit card.



Cash-Advance Fees

About 20% to 25% of credit unions charge cash-advance fees on their Classic, Gold, and Platinum credit cards (Table 6-23). The percentage of credit unions charging this fee for Platinum credit cards has increased from 20% in 2006 to 27% in 2008. The percentage charging for the other two types of cards has remained steady since 2006.

Among those that charge a flat-dollar amount, cash-advance fees for the three types of cards studied range from $1 to $30, with medians of $3 for Classic credit cards and $5 for Gold and Platinum credit cards (Tables 6-24 through 6-26). All such fees have increased since 2006; most notably, fees for Platinum credit cards have doubled.

Fees assessed as a percentage of the cash advance range from 1% to nearly 16%. The median fee for Classic and Gold credit cards is identical to the 2006 fee of 2%. For Platinum credit cards the median cash-advance fee has grown from 2% of the advance in 2006 to 3% in 2008 (Tables 6-27 through 6-29).

Grace Periods

Similar to the figures in 2006, about nine in ten credit unions allow a grace period for repayment of balances on the credit cards they offer (Table 6-30). The median number of days in the grace period for Classic, Gold, and Platinum credit cards is 25 (Tables 6-31 through 6-33). This number ranges from three to 45.

Balance Transfers

Balance transfer promotions are most common among Platinum

Cash-Advance Fees Credit Card Type 2008 2006 Classic % that charge a fee* 23% 20% Median flat-dollar amount** $3.00 $2.50 Median % of cash advance** 2% 2% Gold % that charge a fee* 22% 23% Median flat-dollar amount** $5.00 $3.00 Median % of cash advance** 2% 2% Platinum % that charge a fee* 27% 20% Median flat-dollar amount** $5.00 $2.50 Median % of cash advance** 3% 2% *Based on credit unions that offer the particular credit card. **Based on credit unions that charge a cash-advance fee for the particular credit card.

Figure IVOffer Balance Transfers and Rewards

by Credit Card Type

21%

35%

51%

67%

53%47%

0%

20%

40%

60%

80%

100%

Classic Platinum Gold

Balance transfers Rewards

Note: Limited to credit unions offering the specified credit card.

credit card programs. Two-thirds (67%) of credit unions offering Platinum credit cards offer balance transfer promotions compared to about 50% offering Classic or Gold credit cards (Table 6-34).

About 5% of credit unions that offer balance transfers to any of the three cards studied charge a fee for this service (Table 6-35). Among the small handful that charge, the fee is typically assessed as a percentage of the amount transferred and ranges from 2% to about 16% with a median of 3%.

Rewards

About 20% to 50% of credit unions offering credit cards offer a rewards program. Credit unions are most likely to offer rewards in conjunction with their Platinum credit cards and least likely to do so with their Classic credit cards (Table 6-36). Just 2% or less actually charge a fee for these rewards programs (Table 6-37).

Chapter 8 – Other Fees


Chapter 7 – Lending

First Mortgage Loans

Beyond interest income, lending relationships also generate sizeable fee income through application fees, closing costs, skip-a-payment programs, and commitment fees.

Overall, 45% of credit unions offer first mortgage loans. However, the likelihood of offering first mortgage loans rises dramatically with asset size. While only 4% of credit unions with assets of under $2 million make first mortgage loans available to their members, over 90% of those with assets of $100 million or more do so (Figure I and Table 7-1).

For the past 20 years, the federal Housing Department has tried to reduce mortgage fees through regulations governing the marketing of home loans. Most of these efforts have not been well received. However, some lenders have adopted flat-fee pricing where everyone is charged the same fee, and no-fee mortgage products such as Bank of America’s No Fee Mortgage PLUS. Despite these efforts and changes, closing costs rose 14% from an average of $2,736 in 2007 to $3,118 in 2008, according to Bankrate’s latest study.

Among credit unions, however, closing costs have dropped from a median of $2,000 in 2006 down to $1,200 in 2008. For the purposes of this study, “closing costs” are defined as the total estimated settlement charges on a good-faith estimate, including all origination fees, appraisal fees, processing fees, underwriting fees, and other fees, as well as title charges, government recording and transfer charges, and any other additional


settlement charges. Closing costs tend to rise with asset size with median closing costs running about $1,800 to $2,400 among credit unions with $200 million or more in assets (Table 7-2).

Similar to industry practices, about one in three credit unions (37%) offering first mortgage loans charge members an application fee (Table 7-3). The typical application fee is assessed as a flat-dollar fee. The median first mortgage loan application fee among credit unions stands at $150 – identical to the 2006 figure (Table 7-4). Flat-dollar application fees tend to run somewhat higher among mortgage-offering credit unions

with assets of $100 million or more. Among mortgage lenders, the average first mortgage application fee runs about $250 to $275, according to surveys conducted by HSH associates, a publisher of consumer loan information.

Skip-a-Payment

Skip-a-payment programs have been around for decades and are popular with both credit unions and their members. While overall one-third (33%) of credit unions offer such a program on their member loans, this figure reaches about 45% to 55% among credit unions with $20 million or more in assets (Table 7-5).

$1,200

$800

$450

$1,484

$1,822$2,000

$2,400

$1,500

$1,000$1,000$800

94% 93% 100%91%

61%

38%

22%4%

45%

13%

83%

$0

$500

$1,000

$1,500

$2,000

$2,500

$3,000

Overall < $2M $2M- $5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B+0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Median closing costs % offering 1st mortgages

Figure IOffer 1st Mortgages and Median Closing Costs

by Asset Size

Application Fees for 1st Mortgage Loans* 2008 2006 % that charge an application fee 37% 33% Median flat-dollar application fee** $150 $150 Median % of loan amount charged as application fee** 1% 1% *Based on credit unions that offer 1st mortgage loans. **Based on credit unions that have the particular requirement or fee.

Chapter 7 – Lending


Fees for this service range from $2 to $75 with a median charge of $25 (Table 7-6).

Member Business Loans

While credit union involvement in business services has grown rapidly in recent years, the percentage of credit unions offering business loans, excluding agricultural loans, has remained steady at about 15%, overall. As one would expect, the larger the credit union, the more likely they are to offer business loans. For example, while under 10% of credit unions with $20 million or less in assets offer business loans, over two-thirds (77%) of credit unions with $1 billion or more in assets offer these loans (Table 7-7).

About one-quarter (27%) of credit unions offering business loans charge an application fee (Table 7-8). The majority charge a flat-dollar fee ranging from $15 to $250, with a median of $100 (Table 7-9). Just a handful of credit unions assess the application fee as a percentage of the loan amount. Among those that do, 1% is the median rate used. Among the relatively small group of credit unions that charge fees for business loan applications, 5% will waive the fee if the loan amount exceeds a certain level (Table 7-10).

Commitment fees are common

for larger transactions, and may be charged for simply making the funds available for a one-time drawdown, or for continuing

Member Business Loans* 2008 2006 % that charge an application fee 27% 22% Median flat-dollar application fee** $100 $166 % that waive application fee for large loans 5% 6% % that charge a commitment fee on fixed-term loans 10% 11% Median % of loan amount charged as a commitment fee** 1% 1% % that charge a commitment fee on lines of credit 11% 9% Median % of loan amount charged as a commitment fee** 1% 1% *Based on credit unions that offer member business loans. **Based on credit unions that have the particular requirement or fee.

Commercial Real Estate Loans* 2008 2006 % that charge a commitment fee 23% 18% Median % of loan amount charged as a commitment fee** 1% n/a % that charge a draw inspection fee 17% n/a Median flat-dollar draw inspection fee** $100 n/a % that charge a payoff processing fee 6% n/a Median flat-dollar payoff processing fee** $35 n/a Median % of loan amount charged as payoff processing fee** 0.5% n/a *Based on credit unions that offer commercial real estate loans. **Based on credit unions that have the particular requirement or fee.

availability on a revolving basis. Similar to the 2006 study, about 10% of credit unions offering member business loans and lines of credit charge a commitment fee (Tables 7-11 and 7-13). For fixed-term loans and lines of credits, the median commitment fee is 1% of the loan amount (Tables 7-12 and 7-14).

Commercial Real Estate Loans

Overall, nearly 15% of credit unions offer commercial real estate loans – as was the case in the 2006 study. While 10% or less of credit unions with assets of under $50 million make commercial real estate loans available to their members, over 60% of those with assets of $500 million or more do so (Table 7-15).

Nearly one in four credit unions (23%) that offer commercial real estate loans charge a commitment fee, while just over 15% assess draw inspection fees, and 6% levy a payoff processing fee (Tables 7-16, 7-18, and 7-20).

Commitment fees are most likely to be assessed as a percentage of the loan amount. The median commitment fee among credit unions is 1% with a maximum of 5% (Table 7-17). Draw inspection fees, on the other hand, tend to be flat fees. $100 is the median draw inspection fee but they range from $25 to $500 (Table 7-19). Among the handful charging a payoff processing fee, $35 is the median flat fee, while the median interest rate applied is half a percentage point.




Membership Fees

One-third (35%) of credit unions charge a one-time fee to join the credit union, which is similar to 2006. Smaller credit unions are more likely to charge this fee; at least four in ten credit unions with $2 million to $10 million in assets do so. Conversely, credit unions with $50 million to $500 million are least likely to charge this fee, at roughly 20% (Figure I and Table 8-1).

The median membership fee is $1 but ranges from 25 cents to $50 (Table 8-2). The median fee increases to $5 among credit unions with assets of $50 million or more.

Official Checks

Cashier’s checks, money orders, and single traveler’s checks are fairly common at credit unions. About 40% to 60% offer cashier’s checks, money orders, and/or single traveler’s checks, while one-quarter to one-third offer certified checks, dual signature traveler’s checks, and/or foreign check handling.

Among credit unions offering the services, nearly all (97%) charge a fee for money orders and almost 90% charge a fee for dual signature traveler’s checks. Between 50% and 65% charge a fee for the other official check services studied. Compared with 2006, fewer credit unions currently charge a fee for single traveler’s checks. The percentage of credit unions charging fees for the other services is similar to 2006.

The median per-check and per-$100 fee is $1 to $3 for cashier’s checks, certified checks, money orders, single traveler’s checks, and dual signature traveler’s


checks (Tables 8-3 to 8-7). However, the range of per-check and per-$100 fees is eight cents to $75, although this range differs by service. The median foreign check

handling per-check fee is $10 and ranges from 50 cents to $60, while the median foreign check handling per-$100 fee is $9.41 and ranges from $1 to $15 (Table 8-8).

Figure ICharge One-Time Membership Fee by CU Asset Size

35%

41%

47%45%

32% 31%

22%23%

27%

38%

22%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

Overall Lessthan $2M

$2M- $5M

$5M-$10M

$10M-$20M

$20M-$50M

$50M-$100M

$100M-$200M

$200M-$500M

$500M-$1B

$1B ormore

Official Checks Service 2008 2006 Cashier’s check % that charge a fee* 63% 66% (for members) Median per-check fee** $2.00 $2.00 Median fee per-$100** $1.58 $1.00 Certified check % that charge a fee* 62% 62% Median per-check fee** $3.00 $3.00 Median fee per-$100** *** $2.68 Money order % that charge a fee* 97% 98% Median per money order fee** $1.00 $1.00 Median fee per-$100** $1.00 $1.00 Single traveler’s check % that charge a fee* 64% 71% Median per-check fee** $1.00 $1.00 Median fee per-$100** $1.00 $1.00 Dual signature traveler’s % that charge a fee* 87% n/a check Median per-check fee** $1.50 n/a Median fee per-$100** $1.00 n/a Foreign check handling fee % that charge a fee* 52% n/a Median per-check fee** $10.00 n/a Median fee per-$100** $9.41 n/a *Based on credit unions that offer the particular service. **Based on credit unions that charge a fee for the particular service. ***Insufficient data.



Per-check fees are more common for cashier’s checks, certified checks, money orders, and foreign check handling, while per-$100 fees are more common for single and dual signature traveler’s checks.

Wire Transfers

About seven in ten credit unions offer domestic wire transfers, while half offer foreign wire transfers, and 20% offer wire tracers. Among credit unions offering them, nearly all charge a fee for outgoing domestic and foreign wire transfers and roughly one-third charge a fee for incoming domestic and foreign wire transfers. These figures are similar to 2006. About 15% charge a fee for wire tracers.

Median per-wire fees are $15 for domestic outgoing wire transfers, $10 for domestic and foreign incoming wire transfers, and $31.59 for outgoing foreign wire transfers (Tables 8-9 to 8-12). The range of per-wire fees is 50 cents to $100, although this range differs by type of wire transfer. The median per-wire fee for wire tracers is $20 and ranges from $2 to $60 (Table 8-13).

Nonmember Check Cashing

Not many credit unions provide check cashing to nonmembers. Only about 10% to 15% of credit unions do so. Among credit unions that do cash nonmember checks, about 60% to 75% of credit unions charge a fee for

cashing personal checks, payroll checks, and government checks. Compared with 2006, more credit unions currently charge a fee to nonmembers for cashing payroll checks. The percentage of credit unions charging nonmembers to cash personal checks and government checks is similar to 2006.

The median per-check fee for the three types of nonmember check cashing is $5 and the per-$100 fee is $1 to $2. However, the range of per-check fees is 50 cents to $35, although this range differs by the type of check being cashed. The median per-$100 fee for payroll and government checks ranges from $1 to $5 and the median per-$100 fee for personal checks is $1 to $10 (Tables 8-14 to 8-16). Per-check fees are more common than per-$100 fees for all three types of nonmember check cashing.

ACH Transactions

Almost 40% of credit unions offer ACH origination and about seven in ten offer ACH stop payments. Among those offering these services, about 10% charge a fee for ACH origination and 85% for ACH stop payments. These figures are similar to 2006.

The median per-transaction and per-file fee for ACH origination is $5, while the median per-transaction and per-file fee for ACH stop payments is $20 (Tables 8-17 and 8-18). Per-transaction ACH origination fees range from one cent to $28 and per-file fees range from $5 to $10. Per-transaction ACH stop payment fees range from $2 to $35 and per-file fees range from $4 to $25. Per-transaction fees are more common than per-file fees for both types of ACH transactions.

Wire Transfers Service 2008 2006 Domestic outgoing % that charge a fee* 96% 97% Median per-wire fee** $15.00 $15.00 Domestic incoming % that charge a fee* 37% 36% Median per-wire fee** $10.00 $10.00 Foreign outgoing % that charge a fee* 98% 99% Median per-wire fee** $31.59 $30.00 Foreign incoming % that charge a fee* 37% 35% Median per-wire fee** $10.00 $10.00 Wire tracer % that charge a fee* 17% n/a Median per-wire fee** $20.00 n/a *Based on credit unions that offer the particular service. **Based on credit unions that charge a fee for the particular service.

Nonmember Check Cashing Service 2008 2006 Nonmember check cashing % that charge a fee* 59% 61% Median per-check fee** $5.00 $5.00 Median fee per-$100** $1.27 $1.00 Nonmember payroll check cashing % that charge a fee* 74% 67% Median per-check fee** $5.00 $5.00 Median fee per-$100** $2.00 $1.00 Nonmember govt. check cashing % that charge a fee* 63% 66% Median per-check fee** $5.00 $5.00 Median fee per-$100** $1.00 $1.00 *Based on credit unions that offer the particular service. **Based on credit unions that charge a fee for the particular service.



Non-PC-Based Bill Pay

Very few credit unions – less than 10% – offer non-PC-based bill pay service or non-PC-based bill-pay stop payments. Among those offering them, one-third (37%) charge a fee for non-PC-based bill pay and 70% charge a fee for non-PC-based bill-pay stop payments.

The median per-month fee for non-PC-based bill pay is $3.76 but ranges from $1 to $30, and the median fee per transaction/bill is $1 but ranges from 50 cents to $15 (Table 8-19). The median per-item fee for non-PC-based bill-pay stop payments is $20 but ranges from $3 to $35 (Table 8-20).

Other Services

Half (53%) of credit unions offer account-to-account (A2A) transfers. Only 10% of credit unions offering this service charge a fee for it. The median A2A transfer fee per transaction is $3 and ranges from 50 cents to $28 (Table 8-21).

Almost 45% of credit unions offer gift cards. Nine in ten (93%) of these credit unions charge a fee for the card. The median per-card fee is $3 but ranges from $1 to $29 (Table 8-22).

Three-quarters (74%) of credit unions provide members with the ability to conduct credit union business in the lobby. Only 2% of credit unions charge a fee for lobby transactions, which is similar to 2006. The median per-transaction fee is $2.27 and the median number of free transactions per month is 1.34 (Table 8-23). However, per-transaction fees range from $1 to $10 and the number of free transactions per month ranges from one to five.

ACH Transactions Service 2008 2006 ACH origination % that charge a fee* 11% 8% Median per-transaction fee** $5.00 $5.00 Median fee per file** $5.00 $9.12 ACH stop payment % that charge a fee* 85% 86% Median per-transaction fee** $20.00 $15.00 Median fee per file** $20.00 $15.81 *Based on credit unions that offer the particular service. **Based on credit unions that charge a fee for the particular service.

Non-PC-Based Bill Payment Service 2008 2006 Non-PC-based bill pay % that charge a fee* 37% 34% service Median per-month fee** $3.76 $5.59 Median fee per trans./bill** $1.00 $1.60 Non-PC-based bill pay % that charge a fee* 70% 74% stop-payment fee Median per-item fee** $20.00 $15.00 *Based on credit unions that offer the particular service. **Based on credit unions that charge a fee for the particular service.

Two-thirds (63%) of credit unions offer a microfilm copy of checks. Almost 85% of credit unions charge a fee for this service, which is similar to 2006. The median per-check fee is $2.50 and ranges from 10 cents to $10 (Table 8-24).

Nearly 90% of credit unions offer a hard copy of members’ statements via mail. Similar to 2006, one-third (36%) of credit unions charge a fee for the hard

copy statement. The median per-statement fee is $3 and ranges from 80 cents to $12, while the median per-page fee is $1 and ranges from 20 cents to $15 (Table 8-25). Per-statement fees are more common than per-page fees.

Six in ten (61%) credit unions offer garnishment and levies and nearly 45% charge a fee for this service. The median per-item fee is $25 but ranges from $1 to $175 (Table 8-26).

Other Services Service 2008 2006 Account-to-account (A2A) % that charge a fee* 10% n/a transfers Median per-transaction fee** $3.00 n/a Gift cards % that charge a fee* 93% n/a Median per-card fee** $3.00 n/a Lobby transaction % that charge a fee* 2% 3% Median per-transaction fee** $2.27 $2.00 Median # free trans. per mo.** 1.34 3.00 Microfilm copy of check % that charge a fee* 82% 85% Median per-check fee** $2.50 $2.50 Statement (hard copy via % that charge a fee* 36% 34% mail) Median per-statement fee** $3.00 $3.00 Median fee per page** $1.00 $1.00 Garnishment and levies % that charge a fee* 44% n/a Median per-item fee** $25.00 n/a *Based on credit unions that offer the particular service. **Based on credit unions that charge a fee for the particular service.

Table 1-1Fee Income as a Percentage of Gross Income --Year-End 2007

8,268 12.0% 6% 9% 4% 6%1,373 4.1% 22% 23% 9% 11%1,101 7.8% 9% 19% 8% 10%1,191 9.8% 4% 11% 3% 8%1,196 11.6% 2% 5% 3% 5%1,386 12.9% 1% 3% 1% 4%

769 14.2% 0% 1% 1% 2%520 15.0% 0% 1% 0% 3%423 14.4% 0% 1% 0% 2%309 10.4% 0% 1% 1% 0%

OverallLess than $2M$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M or more

Byassetsize

N Average0%, no fee

income .01%-.49% .5%-.99% 1%-1.99%

Source: CUNA's Operating Ratios and Spreads, Year-End 2007.

(Continued)

Table 1-1Fee Income as a Percentage of Gross Income --Year-End 2007

(Continued)

8,268 12.0% 13% 21% 18% 23%1,373 4.1% 15% 11% 3% 6%1,101 7.8% 15% 16% 8% 14%1,191 9.8% 15% 22% 16% 20%1,196 11.6% 15% 24% 21% 25%1,386 12.9% 12% 27% 23% 30%

769 14.2% 10% 24% 26% 36%520 15.0% 6% 20% 27% 43%423 14.4% 8% 21% 29% 39%309 10.4% 12% 29% 34% 22%

OverallLess than $2M$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M or more

Byassetsize

N Average 2%-4.99% 5%-9.99% 10%-14.99% 15% or more

Source: CUNA's Operating Ratios and Spreads, Year-End 2007.

Results Tables: Chapter 1 - Fee Income

Page T-1 Credit Union Fees Survey

Table 1-2Estimated Percentage of 2008 Fee Income From Various Sources

1,000 43.1% 11.2% 10.6% 6.1% 4.5% 2.7%28 10.7% 25.2% .0% 1.1% 3.5% 9.9%81 34.9% 24.3% 5.8% 4.1% 3.5% 4.7%

119 43.9% 10.5% 7.0% 6.7% 3.1% 2.8%122 47.9% 6.8% 15.2% 9.1% 4.7% 1.4%158 50.6% 7.0% 13.4% 6.8% 5.2% 1.3%157 53.5% 6.0% 13.1% 6.0% 4.9% .6%129 48.9% 5.1% 14.5% 6.9% 4.8% 1.5%107 52.2% 6.5% 15.0% 7.0% 5.5% .4%

53 48.5% 7.0% 11.9% 8.1% 7.7% .2%46 50.8% 5.3% 15.8% 4.7% 7.6% 1.3%

OverallLess than $2M$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

By assetsize

NNSF/

overdraftsOtherloans

ATM/debitcards Checking

Creditcards Memberships

(Continued)

Table 1-2Estimated Percentage of 2007 Fee Income From Various Sources

(Continued)

1,000 2.7% 2.7% .8% .2% 15.2%28 3.6% 5.9% 1.6% .0% 38.5%81 1.0% 5.6% .3% .0% 15.7%

119 .9% 3.8% 1.3% .0% 19.9%122 2.4% 2.2% .6% .1% 9.7%158 2.4% 1.1% .6% .5% 11.0%157 3.9% 1.2% 1.1% .8% 9.0%129 4.1% .9% .5% .2% 12.5%107 4.6% 1.4% .5% .2% 6.8%53 5.6% 1.7% .4% .2% 8.7%46 3.5% 1.5% .3% .3% 8.9%


By assetsize

NFirst

mortgage loans SavingsSecond

mortgage loansPC-based

remote access Other

Results Tables: Chapter 1 - Fee Income


Table 2-1Offer Checking Accounts

1,346 74% 26%54 13% 87%

133 49% 51%178 74% 26%165 93% 7%208 96% 4%208 100% 0%161 99% 1%130 100% 0%

56 100% 0%53 100% 0%79 75% 25%

164 67% 33%299 77% 23%136 79% 21%191 73% 27%102 60% 40%140 72% 28%

85 80% 20%150 85% 15%


By asset size

New EnglandMiddle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralWest South CentralMountainPacific

By region*

N Yes No

*New England: NH,VT, ME, MA, RI, CT; Middle Atlantic: NY, NJ, PA; East North Central: OH, IN, IL, MI, WI;West North Central: MN, IA, MO, ND, SD, NE, KS; South Atlantic: DE, MD, DC, VA, WV, NC, SC, GA, FL;East South Central: KY, TN, AL, MS; West South Central: AR, LA, OK, TX;Mountain: MT, ID, WY, CO, NM, AZ, UT, NV; Pacific: WA, OR, CA, AK, HI.

Results Tables: Chapter 2 - Checking


Table 2-2Offer Free Checking

1,145 80% 7% 13%6 83% 0% 17%

63 75% 3% 22%129 72% 3% 25%153 76% 7% 18%194 83% 8% 9%204 84% 7% 8%158 82% 11% 6%129 88% 10% 2%

56 84% 13% 4%53 85% 8% 8%67 77% 9% 14%

131 92% 3% 5%259 80% 6% 14%122 83% 4% 14%162 88% 5% 7%

75 74% 6% 19%116 62% 12% 26%

75 75% 16% 9%138 78% 8% 14%


By asset size


By region

N Yes

Yes, with use ofother services or

clubmemberships No



Table 2-3Number of Separate Checking Account Programs Offered

1,031 1.0 16.0 53% 17% 10% 8% 12%4 1.0 1.0 100% 0% 0% 0% 0%

44 1.0 5.0 80% 16% 0% 0% 5%102 1.0 4.0 80% 14% 4% 2% 0%124 1.0 6.0 73% 15% 8% 3% 2%175 1.0 7.0 58% 20% 8% 10% 5%197 2.0 10.0 40% 23% 16% 7% 14%151 3.0 10.0 25% 16% 19% 13% 26%127 4.0 11.0 11% 13% 16% 24% 36%

56 4.0 16.0 14% 11% 13% 20% 43%51 4.0 11.0 8% 16% 20% 16% 41%61 1.0 9.0 58% 15% 10% 8% 9%

114 1.0 11.0 73% 12% 5% 6% 4%232 1.0 10.0 57% 17% 8% 8% 11%115 1.5 8.0 50% 19% 15% 7% 9%140 1.0 11.0 53% 13% 11% 9% 13%

65 1.0 16.0 56% 14% 10% 9% 11%107 2.0 12.0 43% 21% 13% 4% 19%

72 2.0 8.0 34% 27% 9% 16% 15%125 2.0 10.0 42% 14% 12% 14% 18%


Byassetsize


Byregion

N Median Maximum 1 2 3 4 5 or more

Note: Limited to credit unions that offer at least one checking account program.



Table 2-4Checking Programs Offered

1,148 68% 59% 43% 28%6 100% 0% 33% 0%

63 60% 38% 25% 3%130 66% 40% 30% 9%152 63% 49% 36% 17%195 67% 60% 44% 27%205 65% 73% 48% 42%158 76% 78% 58% 51%130 78% 88% 68% 64%

56 73% 93% 64% 48%53 74% 94% 75% 51%69 80% 39% 41% 24%

129 67% 46% 43% 21%260 69% 53% 46% 26%121 71% 67% 52% 28%164 63% 59% 39% 30%

75 70% 63% 36% 28%116 57% 73% 36% 31%

76 69% 65% 51% 32%138 70% 72% 45% 35%


By assetsize


By region

N

Offernoninterest-

bearingchecking

Offer interest-bearing

checking

Offerbusinesschecking

Offer moneymarket



Table 2-5Free Checking Programs Offered

789 50% 757 31% 550 34% 397 10%6 67% 0 0% 2 100% 0 0%

38 53% 24 42% 16 63% 2 50%86 42% 52 27% 39 36% 12 17%95 57% 74 30% 54 37% 26 4%

130 51% 117 36% 85 41% 53 9%133 52% 150 35% 98 34% 86 16%120 51% 123 27% 91 18% 81 9%101 42% 115 23% 89 21% 83 4%

41 39% 52 27% 36 19% 27 15%39 59% 50 22% 40 20% 27 19%55 68% 33 36% 34 39% 22 11%86 73% 69 60% 59 59% 36 15%

182 53% 159 33% 139 35% 87 12%90 53% 85 27% 67 36% 40 6%

103 56% 109 43% 68 42% 59 13%52 35% 52 23% 30 18% 26 12%70 19% 88 9% 43 5% 47 4%53 41% 54 30% 42 38% 27 14%98 37% 108 21% 68 17% 53 9%


By assetsize


By region

N

Offer freenoninterest-

bearingchecking N

Offer freeinterest-bearing

checking N

Offer freebusinesschecking N

Offer freemoneymarket

Note: Limited to credit unions that provide the specified checking account.

Table 2-6Noninterest-Bearing Checking: Require Minimum Balance to Open Account

731 34% 66%6 0% 100%

38 34% 66%81 40% 60%94 33% 67%

118 35% 65%120 29% 71%100 31% 69%

97 42% 58%40 43% 58%37 32% 68%52 13% 87%83 19% 81%

164 24% 76%84 32% 68%99 33% 67%48 52% 48%65 72% 28%46 38% 62%90 46% 54%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer noninterest-bearing checking accounts.



