Credit Unions Gain Clarity on Card Fees
Published Date: 6/9/2026
Rule
Summary
Starting June 30, 2026, federal credit unions can charge fees like interchange fees on credit and debit cards, even if set with help from others. This rule clears up what fees they’re allowed to collect, making it easier for credit unions to manage their costs. If you have thoughts, you can share them by July 9, 2026!
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
NCUA Preempts State Fee Limits
Starting June 30, 2026, the NCUA says federal credit unions may charge non-interest charges and fees, including interchange fees from credit and debit card operations. The rule states that state laws limiting those charges (including the Illinois Interchange Fee Prohibition Act) are preempted as applied to federal credit unions.
Fees Set by Third Parties Allowed
The rule, effective June 30, 2026, explicitly allows federal credit unions to assess non-interest charges and fees even when those charges are set by or in consultation with third parties (for example, payment networks). NCUA adds a definition of "charge" saying it includes assessing, collecting, receiving, reserving, or otherwise obtaining fees, including through intermediaries or fee-sharing arrangements.
NCUA Lists Fee-Setting Safety Factors
The interim final rule lists factors FCUs should consider when setting non-interest charges and fees, including (A) the FCU's cost to provide the service, (B) deterrence of misuse by members, (C) competitive position and business plan, (D) the use of third parties, and (E) maintaining safety and soundness. NCUA says considering these factors satisfies a requirement to set fees under safe and sound banking principles.
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