Library Of Congress Federal Credit Union

Headquarters: Washington, Washington DC
Charter: Credit Union
Assets: $338.2M
Fed district: Richmond

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Library Of Congress Federal Credit Union: $28
Library Of Congress Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Library Of Congress Federal Credit Union: $28
Library Of Congress Federal Credit Union: $28
U.S. median: no median
Wire Transfer (Domestic Out)
Library Of Congress Federal Credit Union: $20
Library Of Congress Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington DC, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington DC: Banks and credit unions headquartered in Washington DC that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Library Of Congress Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closing within 6 months of opening$15
Dormant Account$5
per item
Dormant Account$10
Not compared: CD/IRA fee
Escheatment Processing$50
Account Research (hourly)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$1
Return Mail Fee$5

Overdraft & NSF

Member Privilege fee$28
Overdraft (OD) (audience not stated, treated as personal)$28
per item
NSF / Returned Item (audience not stated, treated as personal)$28
per item
NSF fee$28

Wire Transfers

WIRE TRANSFER: Outgoing Domestic$20

Check Services

Money Orders$2
Individual Stop Payments$28
Range of Stop Payments$28
Stop Payment - CU Check$28
Foreign Check Collections (US & Non-US Dollars)$25
Foreign Check Collections (US & Non-US Dollars) Over$75
Check Copies, archived$5

Digital & Electronic

Online Bill Pay Monthly, non-use fee$3.95
per month

Cash & Deposit

Deposit Item Returned$30

Account Services

Notary Public (non-member)$2
Legal Processing - Tax Levy & Garnishment$75
Subordination Agreement$200
Account Verification$5

Lending Fees

Late Payment$25

Retirement & IRA

IRA Transfer/Termination to Other Institutions$30

Gift & Prepaid Cards

VISA Gift Cards In-Branch ($25-$1,000)$2.95
VISA Gift Cards Online at lcfcu.org ($25-$250)$5.95
VISA Gift Cards Online at lcfcu.org ($251-$500)$7.95

Other Fees

Duplicate Statements, archived$5
Skip-a-Payment$25

Fee	Amount	Basis	Note
Account Maintenance
Account closing within 6 months of opening	$15	Not stated	None
Dormant Account	$5	per item	None
Dormant Account	$10Not compared: CD/IRA fee	Not stated	None
Escheatment Processing	$50	Not stated	None
Account Research (hourly)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$1	Not stated	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Member Privilege fee	$28	Not stated	None
Overdraft (OD) (audience not stated, treated as personal)	$28	per item	None
NSF / Returned Item (audience not stated, treated as personal)	$28	per item	None
NSF fee	$28	Not stated	None
Wire Transfers
WIRE TRANSFER: Outgoing Domestic	$20	Not stated	None
Check Services
Money Orders	$2	Not stated	None
Individual Stop Payments	$28	Not stated	None
Range of Stop Payments	$28	Not stated	None
Stop Payment - CU Check	$28	Not stated	None
Foreign Check Collections (US & Non-US Dollars)	$25	Not stated	None
Foreign Check Collections (US & Non-US Dollars) Over	$75	Not stated	None
Check Copies, archived	$5	Not stated	None
Digital & Electronic
Online Bill Pay Monthly, non-use fee	$3.95	per month	None
Cash & Deposit
Deposit Item Returned	$30	Not stated	None
Account Services
Notary Public (non-member)	$2	Not stated	None
Legal Processing - Tax Levy & Garnishment	$75	Not stated	None
Subordination Agreement	$200	Not stated	None
Account Verification	$5	Not stated	None
Lending Fees
Late Payment	$25	Not stated	None
Retirement & IRA
IRA Transfer/Termination to Other Institutions	$30	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards In-Branch ($25-$1,000)	$2.95	Not stated	None
VISA Gift Cards Online at lcfcu.org ($25-$250)	$5.95	Not stated	None
VISA Gift Cards Online at lcfcu.org ($251-$500)	$7.95	Not stated	None
Other Fees
Duplicate Statements, archived	$5	Not stated	None
Skip-a-Payment	$25	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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