Table 2-7Noninterest-Bearing Checking: Minimum Balance Required to Open Account

244 $50 $500 7% 41% 1% 26% 0% 23% 2%11 $50 $200 0% 36% 0% 18% 0% 36% 9%31 $50 $100 6% 32% 3% 26% 0% 32% 0%30 $25 $200 0% 53% 0% 23% 0% 20% 3%39 $50 $300 8% 38% 0% 28% 0% 23% 3%34 $50 $100 12% 32% 0% 29% 0% 26% 0%31 $45 $100 13% 35% 0% 29% 0% 23% 0%40 $38 $500 10% 40% 0% 35% 3% 10% 3%17 $25 $100 12% 59% 0% 24% 0% 6% 0%11 $25 $100 27% 55% 0% 0% 0% 18% 0%

7 $25 $50 0% 80% 0% 20% 0% 0% 0%14 $25 $100 8% 51% 8% 16% 0% 16% 0%42 $42 $300 13% 36% 0% 25% 0% 22% 3%25 $50 $100 5% 33% 0% 32% 0% 29% 0%31 $50 $100 4% 34% 0% 31% 0% 30% 0%24 $50 $100 10% 37% 0% 28% 0% 25% 0%46 $25 $200 6% 48% 0% 23% 2% 17% 3%15 $50 $100 8% 35% 0% 17% 0% 41% 0%40 $50 $500 5% 40% 0% 31% 0% 18% 6%

Overall$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

Byassetsize


Byregion

N Median MaximumLess than

$25 $25$26 - $49 $50

$51 - $99 $100

$200 ormore

Note: Limited to credit unions that offer noninterest-bearing checking accounts and require a minimum balance to open the account.

Table 2-8Noninterest-Bearing Checking: Charge Monthly Maintenance Fee

756 7% 83% 10%6 17% 67% 17%

37 11% 81% 8%84 11% 75% 14%93 4% 86% 10%

127 6% 83% 10%121 7% 87% 7%112 6% 88% 5%

98 4% 82% 14%41 10% 76% 15%37 3% 97% 0%53 6% 87% 7%83 1% 93% 5%

172 10% 77% 13%85 6% 91% 4%98 8% 88% 4%52 3% 80% 17%66 14% 74% 11%51 11% 79% 10%96 5% 74% 20%


By asset size


By region

N Yes No

Only ifbelow

minimumbalance




Table 2-9Noninterest-Bearing Checking: Minimum Balance Required to Avoid Monthly Maintenance Fee

62 $300 $3,000 61% 26% 14%3 $100 $100 100% 0% 0%

11 $500 $2,500 45% 36% 18%9 $200 $1,000 78% 11% 11%

11 $300 $500 82% 18% 0%8 $450 $1,000 50% 25% 25%5 $610 $1,000 20% 40% 40%

11 $455 $1,000 45% 45% 9%4 $923 $3,000 0% 50% 50%3 $295 $500 74% 26% 0%3 $1,686 $2,500 0% 0% 100%

17 $222 $1,000 83% 14% 4%3 $240 $500 63% 37% 0%3 $139 $300 100% 0% 0%7 $444 $1,000 51% 25% 24%7 $300 $750 61% 28% 11%3 $239 $300 100% 0% 0%

16 $500 $3,000 30% 52% 18%

Overall$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B

By assetsize


By region


$500 $500More than

$500

Note: Limited to credit unions that offer noninterest-bearing checking accounts and require a minimum balance to avoid amaintenance fee.



Table 2-10Noninterest-Bearing Checking: Monthly Maintenance Fee

112 $5.00 $100.00 44% 28% 13% 8% 7%1 ** ** 100% 0% 0% 0% 0%7 $4.00 $6.00 57% 29% 14% 0% 0%

19 $5.00 $100.00 42% 32% 5% 5% 16%12 $4.00 $7.50 67% 8% 25% 0% 0%19 $5.00 $35.00 32% 32% 11% 16% 11%15 $5.00 $50.00 33% 33% 20% 7% 7%12 $5.00 $50.00 33% 42% 0% 8% 17%17 $5.00 $10.00 35% 29% 18% 18% 0%

9 $5.35 $10.00 22% 33% 33% 11% 0%1 ** ** 0% 100% 0% 0% 0%7 $3.00 $10.00 71% 0% 19% 10% 0%5 $4.79 $100.00 42% 30% 0% 0% 28%

29 $4.74 $50.00 49% 35% 4% 2% 9%6 $3.18 $5.00 64% 36% 0% 0% 0%9 $4.56 $10.00 46% 23% 16% 15% 0%

10 $5.84 $25.00 26% 20% 47% 0% 7%15 $5.00 $50.00 43% 26% 14% 12% 5%

7 $6.67 $35.00 22% 17% 15% 30% 15%24 $5.00 $25.00 35% 33% 16% 9% 6%


Byassetsize


Byregion


$5 $5$5.01 -$9.99 $10

More than$10

Note: Limited to credit unions that offer noninterest-bearing checking accounts and charge a monthly maintenance fee.

**Insufficient data.



Table 2-11Noninterest-Bearing Checking: Charge a Per-Check Fee

for Checks Written Above a Certain Number

750 1% 99%6 0% 100%

37 0% 100%83 4% 96%95 0% 100%

127 0% 100%124 2% 98%110 3% 97%

93 2% 98%39 5% 95%36 3% 97%52 1% 99%81 2% 98%

173 1% 99%85 5% 95%

101 0% 100%50 1% 99%67 0% 100%48 0% 100%93 1% 99%


By asset size


By region

N Yes No




Table 2-12Noninterest-Bearing Checking: Charge a Dormant Account Fee

756 34% 66%6 17% 83%

37 27% 73%84 30% 70%95 33% 67%

126 27% 73%126 39% 61%111 45% 55%

97 47% 53%40 40% 60%34 38% 62%53 23% 77%82 33% 67%

174 33% 67%87 28% 72%97 34% 66%50 53% 47%68 27% 73%53 39% 61%92 38% 62%


By asset size


By region

N Yes No




Table 2-13Noninterest-Bearing Checking: Dormant Account Fees

265 $5 $50 9% 13% 12% 52% 14%1 ** ** 0% 0% 0% 100% 0%

10 $5 $10 10% 20% 10% 40% 20%25 $5 $10 12% 20% 4% 48% 16%29 $5 $6 14% 3% 28% 52% 3%33 $5 $20 6% 15% 9% 58% 12%48 $5 $50 8% 17% 13% 40% 23%49 $5 $10 4% 16% 12% 57% 10%43 $5 $25 9% 7% 5% 58% 21%14 $5 $15 14% 7% 14% 43% 21%13 $5 $10 8% 15% 15% 54% 8%14 $5 $5 0% 16% 4% 80% 0%29 $5 $10 6% 12% 10% 50% 22%59 $5 $10 11% 19% 18% 51% 2%25 $5 $15 14% 13% 14% 43% 16%35 $5 $50 10% 10% 2% 50% 27%25 $5 $20 7% 8% 3% 61% 22%20 $5 $15 0% 12% 26% 45% 17%24 $5 $10 14% 16% 17% 50% 3%34 $5 $10 11% 7% 13% 51% 18%


Byassetsize


Byregion


$2 $2$2.01 -$4.99 $5

More than$5

Note: Limited to credit unions that offer noninterest-bearing checking accounts and charge dormant account fees.


Table 2-14Noninterest-Bearing Checking: Offer Rewards

753 5% 0% 95%6 0% 0% 100%

35 0% 0% 100%82 4% 0% 96%93 1% 0% 99%

127 3% 0% 97%124 4% 1% 95%112 8% 0% 92%

98 12% 2% 86%40 18% 0% 83%36 17% 3% 81%53 0% 0% 100%81 4% 1% 96%

173 3% 0% 97%84 4% 0% 96%

100 5% 0% 95%49 4% 1% 94%68 9% 2% 90%52 8% 0% 92%93 9% 0% 91%


Byassetsize


Byregion

NYes, no

feeYes, with

a fee No




Table 2-15Interest-Bearing Checking: Require Minimum Balance to Open Account

706 50% 50%24 46% 54%49 57% 43%66 53% 47%

112 49% 51%140 49% 51%110 45% 55%107 56% 44%

50 44% 56%48 48% 52%31 45% 55%68 26% 74%

142 44% 56%78 58% 42%

103 41% 59%47 57% 43%83 77% 23%52 40% 60%

102 58% 42%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer interest-bearing checking accounts.

Table 2-16Interest-Bearing Checking: Minimum Balance Required to Open Account

361 $50 $10,000 13% 26% 1% 14% 0% 16% 30%12 $25 $1,500 17% 58% 0% 0% 0% 0% 25%29 $75 $2,000 17% 21% 0% 10% 3% 24% 24%37 $50 $2,000 14% 32% 0% 16% 0% 14% 24%54 $100 $10,000 13% 19% 4% 9% 0% 17% 39%70 $50 $5,000 11% 24% 0% 20% 0% 13% 31%51 $100 $10,000 8% 22% 0% 16% 0% 18% 37%61 $89 $10,000 8% 20% 0% 21% 0% 25% 26%23 $25 $5,000 13% 48% 0% 13% 0% 13% 13%24 $25 $10,000 29% 29% 0% 4% 0% 8% 29%15 $42 $10,000 9% 39% 0% 11% 0% 5% 35%22 $31 $10,000 20% 31% 0% 14% 0% 0% 34%66 $50 $10,000 18% 21% 2% 13% 0% 9% 37%44 $100 $5,000 7% 20% 0% 15% 0% 16% 42%41 $100 $10,000 5% 24% 0% 15% 0% 28% 28%25 $71 $5,000 19% 25% 0% 6% 0% 17% 33%66 $41 $2,500 10% 40% 0% 14% 2% 17% 17%23 $100 $5,000 20% 14% 0% 4% 0% 18% 44%59 $50 $10,000 13% 22% 3% 20% 0% 24% 17%


Byassetsize


Byregion


$25 $25$26 -$49 $50

$51 -$99 $100

$200 ormore

Note: Limited to credit unions that offer interest-bearing checking accounts and require a minimum balance to open the account.



Table 2-17Interest-Bearing Checking: Charge Monthly Maintenance Fee

728 7% 56% 37%24 4% 63% 33%50 8% 60% 32%72 7% 63% 31%

114 7% 57% 36%142 4% 63% 33%115 9% 49% 43%111 8% 48% 44%

52 8% 48% 44%48 2% 40% 58%31 0% 59% 41%68 5% 76% 19%

151 6% 64% 30%82 6% 53% 41%

105 1% 67% 32%52 7% 61% 32%81 17% 36% 48%53 15% 44% 41%

105 4% 44% 52%


By asset size


By region

N Yes No

Only ifbelow

minimumbalance




Table 2-18Interest-Bearing Checking: Minimum Balance Required to Avoid Monthly Maintenance Fee

266 $500 $25,000 38% 24% 39%8 $300 $1,500 63% 13% 25%

15 $300 $2,500 53% 7% 40%22 $300 $1,500 64% 14% 23%37 $500 $2,500 46% 35% 19%43 $500 $5,000 42% 28% 30%46 $500 $25,000 24% 30% 46%45 $1,000 $10,000 18% 20% 62%23 $1,000 $10,000 4% 13% 83%27 $823 $20,000 7% 33% 59%11 $500 $2,500 31% 49% 20%15 $1,000 $10,000 29% 10% 61%47 $500 $25,000 32% 23% 45%32 $380 $20,000 55% 16% 29%34 $489 $10,000 48% 16% 35%15 $470 $2,500 48% 20% 31%35 $500 $5,000 37% 31% 31%19 $1,000 $5,000 16% 15% 68%58 $500 $10,000 30% 32% 38%


By asset size


By region


$500 $500More than

$500

Note: Limited to credit unions that offer interest-bearing checking accounts and require a minimum balance to avoid a maintenance fee.

Table 2-19Interest-Bearing Checking: Monthly Maintenance Fee

310 $5.00 $50.00 27% 32% 26% 13% 2%9 $3.00 $10.00 56% 11% 11% 22% 0%

18 $5.00 $10.00 22% 50% 17% 11% 0%24 $5.00 $25.00 46% 33% 13% 4% 4%44 $5.00 $25.00 32% 32% 23% 11% 2%49 $5.00 $10.00 29% 37% 24% 10% 0%57 $5.00 $50.00 26% 32% 23% 14% 5%56 $6.00 $10.00 13% 27% 46% 14% 0%25 $7.80 $20.00 8% 24% 32% 28% 8%28 $6.92 $12.00 7% 29% 46% 14% 4%11 $3.00 $10.00 71% 19% 5% 5% 0%19 $5.00 $10.00 40% 30% 12% 18% 0%59 $5.00 $50.00 29% 30% 27% 13% 1%36 $5.00 $25.00 36% 27% 12% 16% 9%34 $5.00 $25.00 29% 32% 23% 14% 2%18 $5.00 $50.00 32% 32% 29% 4% 4%45 $5.00 $10.00 15% 42% 31% 11% 0%29 $5.88 $12.00 24% 24% 34% 16% 2%59 $5.00 $12.00 16% 35% 34% 13% 2%


Byassetsize


Byregion


$5 $5$5.01 -$9.99 $10

More than$10

Note: Limited to credit unions that offer interest-bearing checking accounts and charge a monthly maintenance fee.



Table 2-20Interest-Bearing Checking: Charge a Per-Check Fee

for Checks Written Above a Certain Number

718 2% 98%24 4% 96%50 0% 100%69 3% 97%

113 1% 99%140 2% 98%114 3% 97%112 4% 96%

49 2% 98%47 2% 98%32 0% 100%66 0% 100%

148 3% 97%81 5% 95%

103 1% 99%51 3% 97%81 2% 98%53 4% 96%

103 1% 99%


By asset size


By region

N Yes No




Table 2-21Interest-Bearing Checking: Charge a Dormant Account Fee

719 35% 65%24 38% 63%50 28% 72%71 31% 69%

110 25% 75%141 35% 65%115 46% 54%111 46% 54%

50 44% 56%47 36% 64%32 32% 68%67 22% 78%

150 35% 65%81 21% 79%

102 41% 59%49 46% 54%81 29% 71%54 53% 47%

103 40% 60%


By asset size


By region

N Yes No


Table 2-22Interest-Bearing Checking: Dormant Account Fees

244 $5 $200 10% 14% 11% 52% 12%8 $5 $35 13% 0% 25% 38% 25%

14 $5 $10 7% 7% 0% 79% 7%20 $4 $25 15% 15% 25% 35% 10%25 $5 $10 8% 28% 12% 48% 4%44 $5 $50 11% 16% 9% 55% 9%52 $5 $200 4% 13% 8% 60% 15%45 $5 $25 16% 7% 7% 51% 20%20 $5 $15 15% 10% 10% 50% 15%16 $5 $10 6% 13% 13% 56% 13%10 $5 $5 19% 8% 6% 67% 0%17 $5 $35 20% 10% 5% 50% 15%46 $5 $30 12% 17% 14% 49% 8%18 $4 $200 8% 21% 21% 34% 16%41 $5 $50 10% 11% 2% 57% 20%23 $5 $10 6% 7% 6% 59% 22%23 $5 $15 4% 6% 22% 61% 7%27 $5 $35 11% 22% 6% 49% 12%39 $5 $10 10% 14% 18% 49% 7%


By assetsize


By region


$2 $2$2.01 -$4.99 $5

More than$5

Note: Limited to credit unions that offer interest-bearing checking accounts and charge dormant account fees.



Table 2-23Interest-Bearing Checking: Offer Rewards

715 17% 1% 82%22 9% 0% 91%49 10% 0% 90%67 4% 0% 96%

112 10% 0% 90%140 19% 1% 79%115 26% 3% 71%113 33% 2% 65%

50 30% 2% 68%47 28% 0% 72%32 10% 0% 90%67 7% 0% 93%

150 16% 1% 83%79 10% 0% 90%

104 19% 1% 80%50 16% 1% 83%79 16% 3% 81%52 27% 1% 72%

102 26% 0% 74%


By asset size


By region

NYes, no

feeYes, with

a fee No




Table 2-24Money Market Checking: Require Minimum Balance to Open Account

380 84% 16%2 50% 50%

11 82% 18%26 96% 4%53 85% 15%82 76% 24%73 82% 18%80 93% 8%27 78% 22%26 73% 27%21 76% 24%36 75% 25%81 80% 20%37 90% 10%58 79% 21%25 84% 16%43 96% 4%27 83% 17%52 91% 9%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer money market checking accounts.

Table 2-25Money Market Checking: Minimum Balance Required to Open Account

309 $2,500 $10,000 14% 19% 3% 12% 41% 11%1 ** ** 0% 0% 0% 0% 100% 0%9 $2,500 $10,000 11% 11% 0% 0% 44% 33%

24 $2,000 $10,000 8% 13% 13% 29% 33% 4%43 $2,500 $5,000 9% 23% 2% 9% 42% 14%63 $2,404 $10,000 19% 17% 2% 11% 41% 10%61 $2,500 $10,000 20% 18% 2% 5% 49% 7%69 $2,000 $10,000 14% 22% 3% 13% 33% 14%20 $2,000 $10,000 20% 20% 5% 15% 35% 5%19 $2,500 $5,000 5% 21% 0% 16% 53% 5%16 $2,205 $4,000 41% 5% 0% 5% 43% 6%28 $2,500 $10,000 16% 12% 0% 19% 35% 19%63 $2,349 $10,000 9% 27% 0% 14% 36% 15%30 $2,500 $10,000 5% 22% 9% 7% 43% 14%46 $2,330 $10,000 14% 21% 4% 11% 45% 5%20 $1,813 $5,000 21% 17% 13% 4% 40% 4%41 $2,000 $7,500 9% 17% 2% 30% 39% 4%20 $2,500 $10,000 8% 24% 0% 0% 48% 20%45 $2,500 $10,000 21% 12% 5% 8% 43% 10%


By assetsize


By region


$1,000 $1,000 $1,500 $2,000 $2,500More than

$2,500

Note: Limited to credit unions that offer money market checking accounts and require a minimum balance to open the account.




Table 2-26Money Market Checking: Charge Monthly Maintenance Fee

386 0% 59% 41%2 0% 50% 50%

11 0% 64% 36%26 0% 69% 31%53 0% 57% 43%83 0% 57% 43%76 1% 61% 38%82 1% 55% 44%27 0% 59% 41%26 0% 62% 38%21 0% 67% 33%36 0% 73% 27%85 2% 65% 33%38 0% 53% 47%58 0% 51% 49%26 0% 67% 33%44 0% 53% 47%27 0% 48% 52%51 0% 58% 42%


By asset size


By region

N Yes No

Only ifbelow

minimumbalance




Table 2-27Money Market Checking: Minimum Balance Required to Avoid Monthly Maintenance Fee

140 $2,500 $25,000 8% 20% 11% 48% 13%1 ** ** 0% 0% 0% 100% 0%3 $2,500 $10,000 0% 0% 0% 67% 33%8 $2,250 $2,500 13% 0% 38% 50% 0%

20 $2,500 $10,000 5% 30% 5% 45% 15%31 $2,500 $25,000 6% 26% 6% 55% 6%23 $2,500 $25,000 9% 13% 13% 57% 9%34 $2,500 $25,000 3% 24% 12% 35% 26%11 $2,500 $20,000 27% 9% 0% 45% 18%

9 $1,848 $2,500 11% 33% 22% 33% 0%4 $2,500 $2,500 0% 15% 0% 85% 0%

11 $2,500 $25,000 15% 7% 0% 44% 35%27 $2,337 $10,000 4% 36% 10% 41% 10%16 $2,500 $25,000 0% 12% 23% 47% 18%23 $2,500 $10,000 10% 27% 7% 50% 6%

8 $2,500 $5,000 0% 12% 11% 66% 12%19 $2,500 $5,000 0% 18% 22% 56% 5%10 $2,500 $25,000 0% 30% 0% 54% 16%22 $2,500 $20,000 27% 7% 11% 33% 22%


Byassetsize


Byregion

N Median Maximum

Lessthan

$1,000 $1,000$1,001 -$2,499 $2,500

More than$2,500

Note: Limited to credit unions that offer money market checking accounts and require a minimum balance to avoid a maintenance fee.


Table 2-28Money Market Checking: Monthly Maintenance Fee

137 $10.00 $25.00 6% 28% 11% 35% 20%1 ** ** 0% 0% 0% 0% 100%3 $10.00 $10.00 0% 0% 33% 67% 0%6 $12.50 $25.00 17% 0% 17% 17% 50%

17 $10.00 $25.00 0% 47% 0% 35% 18%29 $8.38 $15.00 7% 34% 10% 41% 7%27 $9.77 $25.00 7% 26% 15% 22% 30%34 $9.50 $25.00 6% 29% 15% 32% 18%11 $10.00 $20.00 9% 9% 9% 64% 9%9 $10.00 $15.00 11% 11% 11% 44% 22%5 $13.94 $25.00 0% 40% 0% 0% 60%9 $10.00 $20.00 0% 21% 9% 58% 12%

30 $6.69 $25.00 3% 39% 18% 30% 11%15 $14.33 $25.00 0% 20% 5% 24% 50%20 $9.45 $25.00 13% 33% 4% 33% 17%8 $10.00 $25.00 0% 23% 0% 56% 22%

20 $10.00 $15.00 8% 23% 8% 57% 4%8 $9.57 $18.00 0% 27% 19% 46% 9%

22 $9.10 $20.00 15% 19% 19% 26% 22%


Byassetsize


Byregion

N Median MaximumLess

than $5 $5$5.01 - $9.99 $10

More than$10

Note: Limited to credit unions that offer money market checking accounts and charge a monthly maintenance fee.




Table 2-29Money Market Checking: Charge a Per-Check Fee for Checks Written Above a Certain Number

382 25% 75% 90 3.00 30.00 85 $10 $302 0% 100% 0 ** ** 0 ** **

11 27% 73% 3 5.00 6.00 3 $5 $522 27% 73% 5 3.00 3.00 6 $25 $2553 30% 70% 14 3.00 6.00 12 $7 $2784 20% 80% 16 3.00 7.00 15 $6 $2576 26% 74% 20 3.00 6.00 18 $14 $2981 25% 75% 20 3.00 30.00 19 $9 $2527 22% 78% 5 3.00 6.00 5 $10 $3026 27% 73% 7 3.00 10.00 7 $10 $1521 31% 69% 7 3.00 3.00 7 $20 $2536 30% 70% 11 3.00 6.00 10 $11 $2983 22% 78% 19 3.00 30.00 20 $5 $3038 28% 72% 7 3.00 6.00 7 $17 $2558 23% 77% 11 3.00 6.00 10 $10 $2725 28% 72% 6 3.00 6.00 6 $8 $1043 34% 66% 13 3.00 6.00 10 $9 $2527 26% 74% 7 3.00 6.00 6 $10 $2551 17% 83% 9 3.27 10.00 9 $6 $26


Byassetsize


Byregion

N Yes No N Median Maximum

Number of free checksallowed

N Median MaximumPer-check fee



Table 2-30Money Market Checking: Charge a Dormant Account Fee

381 35% 65%2 0% 100%

11 36% 64%25 28% 72%52 25% 75%82 38% 62%75 43% 57%81 43% 57%27 41% 59%26 27% 73%21 20% 80%35 51% 49%84 31% 69%39 26% 74%56 39% 61%23 54% 46%44 30% 70%27 51% 49%52 26% 74%


By asset size


By region

N Yes No




Table 2-31Money Market Checking: Dormant Account Fees

132 $5 $200 14% 12% 14% 44% 16%4 $5 $20 25% 0% 0% 50% 25%6 $3 $25 33% 0% 33% 0% 33%

13 $5 $15 8% 15% 23% 46% 8%29 $5 $50 14% 17% 17% 41% 10%31 $5 $200 6% 19% 10% 48% 16%33 $5 $25 15% 3% 6% 55% 21%

9 $5 $10 22% 11% 0% 56% 11%7 $3 $5 14% 29% 29% 29% 0%5 $4 $5 0% 39% 0% 61% 0%

16 $5 $50 0% 6% 22% 44% 28%27 $5 $35 17% 10% 22% 45% 6%12 $5 $200 8% 21% 14% 28% 29%20 $5 $25 30% 14% 0% 30% 26%12 $4 $5 13% 23% 13% 51% 0%13 $5 $15 0% 13% 16% 55% 16%13 $5 $25 18% 0% 12% 58% 12%14 $5 $10 19% 7% 19% 43% 12%

Overall$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

Byassetsize


Byregion


$2 $2$2.01 - $4.99 $5

More than$5

Note: Limited to credit unions that offer money market checking accounts and charge dormant account fees.

Table 2-32Money Market Checking: Offer Rewards

376 18% 0% 82%2 0% 0% 100%

11 0% 0% 100%23 9% 0% 91%53 15% 0% 85%77 18% 0% 82%75 20% 1% 79%82 26% 0% 74%27 30% 0% 70%26 23% 0% 77%21 4% 0% 96%36 13% 0% 87%84 14% 0% 86%37 13% 0% 87%57 16% 0% 84%24 40% 0% 60%42 28% 2% 69%25 28% 0% 72%50 18% 0% 82%


By asset size


By region

NYes, no

feeYes, with

a fee No




Table 2-33Business Checking: Require Minimum Balance to Open Account

491 37% 63%2 0% 100%

15 20% 80%35 34% 66%46 41% 59%76 34% 66%88 36% 64%75 35% 65%83 47% 53%35 49% 51%36 44% 56%32 25% 75%53 18% 82%

119 28% 72%60 39% 61%63 32% 68%26 61% 39%40 76% 24%38 27% 73%60 51% 49%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer business checking accounts.

Table 2-34Business Checking: Minimum Balance Required to Open Account

185 $50 $2,500 6% 28% 22% 1% 31% 12%3 $25 $25 0% 100% 0% 0% 0% 0%

11 $50 $100 18% 27% 18% 9% 27% 0%19 $25 $2,500 11% 42% 26% 0% 5% 16%25 $50 $1,500 4% 20% 32% 0% 36% 8%31 $60 $1,500 3% 26% 23% 0% 32% 16%26 $100 $2,500 8% 19% 12% 0% 50% 12%37 $89 $2,500 3% 22% 24% 0% 35% 16%17 $90 $1,500 0% 29% 18% 0% 41% 12%16 $100 $1,000 6% 19% 6% 0% 50% 19%

7 $40 $2,500 9% 38% 26% 0% 0% 26%9 $60 $100 0% 43% 0% 14% 43% 0%

34 $50 $300 9% 20% 31% 0% 29% 11%23 $50 $700 5% 25% 31% 0% 33% 6%22 $50 $1,500 7% 26% 29% 0% 27% 11%15 $50 $1,000 10% 34% 10% 0% 40% 5%32 $50 $2,500 0% 42% 18% 0% 21% 19%12 $94 $100 8% 14% 23% 0% 55% 0%31 $100 $2,500 8% 21% 16% 0% 35% 20%


Byassetsize


Byregion


$25 $25 $50 $51 - $99 $100$150 or

more

Note: Limited to credit unions that offer business checking accounts and require a minimum balance to open the account.



Table 2-35Business Checking: Charge Monthly Maintenance Fee

519 19% 59% 22%2 0% 100% 0%

15 7% 87% 7%35 11% 63% 26%49 18% 67% 14%83 18% 64% 18%91 18% 54% 29%84 39% 36% 25%86 20% 55% 26%36 22% 50% 28%38 11% 45% 45%32 22% 57% 21%56 9% 80% 12%

128 17% 62% 21%63 19% 65% 16%66 17% 66% 17%28 20% 57% 23%39 29% 33% 38%41 26% 62% 12%66 24% 33% 44%


By asset size


By region

N Yes No

Only ifbelow

minimumbalance




Table 2-36Business Checking: Minimum Balance Required to Avoid Monthly Maintenance Fee

117 $592 $20,000 52% 17% 6% 13% 13%1 ** ** 0% 100% 0% 0% 0%9 $500 $2,500 89% 0% 0% 11% 0%6 $250 $2,500 67% 17% 0% 17% 0%

14 $500 $5,000 71% 7% 7% 7% 7%23 $1,000 $5,000 43% 22% 13% 13% 9%20 $1,000 $20,000 45% 25% 5% 10% 15%17 $1,000 $5,000 35% 24% 0% 24% 18%10 $2,250 $10,000 30% 10% 10% 0% 50%17 $2,500 $7,500 18% 18% 6% 29% 29%6 $1,962 $5,000 50% 0% 0% 14% 36%8 $1,874 $5,000 36% 12% 0% 43% 9%

29 $788 $5,000 52% 25% 6% 8% 9%10 $300 $1,000 93% 7% 0% 0% 0%11 $152 $7,500 66% 15% 7% 0% 12%5 $824 $5,000 58% 0% 16% 11% 15%

14 $924 $10,000 50% 6% 14% 16% 15%3 $2,064 $2,500 0% 42% 0% 58% 0%

31 $1,000 $20,000 38% 25% 3% 14% 20%


Byassetsize


Byregion


$1,000 $1,000$1,001 -$2,499 $2,500

More than$2,500

Note: Limited to credit unions that offer business checking accounts and require a minimum balance to avoid a maintenance fee.


