Democracy Federal Credit Union

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

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

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

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 31, 2026

How these figures are measured

Call-report figures are for Democracy Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Democracy Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Democracy Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $327K in Q2 2026, 1.2% below the same quarter a year earlier ($331K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

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.

Fee income beside fee prices

Fee income fell 12% from Q3 2025 to Q2 2026, to $327K.

Fee income, Q2 2026

$327K

$370KQ3 2025

$310KQ4 2025

$323KQ1 2026

$327KQ2 2026

Against the median

Democracy Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Democracy Federal Credit Union · $188M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$184M to $192M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Democracy Federal Credit Union(this institution)	Alexandria, VA	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alden Federal Credit Union	Chicopee, MA	$185M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Ohio Police Federal Credit Union	Cincinnati, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Central Federal Credit Union	Waco, TX	$192M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
First Choice Financial Federal Credit Union	Gloversville, NY	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nebraska Federal Credit Union	Omaha, NE	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Government Employees Federal Credit Union	Austin, TX	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Infirst Federal Credit Union	Alexandria, VA	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Journey Federal Credit Union	Saint Johns, MI	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star Federal Credit Union	Dallas, TX	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Magnolia Federal Credit Union	Jackson, MS	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Firefighters Federal Credit Union	Miami, FL	$189M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Employees Credit Union of Oklahoma City	Oklahoma City, OK	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nw Preferred Federal Credit Union	Tigard, OR	$189M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Priority First Federal Credit Union	Du Bois, PA	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority Trust Federal Credit Union	Houston, TX	$191M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Puerto Rico Federal Credit Union	Caparra, PR	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ripco Federal Credit Union	Rhinelander, WI	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Safe Harbor Federal Credit Union	Ludington, MI	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sierra Pacific Federal Credit Union	Reno, NV	$189M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
South Metro Federal Credit Union	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Xcel Federal Credit Union	Bloomfield, NJ	$186M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

12 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Democracy Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 13 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Democracy Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Democracy Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Democracy Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $327K
vs prior quarter: +$4K+1.2%; from Q1 2026
vs a year earlier: −$4K−1.2%; from Q2 2025
vs start of range: −$72K−18.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Democracy Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$327K	+$4K	+1.2%
Q1 2026	$323K	+$13K	+4.2%
Q4 2025	$310K	−$60K	−16.2%
Q3 2025	$370K	+$39K	+11.8%
Q2 2025	$331K	−$26K	−7.3%
Q1 2025	$357K	−$36K	−9.2%
Q4 2024	$393K	−$6K	−1.5%
Q3 2024	$399K	−$4K	−1.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

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.

Fee change alerts

Get an email when Democracy Federal Credit Union's early account closure changes in our data

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