Democracy Federal Credit Union

Headquarters: Alexandria, Virginia
Charter: Credit Union
Assets: $188.2M
Fed district: Richmond

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

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
Democracy Federal Credit Union: $30 to $32
Democracy Federal Credit Union: $30 to $32
U.S. median: no median
NSF / Returned Item
Democracy Federal Credit Union: $30
Democracy Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $2.50, the middle of its prices
Democracy Federal Credit Union: $2 to $3
Democracy Federal Credit Union: $2 to $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, 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).
Virginia: Banks and credit unions headquartered in Virginia 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 Democracy Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Money Market Account Maintenance (Daily balances below $1,000)$10
per month
Account Closure (within 60 days or 2 months of opening)$10
Escheat (charged after 36 months of inactivity)$100
Inactive Account (no financial activity for 12 months)$15
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $20 per hour
Monthly/Quarterly Paper Statement$5
per month
Bad Address$5
per month

Overdraft & NSF

Insufficient Funds Share Draft/Point-of-Sale/Auto Debit Overdraft (whether paid or not)$30
Overdraft Privilege Fee$32
per item
Internet Bill Pay Insufficient Funds$30

ATM & Card

Democracy FCU ATM Withdrawals$3
Non-Proprietary ATM Withdrawals$2
Plastic Card Replacement$20
Express Delivery - Visa Check Card$65
per item

Wire Transfers

Outgoing Domestic Wire Transfer$20
Incoming Wire TransferNo charge
Outgoing International Wire Transfer$30

Check Services

Official Check$7
Money Order$3
Internet Bill Pay Stop Payment$26
Stop Payment$30
per item
Stop Payment on Official Check$25
Check Cashing Fee$3

Digital & Electronic

Internet Bill PayNo charge
Internet Bill Pay Inquiry$18

Cash & Deposit

Returned Deposit Item (written/issued by member depositor)$25

Account Services

Legal (tax liens, levies, garnishments, etc.)$100

Other Fees

Statement Copy$10
per item
Statement Copy (available free online for 18 months)$10
Duplicate Lien Release$10
Skip-A-Payment as offered$50
per item

Fee	Amount	Basis	Note
Account Maintenance
Money Market Account Maintenance (Daily balances below $1,000)	$10	per month	None
Account Closure (within 60 days or 2 months of opening)	$10	Not stated	None
Escheat (charged after 36 months of inactivity)	$100	Not stated	None
Inactive Account (no financial activity for 12 months)	$15	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $20 per hour
Monthly/Quarterly Paper Statement	$5	per month	None
Bad Address	$5	per month	None
Overdraft & NSF
Insufficient Funds Share Draft/Point-of-Sale/Auto Debit Overdraft (whether paid or not)	$30	Not stated	None
Overdraft Privilege Fee	$32	per item	None
Internet Bill Pay Insufficient Funds	$30	Not stated	None
ATM & Card
Democracy FCU ATM Withdrawals	$3	Not stated	None
Non-Proprietary ATM Withdrawals	$2	Not stated	None
Plastic Card Replacement	$20	Not stated	None
Express Delivery - Visa Check Card	$65	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	No charge	Not stated	None
Outgoing International Wire Transfer	$30	Not stated	None
Check Services
Official Check	$7	Not stated	None
Money Order	$3	Not stated	None
Internet Bill Pay Stop Payment	$26	Not stated	None
Stop Payment	$30	per item	None
Stop Payment on Official Check	$25	Not stated	None
Check Cashing Fee	$3	Not stated	None
Digital & Electronic
Internet Bill Pay	No charge	Not stated	None
Internet Bill Pay Inquiry	$18	Not stated	None
Cash & Deposit
Returned Deposit Item (written/issued by member depositor)	$25	Not stated	None
Account Services
Legal (tax liens, levies, garnishments, etc.)	$100	Not stated	None
Other Fees
Statement Copy	$10	per item	None
Statement Copy (available free online for 18 months)	$10	Not stated	None
Duplicate Lien Release	$10	Not stated	None
Skip-A-Payment as offered	$50	per item	None

Correct a fee source

Oct 31, 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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