Table 2-37Business Checking: Monthly Maintenance Fee

211 $8.00 $100.00 13% 25% 16% 28% 19%2 $8.50 $10.00 0% 0% 50% 50% 0%

11 $5.00 $10.00 36% 45% 0% 18% 0%14 $6.75 $15.00 36% 7% 14% 29% 14%25 $6.00 $30.00 8% 40% 12% 24% 16%37 $10.00 $25.00 5% 22% 16% 32% 24%51 $8.44 $50.00 12% 22% 18% 22% 27%36 $10.00 $20.00 6% 22% 17% 39% 17%17 $7.90 $25.00 12% 24% 24% 18% 24%18 $10.00 $100.00 0% 11% 28% 39% 22%12 $7.77 $20.00 0% 44% 7% 34% 15%12 $7.70 $10.00 15% 22% 27% 36% 0%51 $9.65 $50.00 8% 21% 20% 36% 15%22 $5.00 $25.00 21% 34% 26% 9% 9%21 $10.00 $30.00 4% 23% 8% 43% 22%13 $8.73 $25.00 12% 25% 20% 24% 19%22 $8.33 $100.00 20% 19% 13% 26% 22%15 $8.60 $30.00 21% 21% 9% 16% 32%43 $9.49 $20.00 14% 24% 11% 25% 26%


Byassetsize


Byregion


$5 $5$5.01 - $9.99 $10

More than$10

Note: Limited to credit unions that offer business checking accounts and charge a monthly maintenance fee.



Table 2-38Business Checking: Charge a Per-Check Fee for Checks Written Above a Certain Number

513 16% 84% 101 50.00 500.00 103 $.20 $.752 0% 100% 0 ** ** 0 ** **

15 7% 93% 0 ** ** 0 ** **36 0% 100% 0 ** ** 0 ** **48 0% 100% 0 ** ** 0 ** **84 11% 89% 7 50.00 250.00 7 $.15 $.5091 14% 86% 11 79.79 500.00 12 $.14 $.7584 32% 68% 26 50.00 250.00 25 $.20 $.5085 28% 72% 22 50.00 500.00 23 $.15 $.3534 50% 50% 17 58.66 250.00 17 $.20 $.3534 56% 44% 18 100.00 200.00 19 $.25 $.3032 21% 79% 8 30.85 100.00 8 $.20 $.3554 14% 86% 9 116.72 200.00 11 $.25 $.50

129 24% 76% 31 75.00 500.00 33 $.15 $.3564 16% 84% 14 30.00 250.00 13 $.10 $.3063 6% 94% 5 141.27 250.00 5 $.23 $.2527 6% 94% 2 43.70 50.00 2 $.25 $.2540 13% 87% 7 60.10 300.00 6 $.25 $.3040 16% 84% 8 54.25 250.00 8 $.25 $.5064 20% 80% 17 98.18 500.00 17 $.15 $.75


Byassetsize


Byregion

N Yes No N Median Maximum

Number of free checksallowed

N Median MaximumPer-check fee


**Insuffcient data.

Table 2-39Business Checking: Charge a Dormant Account Fee

511 35% 65%2 0% 100%

15 13% 87%35 31% 69%49 39% 61%82 30% 70%92 39% 61%84 42% 58%84 39% 61%35 43% 57%33 33% 67%32 21% 79%55 30% 70%

130 37% 63%63 26% 74%60 43% 57%27 62% 38%39 25% 75%42 44% 56%63 31% 69%


By asset size


By region

N Yes No




Table 2-40Business Checking: Dormant Account Fees

175 $5 $30 10% 14% 14% 46% 17%2 $3 $3 0% 0% 100% 0% 0%

10 $5 $10 0% 20% 0% 60% 20%17 $3 $25 12% 12% 29% 35% 12%25 $5 $20 12% 16% 4% 48% 20%33 $3 $25 15% 21% 15% 33% 15%34 $5 $30 3% 15% 12% 53% 18%30 $5 $10 10% 3% 7% 57% 23%13 $5 $10 23% 8% 15% 38% 15%11 $5 $8 9% 9% 9% 64% 9%6 $5 $5 0% 25% 0% 75% 0%

18 $5 $10 17% 13% 4% 43% 22%44 $3 $30 14% 14% 25% 43% 3%15 $5 $15 5% 5% 19% 43% 28%27 $5 $25 11% 13% 6% 42% 28%15 $5 $20 0% 5% 9% 57% 29%12 $5 $10 8% 0% 29% 55% 7%18 $5 $25 13% 29% 4% 40% 13%20 $5 $10 9% 18% 9% 41% 24%


Byassetsize


Byregion


$2 $2$2.01 - $4.99 $5

More than$5

Note: Limited to credit unions that offer business checking accounts and charge dormant account fees.

Table 2-41Business Checking: Offer Rewards

526 7% 6% 87%2 0% 0% 100%

16 6% 6% 88%36 3% 6% 92%50 2% 8% 90%85 4% 5% 92%93 6% 6% 87%86 14% 6% 80%85 18% 5% 78%37 5% 11% 84%36 8% 3% 89%33 0% 9% 91%60 2% 7% 91%

132 6% 4% 90%65 8% 6% 86%66 7% 9% 84%28 9% 8% 83%38 7% 4% 89%41 13% 6% 81%63 11% 3% 86%


By asset size


By region

NYes, no

feeYes, with

a fee No




Table 3-1Charge Nonsufficient Funds (NSF) Fees

1,140 99% 1% 1%7 86% 0% 14%

63 100% 0% 0%128 98% 1% 1%151 98% 1% 1%194 99% 1% 0%205 100% 0% 0%157 99% 1% 0%128 98% 2% 0%

55 100% 0% 0%52 98% 2% 0%69 98% 2% 0%

131 98% 2% 0%259 99% 1% 0%120 97% 2% 1%161 97% 0% 3%

74 98% 2% 0%114 99% 0% 1%

77 99% 1% 0%135 99% 1% 0%


By assetsize


By region*

NYes, a fixed

fee

Yes, basedon a tiered

fee schedule No

*New England: NH,VT, ME, MA, RI, CT; Middle Atlantic: NY, NJ, PA; East North Central: OH, IN, IL, MI, WI; West North Central: MN, IA, MO, ND, SD, NE, KS; SouthAtlantic: DE, MD, DC, VA, WV, NC, SC, GA, FL;East South Central: KY, TN, AL, MS; West South Central: AR, LA, OK, TX;Mountain: MT, ID, WY, CO, NM, AZ, UT, NV; Pacific: WA, OR, CA, AK, HI. Note: Limited to credit unions that offer checking accounts.

Results Tables: Chapter 3 - NSF and Other Checking Fees


Table 3-2NSF Fee

1,124 $25 $40 12% 23% 6% 36% 22%6 $23 $40 33% 17% 0% 33% 17%

63 $25 $35 13% 24% 2% 46% 16%126 $25 $35 12% 31% 4% 37% 17%146 $23 $35 18% 30% 3% 34% 15%192 $25 $35 13% 27% 6% 34% 20%204 $25 $35 11% 14% 8% 41% 26%156 $25 $38 7% 17% 9% 35% 32%125 $25 $40 3% 19% 10% 33% 34%55 $25 $35 9% 4% 7% 36% 44%51 $25 $35 2% 22% 4% 35% 37%68 $25 $30 13% 25% 7% 47% 8%

128 $25 $35 14% 29% 2% 37% 17%258 $25 $40 11% 24% 5% 40% 21%116 $22 $35 20% 28% 10% 30% 12%159 $25 $38 5% 13% 4% 35% 44%73 $25 $32 7% 20% 3% 29% 42%

113 $25 $35 6% 26% 7% 45% 17%76 $25 $35 14% 20% 11% 31% 24%

133 $22 $35 22% 26% 5% 30% 17%


Byassetsize


Byregion


$20 $20$21 -

$24.99 $25More than

$25

Note: Limited to credit unions that offer checking accounts and charge an NSF fee.

Table 3-3Offer Automatic Overdraft Transfer

1,153 57% 36% 7%7 29% 71% 0%

64 52% 31% 17%130 55% 36% 8%153 54% 37% 9%196 65% 30% 6%206 58% 37% 5%159 59% 39% 2%129 57% 40% 3%56 63% 34% 4%53 55% 42% 4%69 67% 27% 6%

132 48% 40% 12%261 66% 26% 8%122 52% 41% 7%163 49% 45% 5%75 49% 49% 3%

116 73% 18% 9%77 30% 68% 2%

138 64% 32% 4%


Byassetsize


Byregion

NYes, charge

a feeYes, do notcharge a fee No




Table 3-4Automatic Overdraft Transfer Fee

656 $3.00 $28.00 13% 21% 18% 4% 30% 3% 6% 3%2 $1.50 $2.00 50% 50% 0% 0% 0% 0% 0% 0%

32 $5.00 $25.00 16% 19% 6% 0% 44% 6% 3% 6%72 $5.00 $20.00 11% 19% 15% 3% 33% 4% 7% 7%81 $3.00 $15.00 10% 22% 19% 2% 31% 2% 10% 4%

123 $3.00 $20.00 14% 20% 24% 4% 28% 2% 4% 3%116 $3.00 $21.00 16% 22% 16% 5% 27% 5% 9% 2%93 $3.00 $10.00 13% 27% 15% 5% 31% 2% 6% 0%74 $3.00 $15.00 12% 18% 26% 4% 30% 3% 4% 4%35 $4.00 $28.00 9% 23% 14% 14% 26% 6% 6% 3%28 $3.00 $5.00 14% 11% 36% 4% 36% 0% 0% 0%47 $3.70 $15.00 5% 22% 23% 3% 23% 9% 9% 6%61 $5.00 $10.00 12% 7% 16% 3% 44% 5% 13% 0%

177 $3.00 $28.00 12% 19% 22% 4% 33% 3% 5% 3%63 $3.00 $10.00 9% 32% 22% 5% 25% 4% 3% 0%80 $5.00 $25.00 14% 15% 11% 5% 39% 4% 6% 5%36 $3.00 $15.00 17% 31% 8% 0% 28% 0% 8% 9%84 $3.00 $21.00 17% 27% 18% 3% 22% 2% 5% 6%21 $2.15 $20.00 12% 40% 21% 0% 9% 6% 6% 6%87 $3.00 $20.00 20% 18% 19% 7% 30% 1% 4% 2%


Byassetsize


Byregion

N Median Maximum$1 orless

$1.25 -$2

$2.50 -$3

$3.50 -$4 $5

$5.25 -$9 $10

Morethan $10

Note: Limited to credit unions that offer checking accounts and offer automatic overdraft transfer and charge a fee for this service.

Table 3-5How Fee for Automatic Overdraft Transfer Is Assessed

636 51% 41% 5% 3%1 100% 0% 0% 0%

33 48% 39% 9% 3%69 45% 45% 9% 1%76 42% 42% 7% 9%

125 54% 42% 2% 2%113 64% 32% 4% 1%

88 50% 41% 6% 3%68 50% 40% 7% 3%34 41% 50% 6% 3%29 45% 41% 7% 7%48 56% 35% 9% 1%62 49% 37% 10% 4%

169 53% 41% 4% 3%62 40% 48% 6% 5%77 56% 34% 5% 4%32 49% 44% 4% 2%82 48% 42% 6% 4%20 63% 34% 3% 0%84 47% 45% 4% 4%


Byassetsize


Byregion

NPer overdraft

(item) coveredPer aggregatedaily transfer Other Per transfer

Note: Limited to credit unions that offer checking accounts and offer automatic overdraft transfer for a fee.



Table 3-6Offer Overdraft Line-of-Credit

1,150 17% 42% 42%7 0% 29% 71%

64 6% 19% 75%129 12% 32% 57%152 16% 37% 47%195 21% 41% 38%206 18% 52% 30%159 18% 59% 23%129 22% 55% 22%

56 34% 46% 20%53 17% 74% 9%69 15% 43% 41%

131 7% 36% 57%261 23% 34% 42%122 16% 51% 33%162 11% 46% 43%

75 9% 41% 50%116 18% 33% 49%

76 17% 69% 14%138 26% 41% 33%


Byassetsize


Byregion

NYes, charge



Table 3-7Overdraft Line-of-Credit Fee

178 $5.00 $35.00 6% 19% 0% 15% 6% 33% 21%4 $3.50 $5.00 0% 50% 0% 0% 0% 50% 0%

13 $5.00 $25.00 0% 23% 0% 8% 0% 38% 31%20 $3.50 $25.00 5% 30% 0% 15% 5% 25% 20%36 $5.00 $35.00 3% 11% 0% 22% 6% 42% 17%34 $5.00 $25.00 6% 12% 0% 15% 6% 24% 38%21 $4.22 $30.00 5% 33% 0% 5% 10% 24% 24%26 $3.50 $30.00 15% 8% 0% 27% 8% 31% 12%17 $4.20 $25.00 12% 18% 6% 6% 12% 29% 18%

7 $4.42 $5.00 14% 14% 0% 14% 0% 57% 0%6 $4.43 $25.00 13% 0% 0% 13% 26% 35% 13%7 $4.11 $25.00 0% 10% 0% 39% 0% 30% 21%

62 $5.00 $30.00 1% 20% 0% 18% 6% 38% 18%19 $2.80 $25.00 0% 48% 0% 15% 0% 18% 19%19 $5.00 $25.00 4% 15% 0% 0% 11% 47% 23%

7 $1.94 $5.00 40% 38% 0% 13% 0% 10% 0%20 $5.00 $35.00 6% 18% 4% 15% 0% 21% 36%

9 $3.00 $17.00 28% 14% 0% 28% 0% 8% 22%29 $5.00 $30.00 5% 2% 0% 13% 11% 46% 23%


Byassetsize


Byregion


$2 $2 $2.50 $3 $4 $5More

than $5

Note: Limited to credit unions that offer checking accounts and offer an overdraft line-of-credit for a fee.



Table 3-8How Fee for Overdraft Line-of-Credit Is Assessed

195 44% 34% 10% 2% 1% 9%4 50% 50% 0% 0% 0% 0%

14 36% 43% 7% 0% 0% 14%24 38% 33% 8% 4% 4% 13%40 53% 33% 10% 0% 0% 5%34 50% 29% 6% 6% 0% 9%25 28% 28% 24% 0% 4% 16%27 63% 19% 7% 0% 0% 11%18 28% 56% 17% 0% 0% 0%

9 33% 44% 22% 0% 0% 0%10 13% 26% 50% 0% 0% 12%

9 54% 24% 6% 0% 0% 16%65 51% 38% 7% 1% 0% 2%20 24% 36% 6% 4% 10% 20%16 66% 26% 0% 0% 0% 9%

8 39% 19% 21% 0% 0% 20%21 56% 31% 7% 0% 0% 6%12 44% 6% 28% 11% 0% 11%34 37% 50% 4% 0% 0% 9%


Byassetsize


Byregion

NPer overdraft

item

Peraggregate

daily transfer Interest rate Annually Per transfer Other

Note: Limited to credit unions that offer checking accounts and offer an overdraft line-of-credit for a fee.

Table 3-9Offer Automated Overdraft Protection Program

1,153 47% 5% 48%7 14% 0% 86%

64 22% 5% 73%130 22% 8% 71%153 27% 8% 65%196 48% 4% 48%206 66% 2% 32%158 80% 4% 16%130 84% 2% 14%

56 79% 5% 16%53 81% 8% 11%69 31% 1% 68%

132 29% 3% 68%261 47% 6% 47%122 42% 7% 51%162 50% 5% 44%

75 54% 7% 39%116 61% 3% 36%

77 62% 4% 35%139 51% 6% 44%


Byassetsize


Byregion

NYes, charge





Table 3-10Automated Overdraft Protection Program Fee

625 $25.00 $38.00 10% 17% 8% 36% 15% 12% 3%1 $20.00 $20.00 0% 100% 0% 0% 0% 0% 0%

13 $20.00 $30.00 46% 15% 0% 31% 0% 8% 0%28 $25.00 $35.00 18% 21% 0% 36% 4% 18% 4%40 $25.00 $33.00 10% 20% 5% 35% 8% 20% 3%92 $25.00 $35.00 8% 22% 10% 36% 15% 5% 4%

132 $25.00 $35.00 5% 10% 11% 39% 14% 15% 5%124 $25.00 $38.00 6% 15% 10% 35% 15% 15% 2%109 $25.00 $33.00 7% 14% 10% 34% 19% 12% 4%

43 $25.00 $30.00 9% 2% 7% 40% 33% 9% 0%43 $25.00 $35.00 14% 16% 5% 33% 21% 7% 5%29 $25.00 $30.00 18% 14% 3% 41% 17% 6% 0%50 $25.00 $35.00 12% 13% 8% 37% 7% 16% 7%

145 $25.00 $35.00 9% 19% 7% 36% 15% 12% 2%56 $25.00 $35.00 6% 22% 20% 37% 4% 7% 4%89 $26.58 $38.00 2% 14% 2% 31% 22% 21% 8%44 $25.44 $32.00 6% 17% 4% 24% 32% 16% 2%80 $25.00 $35.00 9% 20% 12% 39% 8% 8% 5%54 $25.00 $35.00 16% 13% 12% 30% 17% 9% 2%78 $25.00 $30.00 19% 10% 8% 45% 10% 9% 0%


Byassetsize


Byregion


$20 $20$20.01-$24.99 $25

$25.01-$29.99 $30

Morethan $30

Note: Limited to credit unions that offer checking accounts and offer an automated overdraft protection program for a fee.

Table 3-11How Fee for Automated Overdraft Protection Program Is Assessed

620 94% 4% 2%1 0% 100% 0%

13 77% 15% 8%28 96% 0% 4%40 98% 3% 0%90 93% 3% 3%

130 97% 1% 2%123 97% 2% 2%108 96% 2% 2%

44 91% 7% 2%43 98% 2% 0%29 100% 0% 0%52 90% 5% 5%

145 98% 2% 1%57 93% 3% 5%88 92% 7% 2%45 96% 4% 0%78 95% 2% 3%49 97% 3% 0%77 87% 7% 6%


Byassetsize


Byregion

NPer overdraft

itemPer aggregatedaily transfer Other

Note: Limited to credit unions that offer checking accounts and offer an automated overdraftprotection program for a fee.



Table 3-12Charge Returned Deposit Item Fee

1,129 89% 11%6 67% 33%

61 84% 16%127 90% 10%149 88% 12%193 90% 10%203 92% 8%155 90% 10%128 91% 9%

55 84% 16%52 94% 6%68 92% 8%

131 92% 8%255 88% 12%119 88% 12%160 92% 8%

73 81% 19%112 84% 16%

76 83% 17%135 93% 7%

1,129 89% 11%6 67% 33%

61 84% 16%127 90% 10%149 88% 12%193 90% 10%203 92% 8%155 90% 10%128 91% 9%

55 84% 16%52 94% 6%


By assetsize


By region

YesLess than $2M$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

Byassetsize

YesBy offercheckingaccounts

N Yes No



Table 3-13Returned Deposit Item Fee

991 $15.00 $38.00 4% 13% 3% 19% 1%4 $22.50 $30.00 0% 0% 0% 0% 0%

51 $20.00 $35.00 0% 4% 0% 22% 0%108 $20.00 $35.00 2% 13% 1% 16% 1%130 $18.50 $35.00 5% 11% 5% 17% 1%169 $15.00 $35.00 5% 14% 4% 21% 2%181 $15.00 $35.00 7% 15% 3% 20% 1%138 $15.00 $38.00 3% 20% 1% 21% 1%116 $15.00 $35.00 7% 16% 4% 16% 2%46 $15.00 $30.00 4% 11% 4% 20% 4%48 $10.00 $28.00 0% 29% 10% 19% 6%61 $15.00 $27.00 7% 16% 3% 18% 0%

118 $20.00 $35.00 0% 6% 3% 20% 3%224 $20.00 $35.00 2% 13% 5% 17% 0%105 $10.00 $30.00 7% 21% 2% 22% 0%144 $20.00 $38.00 1% 9% 3% 17% 2%57 $15.00 $32.00 5% 13% 0% 14% 4%95 $15.00 $30.00 10% 18% 5% 14% 1%64 $10.00 $35.00 11% 28% 1% 22% 0%

123 $15.00 $30.00 3% 8% 2% 24% 3%991 $15.00 $38.00 4% 13% 3% 19% 1%

4 $22.50 $30.00 0% 0% 0% 0% 0%51 $20.00 $35.00 0% 4% 0% 22% 0%

108 $20.00 $35.00 2% 13% 1% 16% 1%130 $18.50 $35.00 5% 11% 5% 17% 1%169 $15.00 $35.00 5% 14% 4% 21% 2%181 $15.00 $35.00 7% 15% 3% 20% 1%138 $15.00 $38.00 3% 20% 1% 21% 1%116 $15.00 $35.00 7% 16% 4% 16% 2%46 $15.00 $30.00 4% 11% 4% 20% 4%48 $10.00 $28.00 0% 29% 10% 19% 6%


By asset size


By region


Byassetsize



$1 $5$5.01-$9.99 $10

$10.01-$14.99

Note: Limited to credit unions that charge a returned deposit item fee.

(Continued)



Table 3-13Returned Deposit Item Fee

(Continued)

991 $15.00 $38.00 11% 2% 15% 21% 10%4 $22.50 $30.00 25% 0% 25% 25% 25%

51 $20.00 $35.00 12% 0% 18% 35% 10%108 $20.00 $35.00 12% 2% 25% 21% 7%130 $18.50 $35.00 10% 3% 17% 23% 9%169 $15.00 $35.00 11% 2% 13% 17% 10%181 $15.00 $35.00 10% 1% 12% 22% 10%138 $15.00 $38.00 5% 2% 13% 20% 14%116 $15.00 $35.00 13% 2% 9% 15% 16%46 $15.00 $30.00 17% 2% 7% 22% 9%48 $10.00 $28.00 13% 0% 13% 8% 2%61 $15.00 $27.00 17% 2% 17% 18% 1%

118 $20.00 $35.00 9% 2% 22% 24% 12%224 $20.00 $35.00 10% 1% 14% 27% 11%105 $10.00 $30.00 13% 1% 16% 15% 2%144 $20.00 $38.00 11% 1% 10% 24% 22%57 $15.00 $32.00 17% 1% 12% 12% 22%95 $15.00 $30.00 8% 1% 15% 23% 6%64 $10.00 $35.00 2% 4% 6% 15% 11%

123 $15.00 $30.00 13% 5% 23% 16% 4%991 $15.00 $38.00 11% 2% 15% 21% 10%

4 $22.50 $30.00 25% 0% 25% 25% 25%51 $20.00 $35.00 12% 0% 18% 35% 10%

108 $20.00 $35.00 12% 2% 25% 21% 7%130 $18.50 $35.00 10% 3% 17% 23% 9%169 $15.00 $35.00 11% 2% 13% 17% 10%181 $15.00 $35.00 10% 1% 12% 22% 10%138 $15.00 $38.00 5% 2% 13% 20% 14%116 $15.00 $35.00 13% 2% 9% 15% 16%46 $15.00 $30.00 17% 2% 7% 22% 9%48 $10.00 $28.00 13% 0% 13% 8% 2%


By asset size


By region


Byassetsize


N Median Maximum $15$15.01 -$19.99 $20

$21 -$25

Morethan $25

Note: Limited to credit unions that charge a returned deposit item fee.



Table 3-14Charge Check Stop-Payment Fee

1,138 98% 2%6 100% 0%

64 92% 8%128 98% 2%151 97% 3%194 100% 0%203 100% 0%157 99% 1%128 99% 1%

55 98% 2%52 96% 4%69 97% 3%

132 97% 3%257 98% 2%120 98% 2%161 99% 1%

74 97% 3%113 99% 1%

77 99% 1%135 99% 1%


By asset size


By region

N Yes No

Table 3-15Check Stop-Payment Fee

1,100 $16.32 $39.00 12% 18% 2% 18% 2% 17% 32%6 $15.00 $30.00 17% 33% 0% 0% 0% 33% 17%

57 $15.00 $35.00 9% 21% 5% 23% 5% 18% 19%121 $15.00 $35.00 12% 22% 2% 19% 1% 19% 26%145 $15.00 $35.00 18% 22% 2% 21% 1% 14% 21%189 $15.00 $35.00 17% 18% 2% 15% 1% 16% 31%196 $20.00 $35.00 6% 11% 2% 21% 3% 13% 43%155 $20.00 $32.00 7% 14% 1% 18% 1% 15% 43%127 $20.00 $39.00 4% 12% 2% 21% 0% 20% 42%

54 $21.69 $30.00 2% 15% 4% 9% 2% 19% 50%50 $20.00 $30.00 0% 6% 4% 18% 2% 28% 42%64 $15.00 $30.00 10% 16% 3% 34% 2% 17% 17%

124 $10.00 $35.00 23% 29% 3% 11% 1% 16% 17%250 $20.00 $35.00 9% 15% 2% 18% 2% 17% 38%117 $15.00 $31.00 14% 18% 3% 19% 1% 26% 19%156 $20.00 $35.00 10% 17% 0% 16% 0% 12% 45%

70 $20.00 $32.00 9% 9% 2% 12% 2% 19% 46%111 $20.00 $30.00 2% 5% 1% 14% 1% 28% 48%

76 $15.00 $39.00 13% 23% 4% 16% 5% 11% 28%132 $15.00 $30.00 13% 26% 4% 29% 3% 8% 19%


Byassetsize


Byregion


$10 $10$10.01-$14.99 $15

$15.01-$19.99 $20

Morethan $20

Note: Limited to credit unions that offer a checking account and charge a check stop-payment fee.



Table 4-1Offer ATM or Check Cards

1,338 69% 31%54 6% 94%

133 37% 63%178 64% 36%165 90% 10%207 93% 7%206 100% 0%158 99% 1%129 100% 0%

56 100% 0%52 100% 0%79 60% 40%

163 58% 42%298 70% 30%135 73% 27%189 71% 29%102 60% 40%139 69% 31%

84 78% 22%149 83% 17%

1,154 93% 7%184 1% 99%


By asset size


By region*

YesNo

By offer checkingaccount

N Yes No


Results Tables: Chapter 4 - ATM/Check Cards


Table 4-2Charge One-Time Issuance Fee for ATM or Check Card

1,092 5% 95%3 0% 100%

48 8% 92%112 10% 90%147 6% 94%190 7% 93%204 4% 96%152 1% 99%129 1% 99%

55 0% 100%52 0% 100%60 13% 87%

121 3% 97%244 5% 95%115 8% 92%158 2% 98%

75 6% 94%112 12% 88%

75 5% 95%132 2% 98%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer ATM or check cards.

Table 4-3One-Time Issuance Fee for ATM or Check Card

45 $5.00 $15.00 16% 58% 26%4 $5.00 $5.00 0% 100% 0%

11 $7.00 $15.00 18% 27% 55%9 $5.00 $15.00 11% 67% 22%

10 $5.00 $15.00 20% 70% 10%8 $5.00 $10.00 38% 25% 38%2 $5.00 $5.00 0% 100% 0%1 ** ** 0% 100% 0%6 $5.00 $10.00 0% 83% 17%3 $10.96 $15.00 39% 0% 61%9 $5.00 $10.00 17% 60% 23%7 $5.13 $10.00 10% 47% 43%3 $5.00 $5.00 21% 79% 0%3 $5.00 $10.00 32% 37% 31%

10 $5.00 $15.00 23% 58% 18%3 $7.53 $15.00 0% 59% 41%1 $5.00 $5.00 0% 100% 0%

37 $5.00 $15.00 17% 59% 23%5 $7.00 $15.00 0% 40% 60%3 $5.00 $5.00 31% 69% 0%

Overall$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M

Byassetsize


Byregion

Combined debit/ATM cardDebit onlyATM only

By cardtype

N Median Maximum $1 - $4 $5 $6 or more

Note: Limited to credit unions that offer ATM or check cards with a one-time issuance fee. **Insufficient data.



Table 4-4Charge Replacement-Card Fee for ATM or Check Card

1,099 83% 17%3 33% 67%

49 73% 27%113 82% 18%147 83% 17%192 86% 14%203 86% 14%155 86% 14%129 87% 13%

56 80% 20%52 67% 33%61 84% 16%

122 85% 15%246 86% 14%115 80% 20%159 83% 17%

75 80% 20%112 85% 15%

75 74% 26%134 83% 17%996 83% 17%

73 80% 20%30 81% 19%


By assetsize


By region


By cardtype

N Yes No




Table 4-5Replacement-Card Fee for ATM or Check Card

852 $5.00 $50.00 8% 58% 5% 22% 5% 3%1 ** ** 0% 100% 0% 0% 0% 0%

35 $5.00 $20.00 0% 71% 9% 9% 9% 3%87 $5.00 $35.00 5% 54% 3% 24% 6% 8%

114 $5.00 $25.00 6% 53% 4% 22% 11% 4%150 $5.00 $35.00 9% 61% 7% 21% 2% 1%157 $5.00 $25.00 6% 55% 4% 29% 4% 1%129 $5.00 $50.00 9% 62% 5% 20% 2% 2%105 $5.00 $20.00 13% 50% 5% 29% 3% 1%

43 $5.00 $15.00 19% 58% 2% 19% 2% 0%31 $5.00 $20.00 13% 61% 16% 6% 0% 3%50 $5.00 $15.00 6% 46% 7% 39% 3% 0%

101 $5.00 $50.00 6% 60% 2% 21% 6% 5%198 $5.00 $35.00 6% 64% 4% 22% 4% 1%

87 $5.00 $20.00 6% 63% 6% 17% 7% 1%123 $5.00 $25.00 7% 56% 6% 25% 3% 3%

55 $5.00 $25.00 9% 48% 7% 24% 6% 5%84 $5.00 $35.00 15% 64% 4% 5% 7% 6%54 $5.48 $20.00 8% 43% 5% 33% 8% 3%

100 $5.00 $25.00 8% 53% 9% 23% 4% 4%772 $5.00 $50.00 8% 58% 5% 22% 5% 3%

57 $5.00 $25.00 7% 50% 6% 29% 4% 4%23 $5.00 $15.00 5% 71% 8% 12% 4% 0%


Byassetsize


Byregion


By cardtype


$5 $5 $6 - $9 $10$12 -$15

$20 ormore

Note: Limited to credit unions that offer ATM or check cards with a replacement fee.**Insufficient data.

Table 4-6Charge Annual Fee for ATM or Check Card

1,098 3% 97%3 0% 100%

49 6% 94%114 4% 96%148 5% 95%191 2% 98%202 1% 99%155 2% 98%129 2% 98%

56 0% 100%51 0% 100%61 0% 100%

123 6% 94%245 1% 99%115 5% 95%159 3% 97%

75 1% 99%112 1% 99%

75 8% 92%133 3% 97%995 3% 97%

73 3% 97%30 0% 100%


Byassetsize


Byregion


By cardtype

N Yes No




Table 4-7Annual Fee for ATM or Check Card

25 $12.00 $36.00 17% 26% 57%3 $12.00 $20.00 0% 0% 100%4 $13.50 $36.00 0% 0% 100%7 $10.00 $12.00 29% 29% 43%3 $10.00 $10.00 0% 100% 0%3 $20.36 $24.00 33% 0% 67%3 $10.79 $12.00 33% 33% 33%2 $11.32 $12.00 50% 0% 50%6 $14.18 $36.00 0% 0% 100%3 $10.00 $12.00 24% 51% 24%4 $12.00 $15.00 25% 0% 75%3 $5.82 $10.00 62% 38% 0%1 $24.00 $24.00 0% 0% 100%1 $10.00 $10.00 0% 100% 0%4 $11.11 $12.00 0% 49% 51%3 $10.00 $12.00 24% 52% 24%

23 $12.00 $36.00 18% 23% 58%2 $12.35 $15.00 0% 51% 49%

Overall$2M-$5M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M

Byassetsize

Middle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralWest South CentralMountainPacific

Byregion

Combined debit/ATM cardDebit only

By cardtype

N Median Maximum $5 $9 - $10 $12 or more

Note: Limited to credit unions that offer ATM or check cards and charge an annual fee.

Table 4-8Charge Per-Transaction Fee for Using Non-Owned ATMs

1,084 52% 48%3 67% 33%

47 38% 62%109 50% 50%144 41% 59%190 43% 57%203 58% 42%153 65% 35%128 68% 32%

56 86% 14%51 78% 22%60 61% 39%

122 44% 56%242 62% 38%114 56% 44%154 48% 52%

73 40% 60%110 53% 47%

75 48% 52%134 44% 56%


Byassetsize


Byregion

N Yes No




Table 4-9Per-Transaction Fee for Using Non-Owned ATMs

570 $1.00 $50.00 6% 8% 56% 18% 11%1 ** ** 0% 0% 0% 100% 0%

17 $1.00 $2.50 6% 0% 65% 12% 18%50 $1.00 $2.00 6% 8% 62% 18% 6%58 $1.00 $50.00 9% 4% 49% 25% 14%75 $1.00 $2.15 1% 12% 65% 11% 11%

109 $1.00 $3.00 7% 12% 56% 14% 11%93 $1.00 $2.00 8% 8% 53% 17% 15%83 $1.00 $2.50 6% 10% 54% 17% 13%46 $1.00 $2.00 13% 9% 43% 24% 11%38 $1.00 $1.75 5% 8% 61% 24% 3%35 $1.00 $2.00 2% 6% 62% 19% 10%62 $1.00 $2.00 1% 26% 57% 11% 5%

146 $1.00 $2.50 12% 4% 51% 22% 10%64 $1.00 $3.00 8% 4% 53% 14% 21%80 $1.00 $2.50 3% 10% 57% 16% 14%31 $1.00 $2.00 3% 10% 66% 17% 5%57 $1.00 $50.00 3% 7% 70% 11% 10%36 $1.00 $2.50 7% 8% 47% 22% 17%59 $1.00 $2.00 6% 7% 56% 24% 8%35 $1.00 $2.50 8% 4% 52% 16% 20%57 $1.00 $3.00 6% 5% 64% 14% 11%48 $1.00 $2.00 9% 14% 56% 14% 7%36 $1.00 $2.00 13% 24% 46% 7% 9%29 $1.00 $2.00 3% 5% 72% 15% 5%21 $1.00 $2.00 4% 11% 56% 25% 4%


By asset size


By region

1-34567-910 or more

By number of freetransactions onnon-owned ATMs

N Median Maximum$0.40 -$0.60

$0.70 -$0.95 $1.00

$1.25 -$1.50

$1.75 ormore

Note: Limited to credit unions that offer an ATM or check card program and charge a per-transaction fee on non-owned ATMs.**Insufficient data.

Table 4-10Allow Free Transactions Before Assessing Fee for Use of Non-Owned ATMs

285 83% 17%2 100% 0%7 86% 14%

23 91% 9%26 77% 23%50 82% 18%53 87% 13%56 84% 16%42 69% 31%15 80% 20%11 91% 9%18 84% 16%41 98% 2%85 88% 12%39 86% 14%37 84% 16%13 71% 29%14 42% 58%15 78% 22%23 62% 38%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer ATM or check cards and charge a per-transaction feeon non-owned ATMs.



Table 4-11Number of Free Transactions Allowed Before Charging for Using Non-Owned ATMs

286 4.0 20.0 16% 27% 20% 13% 12% 12%2 7.0 10.0 0% 50% 0% 0% 0% 50%7 3.0 10.0 50% 33% 0% 0% 0% 17%

23 4.0 10.0 14% 38% 38% 0% 0% 10%26 4.0 12.0 15% 25% 15% 15% 15% 15%50 4.0 15.0 15% 29% 12% 15% 22% 7%53 4.8 10.0 17% 24% 24% 13% 15% 7%57 5.0 10.0 13% 15% 25% 31% 6% 10%42 4.0 10.0 14% 24% 28% 14% 7% 14%15 4.8 12.0 17% 17% 25% 8% 25% 8%11 5.7 20.0 20% 20% 10% 10% 20% 20%18 4.0 10.0 10% 48% 19% 20% 0% 4%41 6.0 10.0 5% 19% 18% 21% 24% 14%85 4.0 12.0 21% 27% 13% 13% 13% 13%39 5.0 12.0 11% 22% 29% 18% 8% 12%37 4.0 12.0 16% 44% 18% 5% 7% 10%13 5.0 10.0 8% 8% 25% 16% 34% 8%14 .0 4.0 62% 38% 0% 0% 0% 0%15 4.4 10.0 25% 12% 35% 0% 12% 17%24 4.0 20.0 15% 25% 34% 8% 5% 13%21 4.9 10.0 18% 22% 25% 26% 5% 4%24 5.0 10.0 6% 14% 28% 36% 6% 10%

158 4.0 20.0 14% 31% 19% 11% 16% 8%40 4.0 12.0 18% 27% 20% 7% 14% 15%31 4.0 12.0 33% 32% 13% 13% 7% 3%


By asset size


By region

$0.40-$0.60$0.70-$0.95$1$1.25-$1.50$1.75 or more

By per-transactionfee on non-ownedATMs

N Median Maximum 1 - 3 4 5 6 7 - 910 ormore

Note: Limited to credit unions that offer ATM or check cards and charge a per-transaction fee on non-owned ATMs.

Table 4-12Charge Per-Transaction Fee for Using CU's Own ATMs

861 8% 92%1 100% 0%

15 0% 100%55 5% 95%89 10% 90%

146 11% 89%187 8% 92%146 6% 94%121 7% 93%52 2% 98%49 2% 98%51 3% 97%91 15% 85%

192 12% 88%85 10% 90%

126 8% 92%62 10% 90%87 3% 97%59 6% 94%

108 2% 98%


By asset size


By region

N Yes No




Table 4-13Per-Transaction Fee for Using Owned ATMs

60 $1.00 $10.00 18% 50% 32%1 $1.50 $1.50 0% 0% 100%3 $.75 $2.00 67% 0% 33%9 $1.00 $2.00 0% 78% 22%

16 $1.00 $2.50 13% 50% 38%14 $1.00 $10.00 31% 46% 23%9 $1.00 $1.00 11% 89% 0%7 $.81 $2.00 57% 29% 14%1 $2.00 $2.00 0% 0% 100%1 $2.00 $2.00 0% 0% 100%

13 $.96 $2.00 47% 42% 11%18 $1.00 $2.00 15% 41% 43%9 $1.00 $10.00 18% 82% 0%6 $1.88 $2.00 0% 33% 67%6 $1.49 $2.50 13% 37% 50%1 $1.00 $1.00 0% 100% 0%4 $1.00 $1.00 0% 100% 0%2 $1.00 $1.00 0% 100% 0%9 $1.08 $2.00 15% 38% 47%

10 $1.00 $1.50 22% 62% 16%6 $.81 $1.00 56% 44% 0%

14 $1.00 $2.00 25% 60% 15%

OverallLess than $2M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B

By asset size


By region

3-456-78 or more

By number offree transactionson owned ATMs

N Median Maximum$0.50 -$0.75 $1

$1.50 ormore

Note: Limited to credit unions that offer ATM or check cards and charge a per-transaction fee on owned ATMs.



Table 4-14Number of Free Transactions Allowed Before Charging for Using CU's Owned ATMs

41 5.0 10.0 31% 23% 13% 33%1 ** ** 100% 0% 0% 0%2 4.0 5.0 50% 50% 0% 0%4 5.5 8.0 0% 50% 25% 25%8 8.0 8.0 38% 0% 0% 63%

12 5.0 10.0 25% 33% 17% 25%7 5.8 10.0 0% 43% 29% 29%7 6.8 10.0 14% 14% 29% 43%1 ** ** 100% 0% 0% 0%

12 5.0 10.0 23% 36% 12% 29%13 5.0 10.0 40% 19% 18% 23%

4 6.9 10.0 42% 0% 0% 58%4 7.6 8.0 29% 0% 14% 57%2 7.8 8.0 0% 0% 50% 50%3 7.0 10.0 0% 67% 0% 33%2 6.1 8.0 0% 66% 0% 34%

12 6.0 10.0 19% 20% 27% 34%21 5.4 10.0 24% 27% 10% 39%

6 4.0 8.0 63% 16% 0% 21%

OverallLess than $2M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M

By asset size

New EnglandMiddle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralMountainPacific

By region

$0.50-$0.75$1$1.50 or more

By per-transactionfee on ownedATMs

N Median Maximum 3 - 4 5 6 - 7 8 or more

Note: Limited to CUs that offer ATM or check cards and charge a per-transaction fee on non-owned ATMs and allow some free transactions.**Insufficient data.

Table 4-15Charge Fee for PIN-Based Check Card Transactions at the Point-of-Sale

1,055 14% 86%3 33% 67%

41 20% 80%100 15% 85%139 16% 84%188 12% 88%197 14% 86%151 11% 89%128 9% 91%

56 13% 88%52 13% 87%60 19% 81%

112 12% 88%232 24% 76%112 20% 80%151 8% 92%

75 6% 94%111 5% 95%

72 5% 95%130 14% 86%983 14% 86%

72 9% 91%


By asset size


By region


By card type

N Yes No

Note: Limited to credit unions that offer a check card program.



Table 4-16Per-Transaction Fee for PIN-Based Check Card Transactions at the Point-of-Sale

127 $1.00 $3.00 7% 19% 10% 48% 16%8 $.75 $2.50 0% 50% 0% 38% 13%

14 $1.00 $3.00 0% 29% 0% 43% 29%22 $1.00 $1.50 14% 9% 18% 41% 18%21 $1.00 $2.00 5% 10% 14% 57% 14%24 $1.00 $2.00 4% 17% 8% 58% 13%16 $1.00 $2.00 0% 19% 6% 56% 19%10 $.50 $1.00 20% 40% 0% 40% 0%6 $.63 $1.50 50% 0% 0% 33% 17%6 $.88 $1.00 0% 17% 33% 50% 0%9 $.69 $2.00 0% 51% 0% 42% 6%

13 $1.00 $1.50 0% 0% 15% 68% 17%44 $1.00 $3.00 3% 18% 9% 47% 23%22 $1.00 $2.00 9% 17% 17% 54% 3%12 $1.00 $2.00 12% 0% 12% 47% 29%3 $1.00 $1.00 0% 36% 0% 64% 0%5 $1.00 $1.00 0% 34% 0% 66% 0%3 $1.11 $1.50 0% 40% 0% 21% 40%

16 $.63 $2.00 33% 17% 9% 23% 18%1 $1.00 $1.00 0% 0% 0% 100% 0%2 $.95 $1.00 0% 0% 34% 66% 0%3 $1.48 $2.00 0% 27% 0% 24% 49%


By asset size


By region

3-458 or more

By number offree transactionson owned ATMs


$0.35 -$0.50

$0.70 -$0.90 $1

$1.25 ormore

Note: Limited to credit unions that offer a check card program and charge a per-transaction fee for PIN-based check card transactions.



Table 4-17Number of Free Transactions Allowed Before Charging for PIN-Based Check Card Transactions at the Point-of-Sale

41 5.0 10.0 29% 26% 45%4 3.5 10.0 100% 0% 0%4 4.5 10.0 33% 33% 33%8 5.0 8.0 14% 43% 43%8 5.5 8.0 17% 17% 67%9 5.2 10.0 22% 33% 44%3 7.6 10.0 0% 0% 100%2 9.5 10.0 0% 0% 100%2 7.4 8.0 50% 0% 50%1 ** ** 0% 100% 0%5 4.0 6.0 57% 0% 43%9 5.0 10.0 38% 35% 28%

12 4.2 10.0 38% 9% 53%5 5.0 10.0 0% 85% 15%5 6.5 8.0 13% 37% 50%1 ** ** 0% 0% 100%2 10.0 10.0 0% 0% 100%2 5.5 8.0 50% 0% 50%

36 5.0 10.0 24% 28% 48%5 4.0 8.0 60% 14% 26%2 4.8 5.0 33% 67% 0%3 3.3 5.0 62% 38% 0%7 4.4 10.0 40% 23% 37%

20 5.0 10.0 26% 26% 48%8 8.0 10.0 16% 13% 71%


By asset size

New EnglandMiddle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralMountainPacific

By region


By card type

$0.05-$0.25$0.35-$0.50$0.70-$0.90$1.00$1.25 or more

By PIN-basedcheck cardper-transactionfee

N Median Maximum 2 - 4 5 6 - 10

Note: Limited to credit unions that offer a check card program and charge a per-transaction fee for PIN-based check card transactionsand allow some free transactions.




Table 4-18Instituted or Increased Per-Transaction Fee for PIN-Based Check Card

Transactions at the Point-of-Sale in the Last 12 Months

124 5% 95%7 14% 86%

14 7% 93%20 0% 100%22 5% 95%25 0% 100%13 15% 85%10 0% 100%

7 14% 86%6 17% 83%9 33% 67%

14 10% 90%44 1% 99%19 0% 100%12 6% 94%

3 0% 100%5 0% 100%3 0% 100%

15 5% 95%118 4% 96%

6 22% 78%10 7% 93%22 12% 88%12 4% 96%58 3% 97%18 3% 97%


By asset size


By region


By card type

$0.05-$0.25$0.35-$0.50$0.70-$0.90$1.00$1.25 or more

By PIN-basedcheck cardper-transactionfee

N Yes No

Note: Limited to credit unions that offer a check card program and charge aper-transaction fee for PIN-based check card transactions.



Table 4-19Offer Rewards on Check Cards

1,037 5% 0% 95%2 0% 0% 100%

41 0% 0% 100%100 1% 0% 99%134 1% 0% 99%185 2% 1% 98%196 4% 0% 96%145 10% 0% 90%127 15% 0% 85%

55 25% 0% 75%52 25% 2% 73%59 4% 0% 96%

111 7% 1% 92%227 4% 0% 96%110 3% 0% 97%150 5% 0% 95%

71 4% 0% 96%105 4% 0% 96%

71 8% 0% 92%133 8% 0% 92%


By assetsize


By region

NYes, no

feeYes, for a

fee No

Note: Limited to credit unions that offer check cards.



Table 4-20Belong to a Surcharge-Free ATM Network

1,039 75% 25%3 33% 67%

47 64% 36%104 70% 30%136 65% 35%180 76% 24%193 84% 16%148 86% 14%124 82% 18%

54 89% 11%50 86% 14%60 82% 18%

116 80% 20%229 81% 19%108 67% 33%156 78% 22%

71 64% 36%105 66% 34%

70 71% 29%124 76% 24%


By asset size


By region

N Yes No


Table 4-21Own/Lease ATMs

1,104 67% 33%3 33% 67%

49 16% 84%114 34% 66%148 50% 50%192 73% 27%205 93% 7%156 97% 3%129 93% 7%56 98% 2%52 100% 0%61 72% 28%

123 59% 41%247 71% 29%116 64% 36%160 67% 33%75 69% 31%

112 71% 29%75 64% 36%

135 68% 32%


By asset size


By region

N Yes No




Table 4-22Number of ATMs Owned or Leased

807 3 272 26% 15% 11% 7% 8%1 ** ** 100% 0% 0% 0% 0%7 2 8 43% 29% 14% 0% 0%

38 1 5 63% 13% 18% 3% 3%66 1 11 64% 20% 6% 5% 5%

140 2 19 36% 24% 15% 7% 9%186 4 34 10% 19% 20% 15% 11%150 7 24 3% 7% 9% 12% 12%114 11 72 0% 2% 2% 4% 7%55 21 170 2% 0% 2% 0% 2%50 49 272 0% 0% 0% 0% 0%47 3 55 30% 12% 15% 7% 3%81 2 140 28% 24% 8% 9% 4%

186 3 109 31% 9% 12% 7% 9%82 2 72 30% 22% 15% 4% 4%

119 4 144 20% 8% 16% 9% 12%55 4 50 19% 22% 6% 12% 8%87 3 131 24% 14% 14% 9% 6%51 5 170 15% 22% 9% 3% 12%99 5 272 25% 13% 5% 6% 7%


Byassetsize


Byregion

N Median Maximum 1 2 3 4 5

Note: Limited to credit unions that own or lease ATMs. **Insufficient data. (Continued)

Table 4-22Number of ATMs Owned or Leased

(Continued)

807 3 272 12% 13% 6% 3%1 ** ** 0% 0% 0% 0%7 2 8 14% 0% 0% 0%

38 1 5 0% 0% 0% 0%66 1 11 0% 2% 0% 0%

140 2 19 6% 3% 0% 0%186 4 34 16% 9% 2% 0%150 7 24 33% 24% 1% 0%114 11 72 20% 46% 19% 1%

55 21 170 2% 36% 42% 15%50 49 272 2% 10% 40% 48%47 3 55 17% 11% 3% 1%81 2 140 9% 6% 7% 4%

186 3 109 13% 11% 7% 1%82 2 72 8% 11% 5% 1%

119 4 144 10% 15% 6% 3%55 4 50 13% 10% 9% 1%87 3 131 8% 15% 7% 3%51 5 170 17% 17% 0% 5%99 5 272 13% 21% 7% 4%


Byassetsize


Byregion

N Median Maximum 6 - 9 10 - 19 20 - 49 50 or more

Note: Limited to credit unions that own or lease ATMs. **Insufficient data.



Table 4-23Surcharge Nonmembers on Owned or Leased ATMs

814 85% 15%1 100% 0%8 75% 25%

38 74% 26%71 77% 23%

141 86% 14%187 89% 11%148 86% 14%115 89% 11%

55 93% 7%50 90% 10%48 82% 18%81 82% 18%

193 90% 10%83 66% 34%

119 95% 5%56 90% 10%87 89% 11%49 84% 16%98 80% 20%


By asset size


By region

N Yes No

Note: Limited to credit unions that own or lease ATMs.

Table 4-24Nonmember Surcharge Fee on Owned or Leased ATMs

689 $1.50 $4.50 18% 39% 5% 30% 8%1 ** ** 0% 0% 100% 0% 0%6 $1.50 $2.50 17% 50% 0% 17% 17%

28 $1.75 $4.50 21% 29% 0% 39% 11%53 $1.50 $2.50 13% 49% 2% 28% 8%

119 $1.50 $3.00 17% 43% 3% 29% 8%163 $1.50 $3.00 23% 39% 6% 26% 6%126 $1.50 $3.50 23% 31% 3% 31% 12%

99 $1.50 $3.00 16% 38% 4% 34% 7%50 $1.90 $3.00 12% 32% 6% 40% 10%44 $1.73 $3.00 14% 34% 9% 39% 5%40 $1.50 $3.00 19% 35% 2% 36% 8%67 $1.50 $3.00 20% 45% 9% 25% 2%

172 $1.50 $4.50 20% 41% 7% 24% 9%54 $1.50 $3.00 22% 36% 1% 30% 11%

110 $1.50 $3.00 17% 37% 3% 36% 8%52 $2.00 $3.00 13% 23% 0% 43% 20%76 $1.50 $3.00 25% 34% 4% 32% 5%40 $1.50 $2.50 10% 45% 3% 32% 10%78 $1.50 $3.00 11% 47% 7% 29% 5%


Byassetsize


Byregion


$1.25 -$1.50

$1.55 -$1.95 $2.00

$2.15 ormore

Note: Limited to credit unions that surcharge nonmembers on owned or leased ATMs. **Insufficient data.



Table 4-25Number of Owned ATMs That Surcharge

549 4.0 272 20% 15% 13% 8% 7%3 2.0 3 33% 33% 33% 0% 0%

18 1.0 3 56% 17% 28% 0% 0%37 1.0 11 59% 19% 8% 5% 5%92 2.0 19 27% 28% 16% 11% 5%

137 3.2 25 11% 17% 23% 9% 13%99 7.0 177 3% 6% 8% 12% 14%81 11.0 36 1% 3% 3% 8% 3%41 20.8 170 2% 2% 0% 0% 0%41 43.4 272 0% 0% 2% 0% 0%34 2.9 46 28% 20% 14% 10% 0%54 2.0 140 25% 27% 10% 10% 6%

126 4.0 89 27% 11% 10% 8% 8%47 3.0 35 19% 24% 24% 2% 6%93 4.0 144 12% 10% 19% 10% 9%40 5.0 177 4% 23% 9% 11% 10%59 3.8 57 19% 14% 16% 10% 5%32 5.6 170 10% 18% 8% 0% 15%64 5.0 272 24% 9% 7% 8% 4%67 1.0 1 100% 0% 0% 0% 0%63 2.0 2 5% 95% 0% 0% 0%66 3.0 3 3% 6% 90% 0% 0%43 4.0 4 2% 2% 6% 90% 0%42 5.0 5 0% 2% 4% 4% 90%82 7.0 9 2% 5% 2% 2% 2%

106 12.0 177 1% 0% 0% 1% 1%52 25.7 49 0% 0% 0% 0% 0%26 54.7 272 0% 0% 0% 0% 0%


By assetsize


By region

123456-910-1920-4950 or more

By numberof ATMsCU ownsor leases

N Median Maximum 1 2 3 4 5

Note: Limited to credit unions that surcharge nonmembers on owned ATMs.

(Continued)



Table 4-25Number of Owned ATMs That Surcharge

(Continued)

549 4.0 272 12% 15% 7% 2%3 2.0 3 0% 0% 0% 0%

18 1.0 3 0% 0% 0% 0%37 1.0 11 0% 3% 0% 0%92 2.0 19 8% 4% 0% 0%

137 3.2 25 16% 9% 1% 0%99 7.0 177 30% 24% 1% 1%81 11.0 36 18% 50% 16% 0%41 20.8 170 5% 37% 44% 10%41 43.4 272 0% 10% 54% 34%34 2.9 46 18% 7% 4% 0%54 2.0 140 4% 6% 7% 5%

126 4.0 89 14% 13% 9% 1%47 3.0 35 5% 16% 6% 0%93 4.0 144 10% 19% 7% 4%40 5.0 177 19% 11% 9% 4%59 3.8 57 10% 16% 7% 1%32 5.6 170 25% 20% 2% 4%64 5.0 272 10% 25% 9% 3%67 1.0 1 0% 0% 0% 0%63 2.0 2 0% 0% 0% 0%66 3.0 3 0% 0% 0% 0%43 4.0 4 0% 0% 0% 0%42 5.0 5 0% 0% 0% 0%82 7.0 9 87% 0% 0% 0%

106 12.0 177 5% 92% 0% 1%52 25.7 49 0% 4% 96% 0%26 54.7 272 0% 5% 28% 67%


By assetsize


By region

123456-910-1920-4950 or more

By numberof ATMsCU ownsor leases

N Median Maximum 6 - 9 10 - 19 20 - 49 50 or more

Note: Limited to credit unions that surcharge nonmembers on owned ATMs.



Table 4-26Plan to Surcharge Nonmembers on Owned ATMs in Next 12 Months

98 4% 71% 25%1 0% 100% 0%8 0% 88% 13%

13 0% 77% 23%18 6% 72% 22%17 0% 71% 29%19 5% 53% 42%13 23% 54% 23%

4 0% 50% 50%5 0% 100% 0%7 0% 81% 19%

12 12% 77% 12%15 0% 61% 39%24 3% 66% 31%

4 16% 66% 18%4 0% 43% 57%8 0% 100% 0%8 11% 89% 0%

16 5% 65% 30%


Byassetsize


Byregion

N Yes NoDon'tknow

Limited to credit unions that own or lease ATMs but don't currently surchargenonmembers.



Table 5-1Offer an Online Remote Banking Product

1,339 64% 36%54 6% 94%

133 21% 79%178 48% 52%165 83% 17%207 92% 8%206 98% 2%158 99% 1%129 99% 1%

56 100% 0%53 100% 0%79 60% 40%

163 47% 53%298 68% 32%135 70% 30%190 66% 34%102 52% 48%139 61% 39%

84 74% 26%149 74% 26%


By asset size


By region*

N Yes No


Results Tables: Chapter 5 - Online Banking and Bill Payment


Table 5-2Charge Fee to Use Online Banking

1,006 1% 99%3 33% 67%

27 0% 100%84 2% 98%

130 0% 100%186 1% 99%194 1% 99%150 0% 100%124 0% 100%

55 2% 98%53 0% 100%60 0% 100%

102 1% 99%230 2% 98%109 0% 100%152 1% 99%

61 2% 98%97 2% 98%72 0% 100%

123 0% 100%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer online banking.

Table 5-3Charge Inactive User Fee for Online Banking

1,001 2% 98%3 0% 100%

27 0% 100%82 4% 96%

128 2% 98%185 2% 98%192 1% 99%152 3% 97%124 1% 99%55 5% 95%53 0% 100%60 2% 98%

103 1% 99%227 2% 98%109 1% 99%149 1% 99%62 6% 94%97 2% 98%71 0% 100%

123 3% 97%


By asset size


By region

N Yes No




Table 5-4Include Bill-Payment as Part of Online Banking Product

1,008 71% 29%3 0% 100%

28 29% 71%85 35% 65%

132 52% 48%185 76% 24%193 90% 10%150 97% 3%124 99% 1%

55 100% 0%53 100% 0%60 70% 30%

103 71% 29%231 64% 36%109 61% 39%150 77% 23%

63 78% 22%99 75% 25%71 74% 26%

122 83% 17%


By asset size


By region

N Yes No


Table 5-5Charge Additional Amount for Online Bill-Payment Service

780 21% 79%7 14% 86%

30 23% 77%66 27% 73%

138 20% 80%170 22% 78%142 22% 78%123 17% 83%

53 17% 83%51 18% 82%44 16% 84%81 16% 84%

171 18% 82%70 36% 64%

120 25% 75%52 26% 74%80 20% 80%57 14% 86%

105 17% 83%


By asset size


By region

N Yes No

Note: Limited to credit unions that include a bill-paying service as part of theironline banking product.



Table 5-6Monthly Fees for Online Bill-Payment

142 $5.00 $10.00 24% 4% 41% 31%1 ** ** 0% 0% 0% 100%7 $5.00 $6.00 0% 0% 57% 43%

14 $4.95 $6.00 36% 0% 50% 14%25 $5.00 $10.00 20% 0% 36% 44%33 $4.96 $7.95 27% 6% 45% 21%26 $4.95 $10.00 23% 8% 35% 35%20 $4.95 $9.95 25% 15% 30% 30%

7 $4.95 $4.99 29% 0% 71% 0%9 $5.24 $6.95 33% 11% 11% 44%7 $4.95 $5.95 24% 0% 65% 11%

14 $5.00 $10.00 15% 7% 37% 41%29 $5.00 $9.95 12% 6% 38% 44%19 $4.95 $7.00 33% 4% 44% 19%25 $5.00 $7.95 20% 3% 46% 31%11 $5.14 $6.00 30% 0% 24% 46%15 $4.96 $6.95 15% 5% 63% 18%

7 $4.61 $5.95 38% 12% 38% 12%15 $4.96 $6.95 45% 4% 11% 41%


Byassetsize


Byregion


$3.99 -$4.75 $5

More than$5

Note: Limited to credit unions that charge a monthly fee for online bill-payment.


Table 5-7Per-Transaction Fee for Online Bill-Payment

20 $.43 $.50 19% 33% 49%1 ** ** 100% 0% 0%4 $.50 $.50 25% 0% 75%2 $.39 $.40 0% 100% 0%2 $.47 $.50 0% 50% 50%4 $.50 $.50 0% 25% 75%5 $.42 $.50 20% 40% 40%2 ** ** 0% 50% 50%3 $.47 $.50 0% 29% 71%5 $.45 $.50 35% 16% 49%2 $.44 $.50 0% 49% 51%5 $.37 $.50 41% 29% 30%2 $.45 $.50 0% 49% 51%1 ** ** 0% 100% 0%2 $.50 $.50 0% 0% 100%

Overall$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$1B or more

Byassetsize

Middle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralWest South CentralPacific

Byregion


$0.35 -$0.40 $0.50

Note: Limited to credit unions that charge a per-transaction fee for online bill-payment.




Table 5-8Charge Inactive User Fee for Online Bill-Payment

750 13% 87%5 0% 100%

28 14% 86%60 15% 85%

135 12% 88%162 10% 90%139 19% 81%118 11% 89%

53 23% 77%50 8% 92%41 6% 94%79 11% 89%

164 21% 79%69 12% 88%

110 9% 91%48 13% 87%79 11% 89%56 10% 90%

104 16% 84%


By asset size


By region

N Yes No

Note: Limited to credit unions that provide bill-payment as part of their online banking product.

Table 5-9Inactive User Fee for Online Bill-Payment

97 $5.00 $10.00 21% 17% 34% 2% 8% 10% 9%4 $5.00 $6.00 25% 0% 50% 0% 0% 25% 0%9 $5.00 $5.00 22% 11% 67% 0% 0% 0% 0%

16 $5.00 $10.00 25% 19% 38% 0% 0% 6% 13%14 $5.00 $7.00 36% 0% 36% 0% 7% 21% 0%26 $5.22 $10.00 15% 19% 15% 8% 23% 4% 15%12 $5.00 $10.00 0% 17% 42% 0% 8% 25% 8%12 $4.95 $10.00 17% 42% 8% 0% 8% 8% 17%4 $6.15 $6.95 25% 25% 0% 0% 25% 25% 0%2 $5.32 $5.95 0% 0% 68% 0% 32% 0% 0%

10 $4.98 $10.00 10% 36% 28% 0% 9% 0% 17%26 $5.00 $10.00 34% 10% 34% 0% 0% 9% 12%8 $4.98 $5.95 16% 33% 34% 8% 8% 0% 0%

11 $5.44 $7.95 8% 17% 25% 0% 18% 32% 0%7 $5.95 $10.00 24% 0% 12% 12% 12% 27% 12%

10 $5.00 $6.00 18% 15% 50% 0% 8% 9% 0%5 $5.00 $5.95 0% 14% 72% 0% 14% 0% 0%

18 $5.00 $10.00 20% 20% 26% 0% 9% 10% 15%


Byassetsize


Byregion

N Median Maximum $1 - $4 $4.95 $5$5.25 -$5.65 $5.95

$6.00 -$7.95

$10 ormore

Note: Limited to credit unions that charge an inactive user fee for their online bill-payment service.



Table 5-10Charge Fee for Stop-Payment on Online Bill-Payment Service

748 65% 35%5 40% 60%

28 75% 25%61 62% 38%

132 58% 42%163 66% 34%139 66% 34%120 69% 31%

51 78% 22%49 71% 29%41 65% 35%79 62% 38%

160 66% 34%67 62% 38%

116 59% 41%48 68% 32%78 65% 35%56 61% 39%

103 75% 25%


By asset size


By region

N Yes No

Note: Limited to credit unions that include a bill-paying service as part of their online banking product.

Table 5-11Stop-Payment Fees for Online Bill-Payment

480 $20.00 $50.00 8% 17% 17%2 $15.00 $20.00 0% 50% 0%

21 $20.00 $35.00 5% 24% 14%38 $15.00 $35.00 18% 21% 13%75 $15.00 $35.00 13% 19% 21%97 $20.00 $50.00 4% 18% 20%91 $22.78 $38.00 5% 12% 14%82 $20.00 $32.00 2% 13% 18%40 $23.85 $30.00 10% 18% 15%34 $20.49 $41.00 0% 12% 21%28 $20.00 $30.00 12% 9% 26%51 $15.00 $50.00 15% 31% 15%98 $20.00 $35.00 12% 18% 17%43 $20.00 $35.00 0% 13% 20%67 $25.00 $38.00 2% 14% 13%32 $20.00 $32.00 5% 13% 7%49 $25.00 $40.00 6% 9% 9%35 $15.94 $35.00 7% 28% 18%77 $15.00 $32.50 12% 19% 28%


Byassetsize


Byregion

N Median Maximum $2 - $8 $10 - $13 $15 - $18

Note: Limited to credit unions that charge a stop-payment for their online bill-payment service.

(Continued)



Table 5-11Stop-Payment Fees for Online Bill-Payment

(Continued)

480 $20.00 $50.00 17% 25% 15%2 $15.00 $20.00 50% 0% 0%

21 $20.00 $35.00 24% 29% 5%38 $15.00 $35.00 26% 13% 8%75 $15.00 $35.00 15% 19% 13%97 $20.00 $50.00 14% 28% 16%91 $22.78 $38.00 15% 33% 20%82 $20.00 $32.00 18% 30% 17%40 $23.85 $30.00 5% 35% 18%34 $20.49 $41.00 21% 26% 21%28 $20.00 $30.00 17% 30% 6%51 $15.00 $50.00 18% 13% 8%98 $20.00 $35.00 15% 26% 11%43 $20.00 $35.00 36% 22% 9%67 $25.00 $38.00 15% 30% 27%32 $20.00 $32.00 29% 15% 30%49 $25.00 $40.00 17% 38% 20%35 $15.94 $35.00 16% 22% 9%77 $15.00 $32.50 6% 24% 11%


Byassetsize


Byregion

N Median Maximum $20 $21 - $25 $26 or more

Note: Limited to credit unions that charge a stop-payment for their online bill-payment service.



Table 6-1Offer Credit Cards

1,338 53% 47%54 6% 94%

133 23% 77%178 32% 68%165 56% 44%207 80% 20%206 86% 14%158 86% 14%129 90% 10%

56 89% 11%52 90% 10%79 39% 61%

163 44% 56%298 59% 41%135 48% 52%189 50% 50%102 46% 54%139 56% 44%

84 61% 39%149 63% 37%


By asset size


By region*

N Yes No


Results Tables: Chapter 6 - Credit Cards


Table 6-2Own Credit Card Portfolio

830 84% 16%3 33% 67%

30 57% 43%54 69% 31%86 87% 13%

157 87% 13%162 90% 10%131 85% 15%114 89% 11%

48 96% 4%45 98% 2%40 90% 10%92 88% 12%

201 83% 17%79 78% 22%

119 86% 14%56 83% 17%85 81% 19%58 74% 26%

100 93% 7%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer credit cards.

Table 6-3Number of Separate Credit Card Programs Offered

798 2.0 10.0 40% 31% 14% 8% 3% 3%2 1.5 2.0 50% 50% 0% 0% 0% 0%

23 1.0 3.0 65% 17% 17% 0% 0% 0%50 1.0 5.0 70% 24% 2% 2% 2% 0%77 1.0 5.0 53% 27% 10% 5% 4% 0%

153 2.0 6.0 48% 37% 10% 3% 1% 1%163 2.0 6.0 31% 37% 23% 6% 2% 1%127 2.0 10.0 26% 35% 18% 13% 3% 6%113 2.0 9.0 19% 32% 18% 14% 6% 11%46 4.0 8.0 7% 13% 22% 33% 15% 11%44 4.0 10.0 2% 14% 16% 27% 18% 23%37 1.0 8.0 57% 21% 12% 6% 2% 2%88 1.0 8.0 58% 22% 10% 4% 5% 1%

192 2.0 10.0 27% 42% 17% 10% 2% 2%75 1.0 8.0 53% 29% 8% 2% 5% 3%

115 2.0 7.0 42% 25% 19% 9% 3% 2%53 1.0 5.0 57% 21% 12% 6% 4% 0%85 2.0 10.0 20% 41% 16% 11% 6% 7%55 1.0 6.0 54% 28% 11% 2% 3% 2%98 2.0 9.0 37% 29% 15% 10% 3% 6%


Byassetsize


Byregion

N Median Maximum 1 2 3 4 56 or

more




Table 6-4Types of Credit Cards Offered

835 84% 52% 31%2 100% 50% 0%

24 92% 25% 13%55 85% 20% 22%90 88% 33% 24%

162 85% 46% 26%167 82% 64% 31%129 78% 67% 37%112 79% 79% 48%

49 84% 96% 55%45 80% 91% 71%39 88% 36% 20%94 75% 47% 19%

205 88% 57% 35%75 83% 46% 27%

120 76% 62% 28%56 81% 48% 18%89 89% 51% 61%56 90% 47% 20%

101 88% 56% 31%


Byassetsize


Byregion

NClassic credit

cardsPlatinum

credit cardsGold credit

cards

Table 6-5Charge Annual Credit Card Fee

666 7% 93% 277 5% 95% 468 4% 96%2 0% 100% 0 0% 0% 1 0% 100%

21 5% 95% 3 33% 67% 6 0% 100%47 11% 89% 12 0% 100% 11 0% 100%77 6% 94% 21 0% 100% 29 7% 93%

133 5% 95% 38 3% 97% 71 1% 99%132 7% 93% 50 2% 98% 102 6% 94%

96 10% 90% 44 9% 91% 83 4% 96%84 8% 92% 52 6% 94% 80 5% 95%41 2% 98% 27 15% 85% 46 4% 96%33 9% 91% 30 10% 90% 39 15% 85%33 15% 85% 10 26% 74% 16 11% 89%71 9% 91% 24 7% 93% 53 6% 94%

166 4% 96% 76 6% 94% 124 4% 96%57 7% 93% 20 0% 100% 34 5% 95%89 3% 97% 36 3% 97% 77 2% 98%43 5% 95% 12 8% 92% 28 3% 97%75 1% 99% 54 0% 100% 50 0% 100%49 9% 91% 11 17% 83% 27 4% 96%83 18% 82% 34 10% 90% 59 10% 90%


Byassetsize


Byregion

N Yes NoClassic credit cards

N Yes NoGold credit cards

N Yes NoPlatinum credit cards

Note: Limited to credit unions that offer the specified credit card.



Table 6-6Annual Credit Card Fees

39 $13.97 $55.00 15 $30.00 $99.00 21 $23.30 $50.001 ** ** 1 ** ** 0 ** **4 $12.50 $15.00 0 ** ** 0 ** **3 $12.00 $15.00 0 ** ** 1 ** **6 $13.50 $20.00 1 ** ** 1 ** **8 $15.00 $25.00 0 ** ** 6 $19.06 $35.008 $20.00 $55.00 4 $19.46 $35.00 3 $26.57 $29.006 $12.00 $25.00 3 $32.02 $35.00 4 $33.13 $35.000 ** ** 4 $33.46 $99.00 1 ** **3 $23.02 $25.00 2 ** $24.00 5 $33.69 $50.005 $16.11 $20.00 2 $32.06 $35.00 1 ** **3 $13.34 $15.00 2 $30.00 4 $14.81 $50.007 $15.00 $55.00 6 $24.62 $99.00 4 $18.39 $29.005 $15.29 $25.00 0 ** ** 2 $23.57 $25.001 ** ** 0 ** ** 1 ** **2 $10.89 $12.00 1 ** ** 1 ** **1 ** ** 0 ** ** 0 ** **3 $14.61 $25.00 1 ** ** 2 ** $25.00

12 $12.00 $25.00 3 $28.71 $35.00 6 $23.45 $50.00


Byassetsize


Byregion

N Median MaximumClassic credit cards

N Median MaximumGold credit cards

N Median MaximumPlatinum credit cards



Table 6-7Charge Late Payment Credit Card Fee

664 95% 5% 276 98% 2% 474 99% 1%2 100% 0% 0 0% 0% 1 100% 0%

20 75% 25% 2 100% 0% 5 80% 20%44 95% 5% 11 91% 9% 10 100% 0%76 93% 7% 20 95% 5% 29 100% 0%

134 94% 6% 39 100% 0% 73 99% 1%133 98% 2% 52 96% 4% 105 97% 3%

95 99% 1% 43 100% 0% 82 100% 0%85 98% 2% 52 98% 2% 83 99% 1%41 100% 0% 27 100% 0% 47 100% 0%34 100% 0% 30 100% 0% 39 100% 0%32 98% 2% 9 90% 10% 16 100% 0%69 94% 6% 23 100% 0% 52 100% 0%

165 96% 4% 74 97% 3% 125 99% 1%57 91% 9% 20 100% 0% 35 100% 0%89 98% 2% 38 100% 0% 78 100% 0%44 90% 10% 13 100% 0% 30 92% 8%74 97% 3% 53 96% 4% 50 98% 2%48 89% 11% 11 100% 0% 27 100% 0%86 96% 4% 35 100% 0% 61 96% 4%


Byassetsize


Byregion







Table 6-8Classic Credit Cards: Flat-Dollar Late-Payment Fee

567 $20.00 $39.00 6% 23% 18% 22% 21% 10%2 $15.00 $20.00 0% 50% 0% 50% 0% 0%

15 $20.00 $35.00 7% 20% 20% 13% 13% 27%39 $15.00 $39.00 10% 23% 21% 18% 23% 5%63 $15.00 $35.00 6% 33% 16% 22% 17% 5%

108 $18.25 $39.00 5% 24% 20% 22% 19% 10%116 $20.00 $30.00 7% 20% 14% 25% 32% 3%

89 $20.00 $39.00 6% 16% 17% 21% 20% 20%70 $18.50 $39.00 3% 20% 24% 21% 19% 13%36 $20.00 $39.00 6% 17% 19% 17% 22% 19%29 $20.00 $30.00 0% 14% 21% 38% 21% 7%28 $20.00 $35.00 11% 16% 10% 36% 21% 7%61 $20.00 $35.00 1% 34% 8% 30% 20% 7%

153 $20.00 $39.00 6% 17% 15% 25% 24% 12%46 $15.00 $25.00 7% 22% 42% 10% 19% 0%73 $20.00 $35.00 4% 30% 14% 15% 24% 13%36 $15.00 $35.00 6% 38% 14% 24% 4% 12%57 $20.00 $35.00 1% 17% 23% 27% 21% 10%40 $20.00 $39.00 4% 19% 16% 21% 20% 20%73 $15.00 $39.00 12% 26% 23% 15% 18% 6%23 $20.00 $34.00 3% 10% 32% 12% 18% 25%51 $20.00 $39.00 17% 13% 10% 40% 14% 6%

131 $18.70 $35.00 4% 26% 19% 23% 20% 8%47 $15.00 $35.00 0% 22% 30% 9% 35% 5%35 $20.00 $39.00 7% 19% 15% 23% 11% 25%38 $20.00 $39.00 6% 19% 19% 14% 30% 12%


By asset size


By region

1-4 days5-7 days10 days11-15 days16-25 days28 days or more

By number ofdays beforelate-paymentfee is charged

N Median Maximum$2.00 -$9.00 $10.00

$12.50 -$15.00

$16.00 -$20.00

$22.00 -$25.00

More than$25

Note: Limited to credit unions that offer Classic credit cards and charge a flat-dollar late-payment fee.



Table 6-9Gold Credit Cards: Flat-Dollar Late-Payment Fee

227 $20.00 $39.00 26% 16% 23% 22% 14%2 $19.50 $29.00 50% 0% 0% 0% 50%9 $20.00 $30.00 33% 11% 22% 22% 11%

14 $15.00 $29.00 36% 21% 21% 14% 7%29 $20.00 $35.00 28% 14% 28% 21% 10%44 $17.50 $30.00 34% 16% 23% 23% 5%40 $21.79 $35.00 20% 8% 23% 23% 28%41 $20.00 $35.00 22% 20% 15% 29% 15%23 $21.38 $39.00 9% 26% 17% 26% 22%25 $20.00 $30.00 12% 20% 40% 20% 8%

7 $20.00 $35.00 0% 27% 40% 10% 23%20 $20.00 $30.00 17% 18% 22% 26% 17%68 $20.00 $39.00 24% 16% 20% 20% 20%14 $15.00 $25.00 38% 31% 21% 10% 0%32 $20.00 $30.00 26% 11% 18% 29% 16%11 $10.00 $35.00 60% 6% 17% 9% 8%37 $20.00 $30.00 17% 19% 33% 25% 6%10 $20.00 $29.00 25% 8% 31% 16% 19%28 $19.27 $35.00 37% 11% 16% 29% 7%

9 $22.38 $30.00 21% 12% 18% 24% 25%20 $16.68 $30.00 35% 16% 30% 14% 4%47 $20.00 $35.00 19% 26% 24% 18% 13%25 $20.00 $35.00 22% 18% 18% 31% 12%12 $26.03 $39.00 16% 8% 6% 24% 47%16 $18.39 $35.00 34% 15% 24% 20% 8%


By asset size


By region




$12.50 -$15.00

$17.00 -$20.00

$22.00 -$25.00

More than$25

Note: Limited to credit unions that offer Gold credit cards and charge a flat-dollar late-payment fee.



Table 6-10Platinum Credit Cards: Flat-Dollar Late-Payment Fee

427 $20.00 $40.00 20% 17% 22% 28% 13%1 ** ** 0% 0% 100% 0% 0%4 $22.00 $29.00 25% 25% 0% 0% 50%

10 $25.00 $35.00 10% 10% 10% 60% 10%27 $20.00 $29.00 30% 15% 26% 26% 4%61 $20.00 $40.00 25% 20% 21% 25% 10%95 $20.00 $35.00 18% 17% 21% 39% 5%80 $25.00 $39.00 15% 16% 18% 25% 26%73 $20.00 $39.00 18% 16% 22% 27% 16%42 $20.00 $39.00 21% 19% 17% 24% 19%34 $20.00 $30.00 9% 21% 35% 24% 12%16 $20.00 $35.00 27% 0% 32% 26% 15%48 $20.00 $30.00 22% 19% 16% 36% 6%

119 $25.00 $40.00 12% 12% 24% 32% 19%28 $16.50 $28.00 19% 32% 22% 21% 6%70 $20.00 $35.00 24% 13% 24% 26% 13%26 $20.00 $35.00 18% 15% 27% 31% 9%41 $20.00 $35.00 24% 18% 19% 27% 12%26 $19.72 $39.00 22% 15% 26% 21% 16%53 $15.00 $35.00 25% 33% 11% 23% 8%15 $25.00 $34.00 10% 6% 15% 34% 35%41 $20.00 $39.00 18% 16% 23% 35% 8%89 $20.00 $40.00 25% 18% 17% 28% 12%48 $20.00 $35.00 17% 21% 17% 35% 10%24 $20.00 $39.00 15% 27% 13% 23% 23%26 $20.00 $35.00 21% 23% 10% 32% 14%


By asset size


By region




$12.50 -$15.00

$16.00 -$20.00

$24.00 -$25.00

More than$25

Note: Limited to credit unions that offer Platinum credit cards and charge a flat-dollar late-payment fee.




Table 6-11Classic Credit Cards: Percentage Assessed as Late-Payment Fee

89 5.0% 20.0% 23% 60% 10% 8%2 5.0% 5.0% 0% 100% 0% 0%9 5.0% 6.0% 33% 56% 11% 0%

19 5.0% 20.0% 37% 42% 11% 11%19 5.0% 15.0% 0% 79% 11% 11%10 5.0% 15.0% 40% 30% 20% 10%16 5.0% 20.0% 6% 75% 6% 13%8 5.0% 5.0% 25% 75% 0% 0%6 5.0% 10.0% 0% 83% 17% 0%4 5.0% 10.0% 0% 77% 23% 0%5 5.0% 5.0% 35% 65% 0% 0%3 6.7% 10.0% 0% 68% 32% 0%6 5.0% 10.0% 0% 70% 30% 0%

18 5.0% 20.0% 32% 51% 12% 4%8 5.0% 15.0% 0% 80% 8% 12%

18 5.0% 15.0% 26% 68% 0% 6%8 5.0% 20.0% 19% 60% 0% 20%

19 5.0% 20.0% 29% 41% 17% 12%2 7.9% 10.0% 0% 0% 100% 0%

11 5.0% 20.0% 31% 39% 0% 30%31 5.0% 20.0% 17% 73% 5% 5%20 5.0% 10.0% 20% 69% 11% 0%6 5.0% 15.0% 14% 71% 0% 15%

10 5.0% 10.0% 42% 36% 21% 0%


By asset size


By region



N Median Maximum1% -4% 5%

6% -10%

15% -20%

Note: Limited to credit unions that offer Classic credit cards and charge a percentage of payment due late-payment fee.



Table 6-12Gold Credit Cards: Percentage Assessed as Late-Payment Fee

47 5.0% 20.0% 22% 58% 21%1 ** ** 0% 100% 0%5 5.0% 6.0% 40% 40% 20%9 5.0% 20.0% 33% 33% 33%7 5.0% 15.0% 0% 86% 14%3 7.0% 10.0% 33% 33% 33%

10 5.0% 20.0% 0% 80% 20%6 5.0% 5.0% 33% 67% 0%6 5.0% 10.0% 0% 83% 17%1 5.0% 5.0% 0% 100% 0%3 4.2% 5.0% 36% 64% 0%1 10.0% 10.0% 0% 0% 100%4 5.0% 10.0% 0% 74% 26%7 4.7% 5.0% 47% 53% 0%5 6.6% 15.0% 0% 63% 37%

16 5.0% 15.0% 23% 69% 8%1 20.0% 20.0% 0% 0% 100%9 5.6% 20.0% 17% 32% 51%6 5.0% 20.0% 40% 21% 39%

17 5.0% 20.0% 19% 62% 19%14 5.0% 20.0% 0% 72% 28%3 4.3% 5.0% 35% 65% 0%4 3.0% 5.0% 66% 34% 0%


By asset size


By region

5-7 days10 days11-16 days20-28 days30 days or more



6% -20%

Note: Limited to credit unions that offer Gold credit cards and charge a percentage of payment due late-payment fee.




Table 6-13Platinum Credit Cards: Percentage Assessed as Late-Payment Fee

58 5.0% 50.0% 23% 58% 20%2 4.0% 5.0% 50% 50% 0%

12 5.0% 20.0% 42% 25% 33%11 5.0% 39.0% 9% 64% 27%

4 5.0% 5.0% 0% 100% 0%12 5.0% 50.0% 0% 92% 8%11 5.0% 39.0% 27% 64% 9%

6 5.0% 10.0% 0% 83% 17%2 5.0% 5.0% 0% 100% 0%5 8.3% 39.0% 40% 20% 40%4 5.0% 39.0% 25% 49% 26%7 5.0% 10.0% 0% 87% 13%

11 5.0% 15.0% 13% 60% 27%3 6.6% 10.0% 0% 73% 27%9 5.0% 50.0% 42% 37% 21%3 3.4% 5.0% 50% 50% 0%

14 5.0% 20.0% 20% 68% 13%5 9.5% 20.0% 38% 13% 49%

16 5.0% 5.0% 27% 73% 0%18 5.0% 50.0% 11% 81% 9%

5 5.0% 5.0% 17% 83% 0%8 5.0% 39.0% 27% 36% 37%

Overall$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

By asset size


By region

5-7 days10 days12-15 days20-25 days26 days or more



10% ormore

Note: Limited to credit unions that offer Platinum credit cards and charge a percentage of payment due late-payment fee.



Table 6-14Classic Credit Cards: Days After Due Date When Charge Late-Payment Fee

379 10.0 40.0 5% 15% 42% 15% 10% 13%5 10.0 20.0 0% 20% 60% 0% 20% 0%

24 10.0 31.0 0% 8% 50% 13% 8% 21%40 10.0 35.0 0% 15% 40% 23% 10% 13%75 10.0 40.0 8% 17% 45% 11% 7% 12%76 10.0 30.0 5% 22% 34% 13% 9% 16%57 10.0 31.0 11% 14% 40% 12% 14% 9%51 10.0 33.0 6% 12% 39% 18% 12% 14%30 10.0 30.0 3% 7% 53% 17% 13% 7%21 15.0 30.0 14% 10% 10% 52% 5% 10%21 12.5 30.0 4% 18% 29% 18% 14% 18%41 10.0 31.0 5% 25% 37% 10% 18% 5%77 10.0 35.0 6% 23% 32% 8% 5% 25%36 11.3 31.0 6% 4% 41% 32% 10% 8%53 10.0 40.0 0% 16% 41% 13% 12% 18%28 10.0 25.0 8% 26% 54% 7% 5% 0%48 10.0 30.0 7% 7% 49% 19% 7% 11%26 10.0 31.0 9% 9% 52% 6% 22% 3%49 10.0 30.0 7% 6% 49% 26% 4% 8%19 9.4 31.0 4% 44% 29% 0% 12% 11%64 10.0 35.0 3% 10% 53% 14% 9% 11%63 10.0 31.0 10% 9% 40% 21% 8% 12%71 10.0 31.0 4% 29% 44% 6% 11% 8%71 10.0 35.0 5% 10% 40% 22% 5% 17%37 10.0 31.0 15% 9% 31% 6% 24% 14%15 12.6 30.0 0% 21% 29% 21% 4% 25%51 10.0 30.0 0% 10% 47% 27% 8% 8%

8 14.4 40.0 27% 0% 18% 26% 0% 28%6 7.0 20.0 0% 61% 26% 0% 13% 0%


By asset size


By region

$2 - $9$10$12.50 - $15$16 - $20$22 - $25More than $25

By flat-dollarlate fee

1% - 4%5%6% - 10%15% - 20%

By percentageof paymentdue late fee

N Median Maximum1 - 4days

5 - 7days 10 days

11 - 15days

16 - 25days

More than 25days

Note: Limited to credit unions that offer Classic credit cards and charge a late-payment fee.



Table 6-15Gold Credit Cards: Days After Due Date When Charge Late-Payment Fee

163 10.0 35.0 4% 15% 39% 21% 7% 14%8 10.0 31.0 0% 13% 50% 13% 0% 25%

11 15.0 30.0 0% 18% 27% 27% 0% 27%21 10.0 31.0 0% 24% 52% 10% 5% 10%26 10.0 30.0 4% 23% 31% 12% 8% 23%31 10.0 31.0 6% 13% 39% 23% 10% 10%28 10.0 35.0 7% 7% 43% 21% 11% 11%20 10.0 25.0 5% 5% 45% 30% 15% 0%18 14.9 30.0 17% 11% 6% 56% 6% 6%

6 10.9 30.0 0% 0% 61% 11% 0% 28%15 10.0 31.0 5% 37% 35% 5% 13% 6%36 10.0 35.0 7% 13% 34% 15% 8% 23%11 10.9 31.0 0% 16% 38% 22% 9% 15%21 12.5 30.0 0% 28% 19% 22% 15% 16%11 10.0 15.0 8% 19% 52% 21% 0% 0%36 10.0 30.0 4% 9% 48% 20% 4% 16%

6 10.0 15.0 11% 0% 59% 30% 0% 0%21 10.1 25.0 4% 12% 37% 43% 4% 0%29 10.0 35.0 5% 25% 31% 15% 6% 19%24 10.0 30.0 3% 14% 54% 15% 3% 10%28 10.0 31.0 4% 23% 43% 13% 2% 14%28 10.0 31.0 6% 12% 35% 25% 10% 13%20 12.4 30.0 10% 5% 36% 14% 28% 8%

8 10.0 30.0 0% 31% 30% 0% 8% 31%27 12.2 30.0 0% 7% 42% 38% 6% 7%

9 10.0 15.0 0% 31% 31% 38% 0% 0%


By asset size


By region

$5 - $10$12.50 - $15$17 - $20$22 - $25More than $25


2% - 4%5%6% - 20%

By percentageof payment duelate fee


5 - 7days 10 days

11 - 16days

20-28days

More than28 days

Note: Limited to credit unions that offer Gold credit cards and charge a late-payment fee.



Table 6-16Platinum Credit Cards: Days After Due Date When Charge Late-Payment Fee

273 10.0 40.0 5% 16% 37% 21% 9% 13%1 ** ** 0% 0% 100% 0% 0% 0%5 10.0 15.0 0% 20% 60% 20% 0% 0%

15 15.0 30.0 0% 13% 27% 27% 20% 13%42 10.0 40.0 7% 17% 40% 17% 2% 17%57 10.0 30.0 2% 25% 35% 18% 7% 14%45 10.0 31.0 11% 16% 33% 18% 13% 9%51 10.0 35.0 6% 14% 35% 20% 14% 12%34 10.0 35.0 3% 6% 47% 24% 12% 9%23 15.0 31.0 9% 13% 9% 48% 9% 13%9 10.0 30.0 0% 31% 32% 19% 10% 8%

30 10.0 35.0 2% 17% 45% 25% 6% 6%63 10.0 35.0 6% 18% 27% 16% 13% 20%22 15.0 30.0 11% 11% 23% 32% 7% 16%47 10.0 40.0 0% 15% 42% 16% 13% 14%19 10.0 30.0 5% 16% 48% 12% 5% 15%31 10.0 30.0 8% 17% 37% 20% 8% 11%13 10.0 31.0 18% 13% 43% 0% 20% 6%39 10.0 30.0 4% 13% 40% 36% 2% 4%44 10.0 30.0 3% 15% 48% 17% 7% 11%45 10.0 35.0 2% 14% 37% 22% 13% 13%44 10.0 31.0 5% 23% 39% 19% 7% 6%74 10.0 35.0 7% 19% 35% 22% 7% 11%36 10.0 31.0 15% 10% 34% 15% 15% 11%9 10.0 30.0 0% 22% 35% 15% 7% 21%

36 15.0 30.0 0% 3% 34% 41% 13% 10%7 16.4 40.0 0% 40% 0% 18% 0% 42%


By asset size


By region

$5 - $10$12.50 - $15$16 - $20$24 - $25More than $25


1% - 4%5%10% or more

By percentageof payment duelate fee


5 - 7days 10 days

11 - 16days

20-28days

More than28 days

Note: Limited to credit unions that offer Platinum credit cards and charge a late-payment fee. **Insufficient data.

Table 6-17Increase Interest Rate as a Penalty for Late Payments

829 17% 83%3 0% 100%

22 5% 95%54 9% 91%89 10% 90%

163 14% 86%165 19% 81%127 31% 69%112 27% 73%49 22% 78%45 29% 71%39 22% 78%94 7% 93%

200 19% 81%75 19% 81%

121 18% 82%55 16% 84%88 18% 82%58 17% 83%99 16% 84%


By asset size


By region

N Yes No




Table 6-18Number of Late Payments Before Increase Interest Rate

161 22% 49% 21% 9%1 0% 0% 100% 0%4 0% 25% 50% 25%9 0% 78% 11% 11%

22 23% 36% 23% 18%29 34% 48% 14% 3%40 23% 50% 23% 5%29 28% 59% 14% 0%13 31% 38% 23% 8%14 7% 57% 21% 14%10 24% 52% 6% 17%

8 34% 47% 8% 11%46 32% 31% 28% 8%15 10% 47% 25% 19%21 19% 62% 12% 7%11 8% 59% 33% 0%19 21% 46% 25% 8%11 21% 79% 0% 0%20 9% 59% 23% 10%


Byassetsize


Byregion

N 1 2 3 More than 3

Note: Limited to credit unions that offer credit cards and increase interest rates as a penalty for late payments.

Table 6-19Charge Over-Credit-Limit Credit Card Fee

655 84% 16% 272 87% 13% 464 85% 15%2 50% 50% 0 0% 0% 1 0% 100%

20 70% 30% 2 50% 50% 5 80% 20%46 89% 11% 11 91% 9% 10 100% 0%75 87% 13% 20 90% 10% 27 85% 15%

133 84% 16% 38 89% 11% 72 83% 17%130 82% 18% 50 84% 16% 103 86% 14%

92 80% 20% 43 86% 14% 80 88% 13%82 87% 13% 51 86% 14% 80 85% 15%41 88% 12% 27 85% 15% 47 89% 11%34 85% 15% 30 90% 10% 39 90% 10%32 67% 33% 9 78% 22% 16 94% 6%68 92% 8% 23 92% 8% 49 88% 12%

160 80% 20% 73 82% 18% 121 79% 21%57 77% 23% 20 85% 15% 35 81% 19%88 91% 9% 38 91% 9% 77 89% 11%44 72% 28% 13 80% 20% 30 74% 26%72 90% 10% 51 88% 12% 48 90% 10%48 83% 17% 10 100% 0% 27 97% 3%86 88% 12% 35 90% 10% 61 87% 13%


Byassetsize


Byregion







Table 6-20Classic Credit Cards: Flat-Dollar Over-Credit-Limit Fee

525 $15.00 $39.00 3% 32% 16% 19% 21% 9%1 ** ** 0% 100% 0% 0% 0% 0%

13 $20.00 $30.00 0% 31% 8% 15% 15% 31%39 $15.00 $30.00 3% 33% 15% 15% 31% 3%65 $15.00 $39.00 8% 42% 11% 17% 18% 5%

100 $15.00 $35.00 1% 34% 21% 18% 20% 6%103 $18.38 $30.00 3% 31% 16% 19% 27% 4%

71 $20.00 $39.00 3% 18% 14% 27% 20% 18%69 $18.45 $35.00 1% 22% 25% 20% 20% 12%36 $20.00 $39.00 3% 22% 17% 17% 22% 19%28 $19.00 $30.00 0% 29% 18% 29% 11% 14%20 $19.37 $30.00 8% 22% 14% 35% 15% 6%59 $20.00 $30.00 0% 38% 10% 24% 23% 5%

120 $20.00 $39.00 2% 27% 12% 21% 26% 12%40 $15.00 $29.00 5% 24% 35% 14% 20% 2%79 $15.00 $30.00 2% 35% 16% 16% 25% 6%33 $10.00 $35.00 5% 51% 18% 7% 9% 11%63 $20.00 $35.00 3% 28% 15% 23% 19% 11%40 $20.00 $30.00 0% 30% 15% 20% 19% 16%71 $15.00 $35.00 5% 38% 23% 11% 18% 4%


Byassetsize


Byregion

N Median Maximum $1 - $9 $10$12 -$15

$17 -$20

$22 -$25

Morethan $25

Note: Limited to credit unions that offer Classic credit cards and charge a flat-dollar over-credit-limit fee.


Table 6-21Gold Credit Cards: Flat-Dollar Over-Credit-Limit Fee

223 $20.00 $39.00 4% 28% 16% 18% 21% 12%1 ** ** 0% 0% 0% 0% 0% 100%

10 $22.50 $30.00 10% 20% 0% 20% 40% 10%18 $15.00 $29.00 6% 39% 22% 22% 6% 6%27 $15.00 $27.00 7% 41% 15% 11% 22% 4%39 $15.00 $30.00 5% 31% 18% 15% 23% 8%37 $21.10 $39.00 0% 19% 8% 24% 22% 27%42 $20.00 $35.00 2% 19% 21% 21% 24% 12%23 $21.38 $35.00 0% 17% 22% 13% 30% 17%26 $19.00 $30.00 0% 27% 19% 27% 12% 15%

7 $20.00 $30.00 0% 0% 27% 48% 15% 10%20 $24.10 $29.00 0% 16% 21% 10% 44% 9%54 $20.00 $39.00 0% 29% 16% 15% 19% 20%14 $15.00 $25.00 16% 22% 21% 21% 20% 0%34 $16.37 $30.00 2% 36% 13% 18% 21% 10%11 $13.45 $35.00 0% 47% 34% 0% 0% 19%43 $17.26 $30.00 5% 31% 13% 23% 18% 9%10 $20.00 $29.00 0% 16% 25% 23% 17% 19%30 $20.00 $35.00 12% 25% 8% 18% 29% 9%


Byassetsize


Byregion

N Median Maximum $1 - $9 $10$12 -$15

$17 -$20

$22 -$25

More than$25

Note: Limited to credit unions that offer Gold credit cards and charge a flat-dollar over-credit-limit fee.




Table 6-22Platinum Credit Cards: Flat-Dollar Over-Credit-Limit Fee

383 $20.00 $39.00 2% 21% 15% 22% 26% 13%4 $19.50 $29.00 0% 50% 0% 0% 0% 50%9 $25.00 $35.00 0% 0% 11% 22% 56% 11%

21 $20.00 $39.00 5% 24% 19% 24% 19% 10%55 $20.00 $29.00 2% 25% 18% 22% 25% 7%86 $20.00 $39.00 1% 23% 14% 20% 35% 7%67 $20.00 $39.00 3% 12% 13% 27% 22% 22%66 $20.00 $35.00 0% 21% 15% 21% 26% 17%41 $20.00 $39.00 2% 20% 17% 15% 27% 20%34 $20.00 $39.00 0% 24% 12% 32% 15% 18%13 $21.94 $30.00 0% 30% 0% 21% 36% 13%41 $20.00 $29.00 4% 15% 18% 18% 41% 4%95 $25.00 $39.00 1% 13% 9% 23% 31% 23%26 $20.00 $35.00 0% 12% 30% 29% 17% 12%68 $20.00 $35.00 1% 22% 16% 25% 24% 12%21 $19.83 $35.00 4% 24% 19% 15% 27% 12%42 $16.58 $35.00 2% 35% 13% 20% 16% 13%25 $19.77 $39.00 0% 26% 16% 24% 22% 13%52 $15.00 $35.00 3% 31% 20% 17% 22% 7%


Byassetsize


Byregion

N Median Maximum $1 - $9 $10$12 -$15

$17 -$20

$22 -$25

More than$25

Note: Limited to credit unions that offer Platinum credit cards and charge a flat-dollar over-credit-limit fee.

Table 6-23Charge Cash-Advance Credit Card Fee

657 23% 77% 272 22% 78% 465 27% 73%2 50% 50% 0 0% 0% 1 100% 0%

19 26% 74% 2 0% 100% 3 0% 100%45 29% 71% 11 18% 82% 9 56% 44%76 25% 75% 21 19% 81% 28 18% 82%

132 16% 84% 37 19% 81% 71 20% 80%133 20% 80% 52 17% 83% 106 25% 75%

92 22% 78% 41 29% 71% 79 30% 70%83 27% 73% 51 25% 75% 82 30% 70%41 34% 66% 27 37% 63% 47 34% 66%34 24% 76% 30 20% 80% 39 28% 72%31 21% 79% 9 38% 62% 16 36% 64%68 11% 89% 23 19% 81% 49 15% 85%

162 25% 75% 73 19% 81% 121 30% 70%56 34% 66% 20 35% 65% 35 33% 67%89 15% 85% 38 25% 75% 79 22% 78%44 20% 80% 13 30% 70% 29 22% 78%73 19% 81% 52 15% 85% 50 32% 68%49 19% 81% 11 24% 76% 27 26% 74%85 37% 63% 33 29% 71% 59 28% 72%


Byassetsize


Byregion







Table 6-24Classic Credit Cards: Flat-Dollar Cash Advance Fees

75 $3.00 $30.00 54% 20% 27%1 ** ** 100% 0% 0%4 $11.25 $25.00 50% 0% 50%8 $1.75 $25.00 75% 13% 13%

13 $3.00 $15.00 54% 31% 15%9 $3.00 $20.00 56% 22% 22%

14 $7.50 $25.00 36% 14% 50%11 $5.00 $30.00 36% 27% 36%

9 $4.55 $25.00 44% 22% 33%3 $5.42 $10.00 67% 0% 33%3 $18.91 $25.00 0% 67% 33%3 $22.24 $25.00 33% 0% 67%3 $1.00 $5.00 80% 20% 0%

20 $2.40 $30.00 61% 10% 29%6 $2.00 $25.00 81% 0% 19%8 $5.00 $25.00 40% 50% 10%8 $2.42 $5.00 64% 36% 0%6 $10.00 $25.00 21% 19% 61%8 $5.00 $15.00 39% 41% 21%

13 $3.80 $25.00 51% 15% 34%


Byassetsize


Byregion


Note: Limited to credit unions that offer the specified credit card and charge a cash advance fee.


Table 6-25Gold Credit Cards: Flat-Dollar Cash Advance Fees

30 $5.00 $30.00 42% 17% 41%2 $15.00 $25.00 0% 50% 50%3 $1.00 $15.00 67% 0% 33%2 $11.00 $20.00 50% 0% 50%5 $11.56 $25.00 40% 0% 60%6 $9.46 $30.00 33% 17% 50%6 $4.00 $25.00 50% 33% 17%3 $5.42 $10.00 67% 0% 33%3 $18.91 $25.00 0% 67% 33%1 ** ** 100% 0% 0%3 $3.73 $5.00 73% 27% 0%5 $11.92 $30.00 28% 0% 72%2 $18.89 $25.00 36% 0% 64%6 $3.35 $25.00 58% 28% 14%3 $3.02 $5.00 68% 32% 0%4 $15.00 $25.00 0% 31% 69%2 $13.35 $15.00 47% 0% 53%4 $6.73 $25.00 45% 16% 39%


Byassetsize


Byregion






Table 6-26Platinum Credit Cards: Flat-Dollar Cash Advance Fees

45 $5.00 $30.00 42% 29% 28%1 ** ** 100% 0% 0%2 $2.25 $3.00 100% 0% 0%3 $5.00 $15.00 0% 67% 33%1 ** ** 0% 100% 0%

13 $5.00 $25.00 31% 31% 38%8 $7.50 $30.00 25% 25% 50%9 $4.55 $20.00 44% 22% 33%4 $2.85 $10.00 75% 0% 25%4 $8.91 $25.00 0% 75% 25%2 $20.56 $25.00 50% 0% 50%3 $2.92 $5.00 80% 20% 0%

15 $2.67 $30.00 53% 21% 26%3 $4.10 $5.00 36% 64% 0%7 $5.00 $25.00 29% 43% 28%5 $3.44 $5.00 60% 40% 0%2 $18.53 $25.00 0% 0% 100%4 $5.00 $10.00 19% 61% 20%4 $18.70 $25.00 0% 21% 79%

OverallLess than $2M$5M-$10M$10M-$20M$20M-$50M$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

Byassetsize


Byregion






Table 6-27Classic Credit Cards: Percent of Cash Advance Fees

80 2.00% 21.00% 10% 41% 36% 12%1 ** ** 0% 0% 0% 100%3 2.00% 3.00% 33% 33% 33% 0%7 3.00% 14.99% 0% 43% 43% 14%

12 2.00% 13.98% 0% 58% 33% 8%14 2.75% 9.50% 7% 36% 50% 7%11 2.61% 15.99% 9% 36% 36% 18%16 3.00% 13.00% 19% 25% 44% 13%11 2.00% 11.90% 27% 36% 27% 9%5 2.00% 2.00% 20% 80% 0% 0%5 2.00% 3.00% 13% 69% 18% 0%3 7.18% 14.99% 0% 16% 40% 44%

18 3.00% 21.00% 4% 17% 57% 23%9 2.00% 13.00% 14% 47% 23% 16%7 2.85% 13.98% 0% 43% 35% 22%3 2.36% 3.00% 0% 65% 35% 0%7 2.00% 3.00% 0% 64% 36% 0%6 1.50% 3.00% 67% 16% 16% 0%

22 2.00% 10.90% 11% 51% 34% 4%


Byassetsize


Byregion

N Median Maximum 1% - 1.5% 2% 2.5% - 3%More than

3%



Table 6-28Gold Credit Cards: Percent of Cash Advance Fees

31 2.00% 15.99% 17% 36% 27% 20%1 ** ** 0% 0% 100% 0%3 2.00% 8.64% 0% 67% 0% 33%3 5.49% 11.00% 0% 33% 33% 33%7 2.39% 15.99% 29% 29% 14% 29%7 2.78% 10.90% 29% 14% 43% 14%7 2.20% 10.90% 14% 43% 29% 14%3 1.85% 2.00% 33% 67% 0% 0%3 1.53% 2.00% 70% 30% 0% 0%

10 3.00% 15.99% 10% 10% 50% 30%3 3.00% 11.00% 0% 0% 74% 26%3 5.33% 8.64% 0% 50% 0% 50%2 2.00% 2.00% 0% 100% 0% 0%3 2.00% 3.00% 0% 79% 21% 0%2 1.50% 1.50% 100% 0% 0% 0%5 2.00% 10.90% 20% 59% 0% 20%


Byassetsize

New EnglandEast North CentralWest North CentralSouth AtlanticEast South CentralWest South CentralMountainPacific

Byregion


3%





Table 6-29Platinum Credit Cards: Percent of Cash Advance Fees

88 3.00% 15.99% 12% 34% 44% 10%3 2.00% 3.00% 33% 33% 33% 0%2 3.50% 5.00% 0% 50% 0% 50%

12 2.50% 8.64% 8% 42% 42% 8%15 2.90% 3.00% 13% 27% 60% 0%19 2.78% 15.99% 11% 37% 37% 16%17 3.00% 13.00% 6% 18% 65% 12%12 2.50% 9.90% 25% 25% 42% 8%8 2.00% 3.00% 13% 63% 25% 0%5 1.80% 3.00% 39% 39% 22% 0%4 2.50% 3.00% 0% 47% 53% 0%

22 3.00% 15.99% 4% 23% 54% 19%8 2.95% 13.00% 0% 42% 38% 20%

13 3.00% 8.64% 11% 24% 53% 12%4 2.25% 3.00% 39% 19% 41% 0%

11 2.00% 3.00% 7% 53% 40% 0%7 1.59% 3.00% 60% 14% 25% 0%

14 2.09% 10.90% 7% 47% 39% 6%


Byassetsize


Byregion


3%


Table 6-30Grace Period for Repayment of Balances

649 89% 11% 270 93% 7% 456 93% 7%2 100% 0% 0 ** ** 1 100% 0%

19 79% 21% 2 100% 0% 5 60% 40%43 77% 23% 10 60% 40% 9 89% 11%75 91% 9% 20 95% 5% 27 96% 4%

131 92% 8% 38 97% 3% 70 93% 7%133 89% 11% 51 92% 8% 102 91% 9%

90 88% 12% 42 93% 7% 77 91% 9%83 94% 6% 51 96% 4% 81 99% 1%41 95% 5% 27 93% 7% 47 94% 6%32 91% 9% 29 90% 10% 37 92% 8%32 89% 11% 8 92% 8% 15 96% 4%69 95% 5% 23 100% 0% 50 95% 5%

162 94% 6% 73 94% 6% 120 94% 6%55 90% 10% 19 92% 8% 34 98% 2%88 89% 11% 37 98% 2% 76 92% 8%42 81% 19% 13 88% 12% 30 90% 10%71 80% 20% 51 85% 15% 46 86% 14%46 94% 6% 11 92% 8% 26 100% 0%84 85% 15% 35 96% 4% 59 90% 10%


Byassetsize


Byregion








Table 6-31Classic Credit Cards: Number of Days in Grace Period for Repayment of Balances

558 25.0 35.0 4% 7% 4% 6% 67% 13%2 26.5 28.0 0% 0% 0% 0% 50% 50%

13 25.0 30.0 8% 8% 0% 15% 54% 15%33 25.0 30.0 3% 12% 0% 9% 55% 21%66 25.0 30.0 2% 5% 9% 5% 58% 23%

110 25.0 35.0 6% 10% 4% 7% 61% 12%114 25.0 30.0 4% 6% 3% 3% 72% 12%

77 25.0 30.0 3% 4% 3% 5% 81% 5%76 25.0 30.0 1% 5% 4% 7% 78% 5%39 25.0 30.0 3% 3% 3% 3% 87% 3%28 25.0 25.0 0% 4% 0% 0% 96% 0%26 25.0 30.0 5% 5% 9% 11% 61% 8%64 25.0 30.0 3% 3% 2% 3% 68% 20%

147 25.0 35.0 7% 7% 3% 7% 63% 13%49 25.0 30.0 4% 5% 0% 9% 67% 14%77 25.0 30.0 1% 9% 5% 6% 64% 15%34 25.0 30.0 0% 0% 9% 2% 72% 17%54 25.0 30.0 3% 9% 5% 5% 65% 13%41 25.0 30.0 4% 14% 0% 4% 64% 15%66 25.0 30.0 1% 5% 5% 2% 83% 4%


Byassetsize


Byregion

N Median Maximum 5 - 7 days 10 days15 - 17days

20 - 24days 25 days

More than25 days

Note: Limited to credit unions that offer Classic credit cards and have a grace period for repayment of balances.

Table 6-32Gold Credit Cards: Number of Days in Grace Period for Repayment of Balances

238 25.0 36.0 3% 9% 4% 7% 68% 8%2 26.0 27.0 0% 0% 0% 0% 50% 50%6 25.0 30.0 0% 33% 0% 0% 50% 17%

19 25.0 30.0 0% 5% 5% 11% 63% 16%32 25.0 30.0 6% 19% 6% 13% 53% 3%44 25.0 30.0 5% 5% 5% 5% 70% 11%37 25.0 30.0 5% 0% 3% 8% 73% 11%48 25.0 30.0 2% 8% 4% 4% 77% 4%25 25.0 36.0 4% 4% 4% 4% 80% 4%25 25.0 25.0 0% 4% 0% 0% 96% 0%

6 21.9 25.0 14% 28% 0% 0% 57% 0%22 25.0 30.0 9% 13% 0% 0% 74% 4%66 25.0 36.0 3% 0% 5% 12% 69% 11%17 25.0 25.0 0% 9% 0% 29% 62% 0%35 25.0 30.0 3% 21% 5% 5% 52% 15%10 25.0 28.0 0% 0% 0% 0% 89% 11%40 25.0 30.0 4% 10% 6% 2% 67% 11%10 25.0 28.0 0% 33% 0% 0% 59% 8%32 25.0 25.0 3% 0% 8% 0% 89% 0%


Byassetsize


Byregion


20 - 24days 25 days

More than25 days

Note: Limited to credit unions that offer Gold credit cards and have a grace period for repayment of balances.



Table 6-33Platinum Credit Cards: Number of Days in Grace Period for Repayment of Balances

411 25.0 45.0 4% 8% 4% 6% 67% 10%1 ** ** 0% 0% 0% 0% 0% 100%3 25.0 25.0 0% 0% 0% 0% 100% 0%6 25.0 25.0 17% 17% 0% 0% 67% 0%

25 25.0 30.0 0% 16% 8% 8% 56% 12%60 25.0 45.0 7% 12% 2% 8% 57% 15%90 25.0 30.0 4% 7% 8% 6% 67% 9%69 25.0 30.0 4% 7% 3% 7% 70% 9%80 25.0 30.0 3% 6% 3% 6% 78% 5%44 25.0 28.0 2% 2% 2% 5% 84% 5%33 25.0 30.0 3% 3% 0% 6% 82% 6%13 25.0 25.0 20% 6% 7% 6% 60% 0%45 25.0 30.0 2% 12% 4% 2% 69% 12%

109 25.0 45.0 3% 9% 2% 8% 63% 14%33 25.0 30.0 5% 7% 5% 14% 57% 12%71 25.0 30.0 2% 9% 4% 5% 69% 11%27 25.0 30.0 9% 3% 12% 3% 59% 15%36 25.0 30.0 10% 12% 3% 7% 64% 5%26 25.0 30.0 0% 15% 0% 3% 74% 8%51 25.0 30.0 2% 0% 4% 5% 86% 4%


Byassetsize


Byregion


20 - 24days 25 days

More than25 days

Note: Limited to credit unions that offer Platinum credit cards and have a grace period for repayment of balances.


Table 6-34Offer Balance Transfer Promotions

670 47% 53% 283 53% 47% 478 67% 33%2 50% 50% 0 ** ** 1 100% 0%

19 21% 79% 2 0% 100% 5 40% 60%46 28% 72% 11 27% 73% 10 80% 20%77 36% 64% 22 41% 59% 29 52% 48%

136 47% 53% 42 55% 45% 72 61% 39%133 51% 49% 51 53% 47% 104 71% 29%

96 60% 40% 45 60% 40% 84 71% 29%86 58% 42% 52 62% 38% 86 67% 33%41 63% 37% 27 59% 41% 47 72% 28%34 71% 29% 31 68% 32% 40 75% 25%32 34% 66% 8 70% 30% 16 70% 30%70 51% 49% 23 77% 23% 51 70% 30%

166 54% 46% 75 60% 40% 126 74% 26%61 35% 65% 22 44% 56% 39 59% 41%89 53% 47% 38 52% 48% 80 62% 38%42 48% 52% 13 56% 44% 30 74% 26%76 50% 50% 55 49% 51% 50 69% 31%48 22% 78% 12 13% 87% 25 55% 45%86 44% 56% 37 49% 51% 61 55% 45%


Byassetsize


Byregion




Note: Limited to credit unions that offer the specified card.




Table 6-35Charge a Balance-Transfer Fee

336 4% 96% 158 5% 95% 326 6% 94%1 0% 100% 0 ** ** 1 0% 100%4 25% 75% 0 ** ** 2 50% 50%

13 8% 92% 3 0% 100% 8 13% 88%28 0% 100% 9 0% 100% 15 0% 100%64 3% 97% 23 13% 87% 44 5% 95%68 1% 99% 27 0% 100% 74 7% 93%58 7% 93% 27 11% 89% 60 10% 90%50 6% 94% 32 3% 97% 58 7% 93%26 4% 96% 16 0% 100% 34 3% 97%24 4% 96% 21 0% 100% 30 7% 93%12 7% 93% 5 17% 83% 10 15% 85%39 1% 99% 17 10% 90% 35 11% 89%94 6% 94% 44 7% 93% 92 7% 93%25 6% 94% 11 0% 100% 26 6% 94%50 5% 95% 22 4% 96% 53 8% 92%21 0% 100% 7 0% 100% 23 0% 100%41 5% 95% 31 5% 95% 36 7% 93%12 0% 100% 2 0% 100% 15 0% 100%42 0% 100% 19 0% 100% 36 3% 97%


Byassetsize


Byregion




Note: Limited to credit unions that offer balance transfer promotions on the specified card.


Table 6-36Offer Rewards

662 21% 79% 278 35% 65% 479 51% 49%2 0% 100% 0 ** ** 1 0% 100%

18 6% 94% 2 50% 50% 4 0% 100%46 7% 93% 11 18% 82% 10 50% 50%76 14% 86% 22 18% 82% 29 24% 76%

133 23% 77% 40 43% 58% 74 49% 51%133 23% 77% 50 26% 74% 106 54% 46%

95 35% 65% 44 45% 55% 84 58% 42%86 22% 78% 53 28% 72% 86 58% 42%40 40% 60% 26 50% 50% 46 70% 30%33 36% 64% 30 47% 53% 39 72% 28%33 26% 74% 9 78% 22% 16 63% 37%68 21% 79% 23 57% 43% 51 64% 36%

163 23% 77% 74 37% 63% 125 44% 56%61 22% 78% 22 44% 56% 39 48% 52%88 19% 81% 37 22% 78% 79 49% 51%40 20% 80% 12 24% 76% 29 69% 31%76 18% 82% 55 16% 84% 51 50% 50%48 19% 81% 11 62% 38% 26 49% 51%85 23% 77% 35 41% 59% 63 52% 48%


Byassetsize


Byregion








Table 6-37Charge a Fee for Rewards

157 2% 98% 99 4% 96% 264 2% 98%1 0% 100% 1 0% 100% 0 ** **3 0% 100% 2 0% 100% 5 0% 100%

11 0% 100% 4 0% 100% 7 0% 100%31 0% 100% 17 0% 100% 36 0% 100%31 3% 97% 13 0% 100% 57 2% 98%33 3% 97% 20 10% 90% 49 8% 92%19 0% 100% 15 0% 100% 50 0% 100%16 6% 94% 13 8% 92% 32 3% 97%12 8% 92% 14 14% 86% 28 4% 96%

9 0% 100% 7 0% 100% 9 0% 100%18 0% 100% 12 0% 100% 32 0% 100%43 4% 96% 29 5% 95% 62 3% 97%13 0% 100% 8 0% 100% 20 4% 96%17 0% 100% 9 0% 100% 44 4% 96%10 0% 100% 3 0% 100% 20 0% 100%18 9% 91% 12 8% 92% 28 3% 97%10 0% 100% 6 0% 100% 14 0% 100%19 0% 100% 13 10% 90% 35 2% 98%


Byassetsize


Byregion




Note: Limited to credit unions that offer rewards in conjunction with specified card.




Table 7-1Offer First Mortgage Loans

1,320 45% 55%53 4% 96%

131 13% 87%175 22% 78%164 38% 62%202 61% 39%204 83% 17%156 91% 9%127 94% 6%

56 93% 7%52 100% 0%78 35% 65%

162 36% 64%295 48% 52%133 44% 56%185 47% 53%100 44% 56%137 35% 65%

83 54% 46%147 55% 45%


By asset size


By region*

N Yes No


Results Tables: Chapter 7 - Lending


Table 7-2Flat-Dollar Closing Costs for First Mortgage Loans

483 $1,200 $9,772 18% 26% 9% 16% 9% 8% 8% 6%1 ** ** 0% 100% 0% 0% 0% 0% 0% 0%7 $450 $900 57% 43% 0% 0% 0% 0% 0% 0%

21 $800 $3,500 29% 33% 5% 10% 10% 10% 5% 0%33 $1,000 $4,000 30% 27% 12% 12% 3% 12% 0% 3%73 $1,000 $4,000 21% 34% 5% 18% 8% 7% 5% 1%98 $1,500 $7,500 11% 27% 11% 23% 9% 8% 8% 2%93 $1,484 $5,000 15% 18% 17% 13% 11% 8% 12% 6%81 $1,822 $8,500 10% 14% 9% 22% 6% 7% 20% 12%36 $2,000 $9,772 8% 22% 3% 8% 19% 6% 14% 19%40 $2,400 $6,456 8% 8% 8% 13% 15% 20% 8% 23%33 $1,592 $4,100 16% 6% 13% 32% 16% 7% 3% 7%39 $1,500 $9,772 12% 22% 8% 19% 8% 0% 10% 21%

129 $1,000 $3,200 24% 35% 15% 13% 5% 5% 1% 0%50 $1,500 $4,000 14% 28% 5% 21% 10% 11% 8% 3%64 $1,500 $5,000 8% 34% 5% 14% 11% 4% 15% 9%39 $1,000 $4,300 24% 30% 2% 13% 14% 9% 6% 2%35 $1,542 $7,200 4% 18% 12% 20% 13% 9% 16% 8%33 $1,000 $4,800 34% 21% 7% 7% 2% 20% 5% 4%61 $2,000 $6,000 15% 11% 7% 14% 6% 15% 21% 10%


Byassetsize


Byregion

N Median Maximum$250 -$500

$550 -$1,000

$1,040 -$1,499

$1,500 -$1,999

$2,000 -$2,400

$2,500 -$2,900

$3,000 -$3,750

$4,000 ormore

Note: Limited to credit unions that offer first mortgage loans.


Table 7-3Charge Loan Application Fee for First Mortgage Loans

733 37% 60% 2%2 50% 50% 0%

14 36% 57% 7%37 41% 54% 5%59 36% 63% 2%

118 36% 62% 3%160 37% 62% 1%133 37% 59% 5%114 37% 62% 1%

49 35% 63% 2%47 57% 43% 0%41 44% 56% 0%77 39% 55% 7%

177 41% 58% 1%69 28% 69% 3%

109 49% 48% 3%55 35% 65% 0%64 31% 65% 4%52 30% 68% 2%89 31% 66% 3%


By assetsize


By region

N Yes No Don't know

Note: Limited to credit unions that offer first mortgage loans.



Table 7-4Flat-Dollar Application Fee for First Mortgage Loans

230 $150.00 $1,395.00 12% 9% 11% 12% 8%1 ** ** 100% 0% 0% 0% 0%3 $25.00 $200.00 67% 0% 0% 0% 0%

12 $100.00 $275.00 17% 8% 17% 25% 8%17 $100.00 $500.00 12% 24% 6% 12% 12%34 $200.00 $500.00 6% 9% 9% 18% 3%48 $104.06 $1,000.00 10% 13% 10% 17% 10%43 $250.00 $495.00 14% 2% 14% 5% 9%32 $250.00 $1,395.00 3% 0% 16% 9% 9%14 $271.16 $836.00 0% 7% 14% 7% 14%26 $212.50 $995.00 4% 8% 15% 4% 15%15 $260.34 $375.00 0% 0% 0% 7% 13%29 $250.00 $500.00 3% 3% 3% 15% 9%68 $150.00 $836.00 7% 19% 4% 12% 11%14 $272.53 $500.00 0% 0% 14% 5% 9%38 $100.00 $500.00 21% 10% 13% 15% 6%15 $62.75 $500.00 44% 5% 9% 11% 9%16 $75.00 $300.00 15% 0% 63% 5% 5%13 $117.36 $995.00 21% 7% 0% 26% 6%22 $222.92 $1,395.00 8% 3% 16% 13% 3%


Byassetsize


Byregion

N Median Maximum $10 - $45 $50 $55 - $90 $100$105 -$150

Note: Limited to credit unions that offer first mortgage loans and charge a flat-dollar application fee.**Insufficient data.

(Continued)

Table 7-4Flat-Dollar Application Fee for First Mortgage Loans

(Continued)

230 $150.00 $1,395.00 18% 8% 7% 14%1 ** ** 0% 0% 0% 0%3 $25.00 $200.00 33% 0% 0% 0%

12 $100.00 $275.00 17% 8% 0% 0%17 $100.00 $500.00 12% 6% 0% 18%34 $200.00 $500.00 29% 6% 6% 15%48 $104.06 $1,000.00 17% 6% 6% 10%43 $250.00 $495.00 9% 19% 16% 12%32 $250.00 $1,395.00 19% 6% 13% 25%14 $271.16 $836.00 7% 14% 14% 21%26 $212.50 $995.00 19% 12% 4% 19%15 $260.34 $375.00 31% 30% 6% 12%29 $250.00 $500.00 31% 0% 14% 22%68 $150.00 $836.00 15% 13% 12% 8%14 $272.53 $500.00 24% 3% 5% 39%38 $100.00 $500.00 15% 6% 6% 10%15 $62.75 $500.00 9% 9% 0% 5%16 $75.00 $300.00 5% 5% 0% 0%13 $117.36 $995.00 20% 0% 0% 21%22 $222.92 $1,395.00 21% 8% 0% 29%


Byassetsize


Byregion

N Median Maximum $175 - $250$260 -$300 $325 - $350

More than$350

Note: Limited to credit unions that offer first mortgage loans and charge a flat-dollar application fee.




Table 7-5Offer Skip-a-Payment Option on Member Loans

1,295 33% 67%51 4% 96%

126 17% 83%169 32% 68%160 31% 69%199 47% 53%203 51% 49%154 55% 45%126 55% 45%

55 47% 53%52 54% 46%76 21% 79%

159 19% 81%291 33% 67%128 30% 70%183 33% 67%

97 36% 64%135 41% 59%

80 47% 53%146 49% 51%


By asset size


By region

N Yes No

Table 7-6Skip-A-Payment Fee

431 $25.00 $75.00 19% 11% 46% 1% 9% 14%2 $13.50 $25.00 50% 0% 50% 0% 0% 0%

18 $25.00 $35.00 22% 17% 39% 0% 11% 11%44 $25.00 $35.00 25% 7% 48% 2% 14% 5%39 $25.00 $35.00 21% 15% 51% 3% 5% 5%76 $25.00 $50.00 17% 16% 42% 0% 4% 21%83 $25.00 $60.00 17% 12% 36% 2% 16% 17%67 $25.00 $50.00 13% 6% 54% 0% 9% 18%60 $25.00 $75.00 12% 10% 40% 0% 15% 23%23 $25.00 $35.00 13% 9% 65% 0% 4% 9%19 $25.00 $60.00 21% 0% 63% 0% 5% 11%13 $25.00 $50.00 20% 0% 54% 0% 20% 6%35 $25.00 $50.00 4% 2% 47% 0% 20% 27%

103 $25.00 $50.00 12% 8% 53% 2% 8% 17%37 $25.00 $50.00 19% 24% 33% 0% 6% 18%57 $25.00 $50.00 17% 13% 49% 0% 6% 15%38 $25.00 $60.00 23% 16% 32% 2% 14% 14%50 $25.00 $35.00 38% 5% 42% 3% 4% 8%34 $25.00 $50.00 22% 14% 35% 0% 14% 14%64 $25.00 $75.00 17% 17% 52% 0% 6% 8%


Byassetsize


Byregion


$20 $20 $25$26 -$29 $30

Morethan $30

Note: Limited to credit unions that offer a skip-a-payment option on member loans.



Table 7-7Offer Member Business Loans

1,334 17% 83%54 2% 98%

132 2% 98%178 6% 94%165 5% 95%206 17% 83%205 33% 67%158 45% 55%128 59% 41%

56 70% 30%52 77% 23%79 17% 83%

163 13% 87%298 18% 82%134 24% 76%189 13% 87%100 11% 89%139 13% 87%

84 22% 78%148 25% 75%


By asset size


By region

N Yes No

Table 7-8Charge Loan Application Fee for Member Business Loans

341 27% 64% 9%1 0% 100% 0%2 0% 100% 0%

10 30% 60% 10%9 22% 67% 11%

34 35% 56% 9%65 18% 66% 15%70 30% 56% 14%73 21% 73% 7%38 32% 66% 3%39 38% 59% 3%22 24% 71% 5%33 41% 48% 12%82 22% 62% 16%48 10% 73% 17%37 46% 50% 4%18 24% 76% 0%27 26% 71% 3%25 37% 59% 4%49 25% 71% 4%


By assetsize


By region

N Yes NoDon'tknow



Table 7-9Flat-Dollar Application Fee for Member Business Loans

47 $100.00 $250.00 16% 42% 10% 32%3 $100.00 $250.00 0% 67% 0% 33%6 $70.00 $250.00 33% 33% 0% 33%6 $175.00 $250.00 17% 33% 0% 50%

14 $100.00 $250.00 14% 57% 7% 21%7 $130.58 $250.00 14% 43% 29% 14%7 $170.46 $250.00 14% 29% 14% 43%4 $219.83 $250.00 0% 0% 50% 50%4 $119.38 $250.00 0% 80% 0% 20%7 $214.80 $250.00 0% 40% 10% 51%8 $163.21 $250.00 0% 55% 11% 34%4 $89.68 $250.00 40% 40% 0% 21%8 $88.00 $250.00 9% 46% 19% 26%3 $86.89 $100.00 0% 100% 0% 0%3 $48.75 $75.00 74% 26% 0% 0%4 $228.84 $250.00 20% 0% 20% 60%6 $207.09 $250.00 36% 0% 12% 52%


Byassetsize


Byregion

N Median Maximum$15 -$50

$65 -$135

$150 -$225 $250

Note: Limited to credit unions that offer member business loans and charge a flat-dollar application fee.

Table 7-10Waive Application Fee for Member Business Loans Over a Certain Size

66 5% 95%2 0% 100%2 0% 100%8 0% 100%8 0% 100%

16 6% 94%13 8% 92%

8 13% 88%9 11% 89%5 0% 100%

10 0% 100%16 11% 89%

4 0% 100%9 0% 100%3 0% 100%5 0% 100%6 0% 100%8 23% 77%


By asset size


By region

N Yes No

Note: Limited to credit unions that offer member business loans and charge an application fee.



Table 7-11Charge Commitment Fees for Fixed-Term Member Business Loans

337 10% 76% 14%1 0% 100% 0%2 0% 100% 0%

10 0% 90% 10%9 0% 78% 22%

34 0% 82% 18%64 5% 77% 19%68 9% 74% 18%73 19% 70% 11%38 26% 68% 5%38 18% 76% 5%22 15% 77% 8%34 12% 76% 11%81 14% 69% 17%48 7% 71% 22%36 9% 75% 17%18 5% 95% 0%27 3% 77% 19%24 0% 93% 7%47 14% 80% 5%


Byassetsize


Byregion

N Yes No Don't know

Note: Limited to credit unions that offer member business loans.

Table 7-12Percent of Member Business Loan Amount Charged as Commitment Fee

28 1% 17% 38% 47% 7% 8%1 ** ** 0% 0% 0% 100%5 1% 1% 60% 40% 0% 0%

11 1% 5% 27% 55% 9% 9%7 1% 2% 29% 57% 14% 0%4 1% 1% 75% 25% 0% 0%4 1% 1% 21% 79% 0% 0%2 1% 1% 0% 100% 0% 0%9 1% 5% 67% 11% 11% 11%3 7% 17% 0% 65% 0% 35%3 1% 1% 33% 67% 0% 0%1 1% 1% 100% 0% 0% 0%6 1% 2% 26% 55% 19% 0%

Overall$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

Byassetsize

New EnglandMiddle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralPacific

Byregion


1% 1% 2%More than

2%

Note: Limited to credit unions that charge a commitment fee as a percent of the fixed-term member business loan amount.




Table 7-13Charge Commitment Fees for Member Business Lines of Credit

338 11% 76% 13%1 0% 100% 0%2 0% 100% 0%

10 0% 90% 10%9 0% 78% 22%

34 0% 88% 12%65 6% 77% 17%68 12% 69% 19%73 19% 68% 12%38 29% 66% 5%38 21% 74% 5%22 15% 77% 8%34 15% 74% 11%81 13% 69% 18%48 7% 74% 19%37 15% 69% 16%18 5% 95% 0%27 10% 77% 13%24 0% 93% 7%47 14% 80% 5%


Byassetsize


Byregion

N Yes No Don't know

Note: Limited to credit unions that offer member business loans.

Table 7-14Percent of Member Business Line-of-Credit Charged as Commitment Fee

31 1% 17% 32% 58% 3% 7%3 6% 17% 0% 67% 0% 33%5 1% 1% 60% 40% 0% 0%

11 1% 5% 27% 55% 9% 9%7 1% 1% 29% 71% 0% 0%5 1% 1% 40% 60% 0% 0%4 1% 1% 21% 79% 0% 0%3 1% 1% 0% 100% 0% 0%9 1% 5% 56% 22% 11% 11%3 7% 17% 0% 65% 0% 35%4 1% 1% 26% 74% 0% 0%1 1% 1% 100% 0% 0% 0%2 1% 1% 0% 100% 0% 0%5 1% 1% 38% 62% 0% 0%

Overall$50M-$100M$100M-$200M$200M-$500M$500M-$1B$1B or more

Byassetsize

New EnglandMiddle AtlanticEast North CentralWest North CentralSouth AtlanticEast South CentralWest South CentralPacific

Byregion


1% 1% 2%More than

2%

Note: Limited to credit unions that charge a commitment fee as a percent of the member business line-of-credit amount.



Table 7-15Offer Commercial Real Estate Loans

1,333 13% 87%54 0% 100%

132 0% 100%178 4% 96%165 4% 96%206 10% 90%205 23% 77%158 37% 63%128 52% 48%

56 61% 39%51 65% 35%79 14% 86%

163 9% 91%298 15% 85%134 19% 81%189 9% 91%100 6% 94%139 8% 92%

84 22% 78%147 16% 84%


By asset size


By region

N Yes No

Table 7-16Charge Commitment Fees for Commercial Real Estate Loans

267 23% 62% 15%8 0% 100% 0%6 17% 83% 0%

20 15% 60% 25%45 9% 71% 20%56 16% 66% 18%66 27% 55% 18%33 52% 45% 3%33 52% 45% 3%19 28% 52% 21%27 39% 58% 3%67 23% 59% 19%38 6% 72% 22%28 36% 51% 13%11 26% 65% 9%19 28% 62% 10%24 13% 69% 18%34 28% 67% 5%


By asset size


By region

N Yes No Don't know

Note: Limited to credit unions that offer commercial real estate loans.



Table 7-17Percent of Commercial Real Estate Loan Amount Charged as Commitment Fee

50 1% 5% 28% 66% 4% 2%1 ** ** 0% 100% 0% 0%2 1% 1% 50% 50% 0% 0%3 1% 1% 33% 67% 0% 0%7 1% 1% 29% 71% 0% 0%

13 1% 5% 23% 62% 8% 8%11 1% 2% 27% 64% 9% 0%13 1% 1% 31% 69% 0% 0%

5 1% 1% 17% 83% 0% 0%8 1% 1% 10% 90% 0% 0%

12 1% 5% 39% 46% 7% 7%3 1% 1% 0% 100% 0% 0%7 1% 1% 51% 49% 0% 0%2 ** 1% 57% 43% 0% 0%4 1% 1% 0% 100% 0% 0%2 1% 1% 27% 73% 0% 0%7 1% 2% 26% 58% 16% 0%


Byassetsize


Byregion


1% 1% 2%More than

2%

Note: Limited to credit unions that charge a commitment fee as a percent of the commercial real estate loan amount.


Table 7-18Charge Draw Inspection Fees for Commercial Construction Loans

265 17% 65% 18%8 0% 100% 0%5 20% 80% 0%

20 5% 75% 20%46 13% 65% 22%57 21% 53% 26%65 17% 63% 20%33 30% 64% 6%31 29% 58% 13%19 29% 55% 16%25 24% 60% 16%68 17% 62% 21%39 2% 79% 19%28 25% 51% 24%10 29% 64% 8%19 19% 71% 10%24 10% 76% 14%33 21% 65% 14%


Byassetsize


Byregion

N Yes No Don't know




Table 7-19Flat-Dollar Draw Inspection Fee for Commercial Construction Loans

36 $100.00 $500.00 16% 22% 20% 10% 31%1 ** ** 0% 100% 0% 0% 0%1 ** ** 0% 100% 0% 0% 0%4 $70.28 $100.00 50% 25% 25% 0% 0%

11 $130.89 $500.00 9% 18% 18% 9% 45%9 $130.58 $150.00 33% 0% 11% 11% 44%6 $121.16 $250.00 0% 17% 33% 17% 33%4 $168.96 $350.00 0% 0% 50% 25% 25%6 $98.94 $350.00 0% 36% 34% 0% 30%4 $101.25 $125.00 52% 0% 20% 28% 0%9 $139.56 $500.00 12% 12% 20% 0% 56%1 $25.00 $25.00 100% 0% 0% 0% 0%4 $75.00 $75.00 32% 68% 0% 0% 0%3 $137.99 $150.00 0% 37% 0% 27% 36%3 $175.48 $250.00 0% 0% 33% 32% 35%2 $143.48 $150.00 0% 0% 52% 0% 48%4 $137.03 $150.00 0% 0% 26% 25% 49%


Byassetsize


Byregion


$75 $75 $100 $125More than

$125

Note: Limited to credit unions that charge a flat-dollar draw inspection fee on commercial construction loans.


Table 7-20Charge Payoff Processing Fee for Commercial Real Estate Loans

268 6% 82% 12%8 0% 100% 0%6 17% 83% 0%

20 0% 90% 10%45 4% 78% 18%57 9% 74% 18%66 5% 79% 17%33 6% 88% 6%33 9% 85% 6%19 0% 89% 11%27 6% 80% 14%68 11% 71% 18%38 4% 85% 11%28 2% 86% 12%11 0% 100% 0%19 0% 90% 10%24 3% 86% 11%34 8% 84% 8%


Byassetsize


Byregion

N Yes No Don't know




Table 8-1Charge Membership Fee

1,333 35% 65%54 41% 59%

129 47% 53%176 45% 55%164 32% 68%207 31% 69%207 22% 78%159 22% 78%128 23% 77%

56 27% 73%53 38% 62%77 16% 84%

163 33% 67%297 21% 79%136 13% 87%189 48% 52%100 50% 50%139 54% 46%

85 37% 63%147 55% 45%


By assetsize


By region*

N Yes No


Results Tables: Chapter 8 - Other Fees


Table 8-2Membership Fee

413 $1.00 $50.00 12% 3% 39% 3% 1%21 $1.00 $10.00 19% 10% 38% 0% 5%60 $1.00 $25.00 15% 2% 38% 8% 0%74 $1.00 $25.00 15% 0% 47% 0% 3%51 $1.00 $25.00 8% 2% 45% 2% 0%64 $1.50 $25.00 8% 2% 41% 6% 0%44 $5.00 $50.00 9% 0% 34% 0% 2%35 $5.00 $10.00 0% 0% 37% 0% 0%29 $5.00 $25.00 10% 0% 17% 3% 0%15 $5.00 $35.00 0% 0% 27% 0% 0%20 $5.00 $25.00 5% 0% 15% 0% 0%6 $5.00 $5.00 34% 0% 9% 0% 0%

46 $1.00 $25.00 20% 2% 61% 2% 2%56 $1.00 $25.00 17% 8% 35% 2% 2%15 $1.00 $25.00 28% 0% 48% 0% 0%81 $2.00 $25.00 13% 0% 36% 5% 0%44 $1.00 $25.00 8% 2% 51% 3% 8%62 $1.00 $10.00 7% 6% 41% 0% 1%30 $5.00 $25.00 8% 0% 19% 13% 0%73 $5.00 $50.00 0% 0% 30% 2% 0%


Byassetsize


Byregion

N Median Maximum $0.25 $0.50 $1 $2 $2.50

Note: Limited to credit unions that charge new members a one-time fee to join the credit union.

(Continued)

Table 8-2Membership Fee

(Continued)

413 $1.00 $50.00 2% 28% 1% 6% 5%21 $1.00 $10.00 0% 19% 5% 5% 0%60 $1.00 $25.00 2% 22% 0% 5% 8%74 $1.00 $25.00 0% 28% 1% 3% 3%51 $1.00 $25.00 0% 27% 0% 8% 8%64 $1.50 $25.00 5% 33% 0% 3% 3%44 $5.00 $50.00 2% 36% 0% 7% 9%35 $5.00 $10.00 9% 37% 0% 17% 0%29 $5.00 $25.00 0% 41% 0% 21% 7%15 $5.00 $35.00 7% 33% 0% 27% 7%20 $5.00 $25.00 0% 50% 0% 15% 15%6 $5.00 $5.00 0% 57% 0% 0% 0%

46 $1.00 $25.00 5% 5% 0% 1% 3%56 $1.00 $25.00 2% 25% 2% 6% 2%15 $1.00 $25.00 0% 11% 0% 6% 6%81 $2.00 $25.00 0% 30% 0% 11% 5%44 $1.00 $25.00 0% 17% 0% 7% 5%62 $1.00 $10.00 4% 39% 0% 2% 0%30 $5.00 $25.00 2% 36% 0% 12% 10%73 $5.00 $50.00 0% 44% 6% 8% 11%


Byassetsize


Byregion

N Median Maximum $3 $5 $6-$9 $10 $15 or more

Note: Limited to credit unions that charge new members a one-time fee to join the credit union.



Table 8-3Cashier's Check (for Members)

1,325 39% 22% 39% 626 $2.00 $75.00 9 $1.58 $10.0053 2% 15% 83% 1 ** ** 0 ** **

130 16% 17% 67% 21 $2.00 $75.00 0 ** **177 27% 24% 49% 46 $2.00 $50.00 0 ** **163 39% 26% 34% 61 $2.00 $15.00 1 ** **205 53% 27% 20% 102 $2.00 $7.50 4 $.88 $2.00205 68% 21% 10% 138 $2.00 $15.00 2 $2.00 $2.00158 65% 25% 9% 101 $2.61 $10.00 2 $4.49 $5.00127 71% 20% 9% 87 $3.00 $8.00 0 ** **

56 71% 23% 5% 38 $3.00 $10.00 0 ** **51 65% 25% 10% 31 $3.00 $5.00 0 ** **78 31% 43% 26% 33 $2.00 $10.00 1 ** **

162 22% 26% 51% 53 $2.00 $10.00 1 ** **297 43% 24% 33% 153 $2.00 $75.00 2 $1.40 $2.00134 48% 16% 37% 75 $2.00 $50.00 1 ** **187 31% 18% 51% 75 $3.00 $10.00 1 ** **

98 38% 14% 47% 47 $2.25 $5.00 1 ** **138 43% 15% 42% 69 $3.00 $10.00 2 $5.33 $10.00

84 52% 20% 28% 50 $2.00 $5.00 0 ** **147 45% 28% 27% 71 $3.00 $6.00 0 ** **


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median MaximumFee per check

N Median MaximumFee per $100

**Insufficient data

Table 8-4Certified Check

1,317 18% 11% 71% 289 $3.00 $20.0053 0% 2% 98% 0 ** **

130 7% 9% 84% 9 $3.00 $10.00174 10% 13% 77% 16 $2.50 $10.00161 19% 14% 66% 29 $3.00 $20.00204 26% 14% 60% 53 $2.00 $15.00205 30% 11% 59% 61 $3.00 $20.00158 33% 12% 55% 50 $4.50 $20.00126 34% 13% 52% 40 $3.00 $20.00

56 34% 20% 46% 19 $3.41 $15.0050 26% 22% 52% 12 $3.20 $15.0077 14% 8% 77% 15 $5.00 $20.00

162 25% 14% 60% 57 $5.00 $20.00293 18% 12% 70% 63 $3.00 $20.00134 16% 8% 76% 27 $2.00 $10.00186 14% 15% 70% 36 $3.00 $15.00

98 18% 11% 72% 23 $3.00 $5.00138 15% 6% 79% 25 $2.34 $5.00

84 23% 9% 69% 22 $1.95 $5.00145 16% 11% 73% 21 $3.00 $10.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumCheck fee per check

**Insufficient data



Table 8-5Money Orders

1,323 51% 2% 47% 777 $1.00 $5.00 17 $1.00 $1.5054 13% 0% 87% 6 $.75 $1.00 0 ** **

130 25% 2% 73% 30 $1.00 $2.00 1 ** **175 39% 1% 59% 66 $1.00 $5.00 2 $.75 $1.00162 58% 2% 40% 91 $1.00 $3.00 0 ** **205 66% 2% 32% 131 $1.00 $3.00 1 ** **205 77% 1% 21% 153 $1.00 $5.00 1 ** **158 82% 3% 15% 123 $1.00 $5.00 6 $1.00 $1.25127 83% 2% 15% 100 $1.25 $5.00 4 $1.00 $1.00

56 77% 4% 20% 41 $1.20 $5.00 0 ** **51 76% 4% 20% 36 $2.00 $5.00 2 ** $1.5078 41% 6% 54% 42 $1.00 $3.00 0 ** **

163 49% 1% 50% 92 $1.00 $5.00 3 $1.00 $1.00295 56% 2% 42% 194 $1.00 $5.00 1 ** **134 54% 0% 45% 84 $1.00 $5.00 3 $1.18 $1.50186 42% 2% 56% 88 $1.00 $5.00 1 ** **

98 44% 1% 55% 51 $1.00 $4.00 2 $.72 $1.00138 50% 0% 50% 80 $1.00 $2.00 2 $1.00 $1.00

84 62% 2% 36% 57 $1.00 $4.00 2 $1.00 $1.00147 57% 2% 40% 89 $1.25 $5.00 3 $1.13 $1.25


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median MaximumFee per money order


**Insufficient data

Table 8-6Single Traveler's Checks

1,319 26% 14% 60% 90 $1.00 $10.00 328 $1.00 $10.0054 0% 2% 98% 0 ** ** 0 ** **

130 3% 4% 93% 1 ** ** 4 $1.25 $2.00174 16% 9% 76% 5 $1.00 $5.00 18 $1.00 $1.50161 24% 20% 56% 9 $1.00 $3.00 25 $1.00 $2.00204 36% 22% 42% 15 $1.50 $10.00 55 $1.00 $10.00205 50% 21% 29% 20 $1.00 $10.00 72 $1.00 $2.50158 51% 18% 31% 15 $1.00 $10.00 55 $1.00 $2.00127 51% 27% 22% 10 $1.75 $10.00 53 $1.00 $2.00

56 66% 23% 11% 8 $1.00 $1.50 23 $1.00 $2.0050 60% 34% 6% 7 $1.00 $2.00 23 $1.00 $1.0077 29% 21% 50% 5 $1.00 $10.00 24 $1.00 $2.00

163 14% 13% 73% 11 $1.67 $3.00 20 $1.00 $1.00293 26% 11% 63% 19 $1.00 $10.00 74 $1.00 $2.00134 27% 13% 60% 4 $1.38 $5.00 39 $1.00 $2.00186 27% 16% 57% 10 $1.00 $10.00 58 $1.00 $2.50

98 20% 13% 67% 9 $1.00 $5.00 20 $1.00 $2.00138 29% 15% 56% 14 $1.00 $9.95 34 $1.00 $2.00

84 35% 6% 59% 8 $1.70 $10.00 22 $1.00 $10.00146 33% 26% 41% 10 $1.00 $2.00 37 $1.00 $2.00


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median Maximum

Check fee per traveler'scheck


**Insufficient data



Table 8-7Dual Signature Traveler's Checks

1,316 28% 4% 68% 96 $1.50 $20.00 360 $1.00 $10.0054 0% 2% 98% 0 ** ** 0 ** **

130 2% 1% 97% 1 ** ** 3 $1.00 $2.00174 13% 3% 84% 7 $2.00 $5.00 13 $1.00 $2.50159 28% 6% 67% 11 $1.50 $2.50 28 $1.00 $2.00204 39% 6% 55% 17 $2.00 $9.95 57 $1.00 $10.00205 50% 7% 43% 14 $1.50 $10.00 77 $1.00 $3.00158 58% 3% 39% 17 $1.39 $10.00 65 $1.00 $2.50127 65% 7% 28% 15 $1.60 $20.00 61 $1.50 $5.0056 75% 5% 20% 8 $1.00 $2.00 29 $1.00 $2.5049 69% 12% 18% 6 $1.60 $2.50 27 $1.50 $2.5077 32% 7% 61% 7 $1.37 $20.00 22 $1.20 $2.50

163 19% 4% 77% 13 $2.00 $5.00 30 $1.00 $2.00291 25% 3% 71% 15 $1.49 $10.00 79 $1.00 $2.50134 31% 3% 66% 5 $1.00 $1.50 46 $1.00 $5.00186 28% 7% 65% 13 $1.00 $3.00 59 $1.00 $3.0098 17% 6% 77% 6 $2.50 $2.50 15 $1.41 $2.50

138 36% 2% 62% 16 $1.78 $9.95 43 $1.00 $2.5084 29% 2% 69% 10 $1.73 $10.00 17 $1.28 $10.00

145 40% 4% 56% 11 $1.50 $10.00 49 $1.00 $2.50


Byassetsize


Byregion

NOffer,

charge feeOffer for

freeDon'toffer N Median Maximum

Check fee per checkN Median Maximum

Check fee per $100

**Insufficient data

Table 8-8Foreign Check Handling

1,316 12% 12% 76% 213 $10.00 $60.00 8 $9.41 $15.0054 0% 0% 100% 0 ** ** 0 ** **

130 1% 0% 99% 1 ** ** 0 ** **174 3% 4% 93% 4 $7.50 $10.00 0 ** **160 4% 9% 88% 5 $10.00 $20.00 1 ** **204 16% 20% 65% 26 $10.00 $45.00 2 $8.00 $15.00204 20% 25% 55% 35 $15.00 $54.00 0 ** **158 38% 23% 39% 52 $10.00 $55.00 2 $9.46 $10.00127 41% 28% 31% 44 $12.50 $40.00 2 $13.94 $15.0056 45% 20% 36% 23 $11.02 $60.00 0 ** **49 53% 31% 16% 23 $20.00 $35.00 1 ** **78 15% 12% 73% 13 $12.93 $25.00 1 ** **

163 8% 10% 82% 22 $13.12 $35.00 0 ** **291 11% 10% 79% 44 $6.79 $55.00 2 $12.82 $15.00134 11% 21% 68% 15 $9.70 $15.00 2 $10.00 $10.00186 10% 10% 81% 22 $15.00 $60.00 2 ** $15.0097 7% 11% 81% 12 $15.00 $40.00 0 ** **

138 13% 7% 80% 24 $15.00 $30.00 0 ** **84 18% 18% 64% 16 $16.35 $35.00 1 ** **

145 27% 11% 61% 45 $15.00 $40.00 0 ** **


Byassetsize


Byregion

NOffer,

charge feeOffer for



**Insufficient data



Table 8-9Outgoing Domestic Wire Transfer

1,326 69% 3% 28% 1,038 $15.00 $35.0054 15% 6% 80% 5 $15.00 $15.00

132 36% 5% 59% 44 $15.00 $25.00177 62% 2% 36% 103 $15.00 $35.00161 81% 4% 16% 126 $15.00 $35.00205 92% 3% 5% 185 $15.00 $35.00205 100% 0% 0% 200 $15.00 $30.00158 98% 2% 0% 151 $15.00 $35.00127 100% 0% 0% 123 $15.00 $35.00

56 96% 2% 2% 52 $15.00 $35.0051 100% 0% 0% 49 $15.00 $25.0077 63% 5% 32% 59 $15.00 $25.00

163 51% 7% 42% 102 $15.00 $35.00296 70% 3% 27% 236 $15.00 $35.00134 81% 0% 19% 115 $15.00 $25.00188 66% 3% 31% 147 $15.00 $35.00

99 59% 1% 40% 66 $15.00 $30.00138 71% 3% 26% 112 $15.00 $28.00

84 82% 1% 17% 73 $15.00 $25.00147 83% 1% 16% 128 $15.00 $35.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee per wire

Table 8-10Incoming Domestic Wire Transfer

1,322 26% 45% 30% 366 $10.00 $30.0054 4% 9% 87% 2 $15.00 $15.00

131 18% 24% 59% 19 $10.00 $25.00176 20% 43% 37% 29 $10.00 $25.00160 34% 52% 14% 48 $10.00 $30.00205 36% 60% 4% 65 $10.00 $25.00204 38% 61% 1% 73 $8.38 $25.00158 35% 63% 1% 54 $10.00 $20.00127 37% 62% 1% 45 $10.00 $25.00

56 25% 70% 5% 14 $10.00 $25.0051 33% 67% 0% 17 $10.00 $20.0077 25% 38% 36% 24 $10.00 $25.00

163 16% 39% 45% 30 $15.00 $25.00293 30% 42% 27% 98 $10.00 $25.00134 26% 52% 22% 35 $7.05 $25.00187 25% 43% 32% 54 $10.00 $30.00

99 31% 26% 44% 36 $10.00 $20.00138 26% 47% 27% 33 $5.00 $20.00

84 16% 69% 15% 8 $14.36 $20.00147 33% 53% 13% 48 $10.00 $25.00


Byassetsize


Byregion

NOffer, charge




Table 8-11Outgoing Foreign Wire Transfer

1,318 50% 1% 49% 803 $31.59 $100.0054 2% 2% 96% 1 ** **

130 17% 0% 83% 21 $25.00 $50.00174 30% 1% 70% 45 $25.00 $70.00159 52% 2% 46% 81 $30.00 $60.00205 73% 1% 25% 139 $35.00 $65.00204 89% 0% 10% 175 $35.00 $100.00158 94% 1% 5% 141 $35.00 $75.00127 87% 1% 13% 105 $35.00 $75.00

56 91% 0% 9% 49 $35.00 $50.0051 94% 0% 6% 46 $30.00 $80.0077 53% 1% 46% 51 $30.00 $100.00

163 34% 3% 63% 75 $30.00 $50.00292 47% 1% 52% 172 $35.00 $75.00134 58% 0% 42% 90 $35.00 $60.00186 46% 1% 53% 111 $30.00 $75.00

97 41% 0% 59% 47 $35.00 $80.00138 48% 2% 50% 79 $30.00 $50.00

84 70% 1% 28% 65 $35.00 $50.00147 73% 0% 27% 113 $30.00 $75.00


Byassetsize


Byregion

NOffer, charge



Table 8-12Incoming Foreign Wire Transfer

1,317 18% 32% 50% 277 $10.00 $75.0054 0% 2% 98% 0 ** **

130 7% 12% 82% 8 $15.00 $35.00174 8% 20% 72% 10 $32.50 $70.00159 21% 32% 47% 28 $17.50 $50.00205 30% 44% 26% 50 $10.00 $50.00203 33% 53% 14% 58 $15.00 $50.00158 32% 61% 7% 48 $10.00 $60.00127 35% 57% 9% 43 $10.00 $75.00

56 21% 64% 14% 12 $14.23 $50.0051 39% 59% 2% 20 $10.49 $50.0077 20% 28% 52% 21 $10.00 $35.00

163 11% 28% 61% 23 $30.00 $45.00291 19% 26% 54% 67 $10.00 $60.00134 17% 38% 45% 28 $14.09 $45.00186 18% 29% 53% 42 $10.00 $75.00

97 20% 20% 59% 22 $17.96 $70.00138 17% 30% 54% 21 $10.00 $45.00

84 16% 53% 32% 9 $35.00 $50.00147 31% 45% 24% 44 $10.00 $60.00


Byassetsize


Byregion

NOffer, charge


**Insufficient data



Table 8-13Wire Tracer

1,313 3% 17% 80% 47 $20.00 $60.0054 0% 2% 98% 0 ** **

129 0% 2% 98% 0 ** **174 1% 7% 91% 0 ** **159 1% 14% 84% 1 ** **204 5% 19% 76% 8 $25.00 $40.00203 5% 29% 66% 8 $20.00 $25.00158 6% 36% 58% 7 $25.00 $60.00126 13% 42% 45% 12 $22.50 $45.00

56 14% 45% 41% 5 $21.73 $35.0050 12% 60% 28% 6 $17.99 $32.0076 1% 12% 87% 1 ** **

163 0% 13% 87% 0 ** **290 2% 15% 83% 6 $20.00 $60.00134 3% 15% 82% 5 $21.74 $30.00186 3% 19% 79% 4 $20.00 $25.00

97 1% 10% 88% 1 ** **138 8% 15% 77% 12 $20.00 $25.00

84 1% 29% 70% 1 ** **145 12% 26% 62% 17 $25.00 $45.00


Byassetsize


Byregion

NOffer, charge


**Insufficient data

Table 8-14Charge Check Cashing Fee for Nonmembers

1,311 9% 7% 84% 137 $5.00 $25.00 17 $1.27 $10.0053 0% 0% 100% 0 ** ** 0 ** **

129 4% 5% 91% 3 $5.00 $25.00 0 ** **173 6% 6% 87% 8 $5.00 $10.00 2 $1.00 $1.00160 9% 4% 86% 12 $3.00 $15.00 1 ** **203 9% 7% 84% 16 $5.00 $15.00 3 $1.00 $2.00204 13% 12% 75% 21 $4.62 $10.00 3 $2.62 $4.00158 27% 9% 64% 35 $5.00 $20.00 5 $3.79 $10.00126 17% 13% 69% 19 $5.00 $10.00 3 $2.55 $3.0056 21% 18% 61% 10 $5.00 $15.00 0 ** **49 27% 16% 57% 13 $5.00 $10.00 0 ** **77 5% 6% 89% 5 $3.13 $5.00 0 ** **

162 6% 5% 89% 12 $3.00 $10.00 2 $1.44 $2.00291 12% 6% 82% 41 $5.00 $15.00 6 $2.16 $5.00134 9% 5% 86% 13 $5.00 $25.00 3 $1.19 $2.00186 8% 6% 86% 16 $5.00 $10.00 1 ** **97 4% 5% 92% 4 $5.00 $15.00 0 ** **

138 9% 5% 86% 12 $3.32 $10.00 2 $2.34 $4.0084 15% 15% 69% 14 $5.00 $5.00 3 $1.00 $10.00

142 13% 9% 78% 20 $5.00 $10.00 0 ** **


Byassetsize


Byregion

NOffer,

charge feeOffer for



**Insufficient data



Table 8-15Charge Payroll Check Cashing Fee for Nonmembers

1,310 7% 2% 91% 90 $5.00 $20.00 16 $2.00 $5.0053 2% 0% 98% 1 ** ** 0 ** **

129 2% 2% 97% 1 ** ** 0 ** **173 3% 2% 95% 3 $10.00 $10.00 2 $1.00 $1.00160 8% 1% 91% 10 $8.50 $15.00 2 $1.63 $2.25203 8% 2% 89% 15 $5.00 $15.00 2 $1.50 $2.00203 12% 3% 85% 17 $5.00 $10.00 4 $2.81 $4.00158 18% 7% 75% 19 $5.00 $20.00 6 $2.00 $5.00126 6% 6% 87% 8 $4.50 $5.00 0 ** **56 18% 11% 71% 9 $4.80 $15.00 0 ** **49 14% 4% 82% 7 $4.42 $10.00 0 ** **77 4% 1% 95% 4 $2.62 $5.00 0 ** **

162 5% 2% 94% 8 $5.00 $10.00 2 $1.44 $2.00290 8% 3% 89% 19 $5.00 $15.00 7 $2.20 $5.00134 10% 3% 87% 15 $5.00 $20.00 2 $1.75 $2.00186 7% 2% 90% 12 $2.67 $10.00 0 ** **97 5% 1% 95% 6 $5.00 $15.00 0 ** **

138 6% 2% 92% 7 $4.45 $10.00 2 $2.34 $4.0084 10% 8% 83% 7 $5.00 $5.00 3 $1.00 $2.00

142 7% 3% 91% 12 $5.00 $10.00 0 ** **


Byassetsize


Byregion

NOffer,

charge feeOffer for



**Insufficient data

Table 8-16Charge Government Check Cashing Fee for Nonmembers

1,310 6% 3% 91% 75 $5.00 $35.00 18 $1.00 $5.0053 0% 2% 98% 0 ** ** 0 ** **

129 2% 3% 95% 2 $5.00 $5.00 0 ** **173 3% 3% 94% 2 $10.00 $10.00 2 $1.00 $1.00160 7% 3% 91% 7 $7.00 $15.00 3 $1.00 $2.25203 6% 2% 91% 10 $5.00 $35.00 1 ** **203 9% 5% 85% 13 $5.00 $10.00 5 $2.31 $4.00158 16% 6% 77% 19 $5.00 $20.00 5 $2.39 $5.00126 7% 4% 89% 8 $5.00 $10.00 2 $1.90 $2.00

56 14% 9% 77% 7 $4.35 $15.00 0 ** **49 14% 8% 78% 7 $5.00 $10.00 0 ** **77 3% 9% 89% 3 $2.36 $5.00 0 ** **

162 4% 2% 94% 7 $5.00 $10.00 2 $1.44 $2.00290 8% 4% 88% 18 $5.00 $15.00 7 $2.20 $5.00134 7% 4% 89% 10 $5.00 $20.00 2 $1.00 $1.00186 3% 4% 93% 6 $4.12 $35.00 1 ** **

97 5% 2% 93% 6 $5.00 $15.00 0 ** **138 5% 2% 93% 5 $4.64 $10.00 2 $2.34 $4.00

84 11% 3% 86% 8 $5.00 $5.00 2 $1.39 $2.00142 7% 3% 91% 12 $5.00 $10.00 2 $1.90 $2.00


Byassetsize


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charge feeOffer for



**Insufficient data



Table 8-17ACH Origination

1,312 4% 34% 62% 55 $5.00 $28.00 12 $5.00 $10.0053 0% 11% 89% 0 ** ** 0 ** **

129 0% 16% 84% 0 ** ** 0 ** **173 2% 34% 64% 3 $5.00 $20.00 0 ** **161 2% 35% 63% 2 $25.00 $25.00 0 ** **203 5% 40% 55% 6 $7.50 $15.00 1 ** **204 7% 45% 48% 11 $5.00 $15.00 2 $6.62 $7.00158 9% 50% 41% 11 $4.56 $28.00 3 $8.90 $10.00126 13% 54% 33% 11 $5.00 $15.00 4 $7.50 $10.00

56 11% 64% 25% 6 $5.00 $25.00 0 ** **49 16% 65% 18% 5 $11.95 $25.00 2 $5.00 $5.0077 2% 27% 71% 2 $4.45 $5.00 0 ** **

162 2% 22% 76% 1 ** ** 1 ** **291 5% 30% 65% 20 $5.00 $25.00 3 $9.25 $10.00134 5% 49% 46% 4 $10.00 $25.00 2 $9.46 $10.00186 4% 38% 58% 10 $3.58 $10.00 2 $5.00 $5.00

98 1% 30% 69% 1 $2.00 $2.00 0 ** **138 4% 37% 59% 5 $5.00 $15.00 1 ** **

84 9% 39% 52% 8 $5.00 $28.00 2 $5.00 $5.00142 3% 35% 62% 4 $8.82 $25.00 1 ** **


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median MaximumFee per transaction

N Median MaximumFee per file

**Insufficient data

Table 8-18ACH Stop Payment

1,317 58% 10% 31% 873 $20.00 $35.00 22 $20.00 $25.0053 9% 6% 85% 4 $20.00 $25.00 0 ** **

130 27% 11% 62% 34 $15.00 $35.00 0 ** **173 51% 12% 37% 82 $18.50 $35.00 4 $25.00 $25.00162 65% 19% 16% 99 $15.00 $32.50 3 $15.00 $25.00204 79% 11% 9% 148 $20.00 $30.00 5 $10.00 $25.00205 87% 7% 5% 170 $20.00 $35.00 5 $20.93 $25.00158 87% 8% 4% 134 $20.00 $30.00 1 ** **126 92% 6% 2% 110 $20.00 $32.00 4 $15.00 $20.00

56 91% 7% 2% 50 $22.50 $30.00 0 ** **50 84% 8% 8% 42 $20.00 $30.00 0 ** **77 52% 16% 32% 48 $17.15 $29.00 1 ** **

162 38% 13% 50% 83 $15.00 $35.00 2 $9.50 $15.00294 62% 9% 29% 200 $20.00 $32.00 7 $17.63 $25.00134 60% 15% 25% 92 $19.41 $31.00 3 $14.50 $25.00186 59% 13% 28% 130 $24.89 $35.00 2 $18.62 $20.00

99 57% 2% 40% 68 $20.00 $32.00 0 ** **138 59% 10% 31% 86 $20.00 $30.00 4 $25.00 $25.00

84 71% 4% 25% 66 $15.00 $30.00 2 $11.71 $20.00143 71% 9% 20% 100 $15.00 $32.50 1 ** **


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median MaximumFee per transaction

N Median MaximumFee per file

**Insufficient data



Table 8-19Non-PC-Based Bill-Paying Service

1,310 2% 4% 94% 17 $3.76 $30.00 23 $1.00 $15.0053 0% 0% 100% 0 ** ** 0 ** **

129 3% 2% 95% 1 ** ** 2 $1.00 $1.00173 2% 3% 95% 3 $2.00 $30.00 0 ** **160 3% 4% 93% 2 $14.50 $25.00 2 $4.00 $5.00203 2% 4% 94% 2 $4.98 $5.00 2 $2.00 $3.00203 3% 6% 91% 4 $1.91 $3.00 3 $5.31 $6.00158 3% 11% 85% 3 $8.90 $15.00 4 $3.68 $7.00126 4% 9% 87% 0 ** ** 5 $1.00 $2.00

56 9% 5% 86% 1 ** ** 4 $.94 $2.0049 4% 4% 92% 1 ** ** 1 ** **76 4% 4% 93% 1 ** ** 2 $1.00 $1.00

162 1% 2% 97% 2 $4.13 $5.00 1 $7.00 $7.00291 2% 4% 94% 3 $12.91 $25.00 2 $1.00 $1.00134 4% 3% 93% 3 $3.57 $4.00 3 $3.00 $6.00186 3% 6% 91% 2 $12.24 $30.00 3 $3.56 $5.00

97 3% 3% 94% 2 $2.45 $3.00 1 ** **138 1% 4% 95% 1 ** ** 0 ** **

84 3% 6% 91% 1 ** ** 3 $3.24 $5.00142 4% 5% 91% 2 $13.65 $15.00 8 $.99 $15.00


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median MaximumFee per month

N Median MaximumFee per transaction/bill

**Insufficient data

Table 8-20Non-PC-Based Bill-Pay Stop Payment Fee

1,309 6% 2% 92% 87 $20.00 $35.0053 0% 0% 100% 0 ** **

129 4% 1% 95% 4 $25.00 $25.00173 3% 2% 95% 5 $15.00 $35.00159 7% 3% 91% 10 $15.00 $25.00203 6% 1% 92% 12 $17.50 $25.00203 4% 7% 88% 9 $24.04 $30.00158 13% 4% 83% 18 $20.00 $35.00126 13% 2% 86% 16 $25.00 $30.00

56 16% 7% 77% 9 $17.77 $28.0049 8% 4% 88% 4 $20.98 $25.0076 7% 0% 93% 8 $15.00 $25.00

162 3% 1% 96% 8 $23.07 $35.00290 7% 2% 91% 22 $18.21 $30.00134 4% 2% 94% 7 $20.00 $25.00186 6% 3% 91% 11 $20.00 $35.00

97 1% 4% 95% 1 $25.00 $25.00138 4% 1% 95% 7 $25.00 $30.00

84 8% 4% 88% 9 $20.16 $28.00142 10% 5% 85% 14 $11.89 $27.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee transaction per item

**Insufficient data



Table 8-21Account-to-Account (A2A) Transfers

1,314 5% 47% 47% 68 $3.00 $28.0053 0% 23% 77% 0 ** **

129 5% 31% 64% 4 $3.50 $20.00173 3% 44% 53% 5 $5.00 $20.00161 6% 55% 39% 7 $3.00 $15.00204 8% 57% 35% 11 $5.00 $12.50204 9% 58% 33% 16 $2.00 $18.00158 7% 60% 33% 10 $4.79 $28.00126 6% 67% 27% 7 $2.40 $15.00

56 5% 66% 29% 3 $4.39 $5.0050 10% 58% 32% 5 $6.43 $10.0077 11% 36% 53% 8 $5.00 $15.00

162 4% 37% 59% 8 $4.91 $12.50292 6% 45% 49% 17 $3.40 $24.00134 3% 58% 40% 3 $1.75 $2.00186 3% 54% 43% 6 $3.91 $15.00

98 1% 46% 53% 1 $3.00 $3.00138 6% 50% 44% 9 $2.00 $3.00

84 11% 51% 38% 9 $5.00 $28.00143 8% 50% 42% 7 $10.17 $20.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee per transaction

**Insufficient data

Table 8-22Gift Cards

1,315 40% 3% 57% 635 $3.00 $29.0053 6% 4% 91% 2 $4.25 $5.00

129 22% 1% 78% 26 $3.00 $25.00173 30% 1% 69% 51 $3.00 $8.95161 40% 2% 58% 61 $3.00 $8.00203 54% 3% 43% 105 $3.00 $5.95204 62% 7% 30% 125 $3.00 $6.95158 69% 5% 26% 105 $3.34 $29.00127 67% 6% 27% 82 $3.00 $10.00

56 77% 2% 21% 43 $3.00 $7.9551 69% 6% 25% 35 $3.81 $5.9578 18% 2% 79% 19 $4.69 $10.00

162 34% 5% 61% 67 $2.99 $5.00293 47% 3% 50% 164 $3.00 $25.00134 46% 4% 50% 75 $3.00 $25.00186 38% 3% 58% 87 $3.00 $5.95

97 38% 1% 62% 47 $3.00 $5.00138 38% 2% 60% 64 $3.00 $29.00

84 57% 4% 39% 53 $3.00 $8.00143 36% 3% 61% 59 $3.95 $7.95


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee per card

**Insufficient data



Table 8-23 Lobby Transactions

1,310 2% 73% 26% 11 $2.27 $10.00 6 1.34 5.0053 0% 34% 66% 0 ** ** 0 ** **

129 2% 49% 49% 0 ** ** 0 ** **173 3% 69% 28% 2 $3.50 $5.00 2 3.00 5.00159 2% 83% 15% 2 $6.50 $10.00 1 1.00 1.00203 1% 88% 11% 0 ** ** 0 ** **204 1% 95% 4% 1 $2.00 $2.00 0 ** **158 3% 94% 3% 2 $2.79 $3.00 0 ** **126 3% 91% 6% 4 $1.50 $2.00 3 2.81 4.0056 0% 96% 4% 0 ** ** 0 ** **49 0% 96% 4% 0 ** ** 0 ** **76 0% 65% 35% 0 ** ** 0 ** **

162 1% 66% 34% 0 ** ** 0 ** **290 2% 77% 21% 2 $2.81 $3.00 0 ** **134 2% 81% 17% 1 $5.00 $5.00 1 5.00 5.00186 3% 75% 22% 3 $2.00 $2.00 1 1.00 1.0098 0% 59% 41% 0 ** ** 0 ** **

138 3% 71% 26% 2 $8.67 $10.00 1 1.00 1.0084 1% 74% 25% 1 $1.00 $1.00 1 1.00 1.00

142 2% 75% 23% 2 $1.90 $2.00 2 3.81 4.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee per transaction

N Median Maximum

Free transactions permonth

**Insufficient data

Table 8-24Microfilm Copy of Check

1,316 51% 12% 37% 790 $2.50 $10.0053 4% 8% 89% 2 $4.00 $5.00

129 25% 5% 71% 27 $3.00 $10.00174 44% 14% 42% 77 $3.00 $10.00161 61% 13% 26% 95 $3.00 $10.00204 71% 14% 15% 139 $2.00 $10.00205 78% 14% 8% 156 $2.50 $10.00158 79% 12% 9% 120 $2.00 $10.00126 79% 13% 8% 95 $2.00 $5.00

56 79% 16% 5% 43 $2.00 $10.0050 74% 14% 12% 36 $2.00 $5.0077 43% 16% 40% 40 $3.00 $5.00

162 44% 10% 46% 89 $3.00 $10.00293 53% 11% 36% 186 $2.50 $10.00134 55% 14% 31% 86 $2.00 $6.00187 52% 9% 39% 118 $3.00 $10.00

98 50% 6% 44% 58 $2.00 $10.00138 52% 10% 38% 80 $2.40 $10.00

84 54% 13% 33% 51 $2.00 $10.00143 58% 17% 25% 82 $2.50 $10.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee per check



Table 8-25Statement (Hard Copy via Mail)

1,317 32% 57% 11% 394 $3.00 $12.00 106 $1.00 $15.0053 6% 62% 32% 1 ** ** 1 ** **

130 13% 64% 23% 13 $3.00 $5.00 1 ** **175 26% 64% 10% 32 $3.00 $10.00 8 $1.00 $10.00161 39% 58% 4% 41 $2.00 $10.00 16 $2.00 $10.00203 33% 64% 4% 50 $3.00 $12.00 13 $1.00 $5.00204 55% 43% 1% 84 $3.00 $10.00 27 $1.00 $10.00158 65% 34% 1% 80 $3.00 $10.00 20 $1.00 $3.00127 49% 50% 1% 42 $3.00 $10.00 18 $1.50 $15.00

56 46% 52% 2% 24 $3.00 $5.00 1 ** **50 56% 44% 0% 27 $2.29 $10.00 1 ** **78 28% 67% 5% 23 $3.00 $5.00 7 $1.00 $2.00

162 23% 63% 14% 38 $3.00 $10.00 9 $1.00 $2.00293 31% 60% 9% 82 $3.00 $10.00 31 $1.00 $10.00134 38% 55% 6% 53 $2.00 $5.00 10 $1.98 $10.00186 33% 55% 12% 64 $5.00 $10.00 14 $1.00 $5.00

99 32% 51% 16% 23 $2.88 $12.00 8 $1.88 $10.00139 30% 52% 18% 41 $2.00 $10.00 8 $2.00 $15.00

84 30% 55% 15% 21 $2.00 $5.00 11 $1.25 $4.00142 41% 55% 5% 49 $3.00 $5.00 8 $1.00 $2.00


Byassetsize


Byregion

NOffer,

charge feeOffer for

free Don't offer N Median MaximumStatement fee per statement

N Median MaximumStatement fee per page


Table 8-26Garnishment and Levies

1,313 27% 34% 39% 458 $25.00 $175.0053 0% 19% 81% 0 ** **

129 6% 25% 69% 7 $35.00 $50.00173 13% 38% 49% 21 $25.00 $175.00161 28% 45% 27% 43 $25.00 $150.00203 33% 45% 21% 65 $25.00 $75.00204 42% 43% 15% 85 $25.00 $125.00158 63% 28% 9% 97 $30.00 $100.00127 58% 31% 11% 71 $25.00 $100.00

56 70% 27% 4% 39 $25.00 $120.0049 63% 29% 8% 30 $34.18 $75.0078 20% 33% 47% 23 $25.00 $50.00

162 18% 34% 48% 47 $49.81 $150.00292 32% 29% 38% 126 $25.00 $175.00134 29% 43% 28% 51 $20.00 $75.00186 21% 33% 46% 53 $50.00 $100.00

97 21% 34% 44% 24 $25.00 $100.00138 16% 48% 36% 26 $25.00 $75.00

84 35% 34% 31% 35 $27.29 $75.00142 46% 28% 26% 73 $25.00 $75.00


Byassetsize


Byregion

NOffer, charge

fee Offer for free Don't offer N Median MaximumFee per item

**Insufficient data



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Copyright © 2008 Credit Union National Association, Inc.

All rights reserved. No part of this report may be reproduced, stored in a retrieval system, or transmitted in any form, or by anymeans, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the copyright owner.

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