Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $1B to $10B

Northwest Federal Credit Union

Herndon, VirginiaCredit UnionRichmond Fed districtFees collected Oct 7, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Elite Checking (for average daily balance Monthly service charge$10Within the typical range ($4–$10 nationally)

$4 above the national median$3.26 above the Virginia median

Inactive Account Fee transaction fees. (after one year of inactivity and no contact by member) …………$10

$5 above the national medianAt the Virginia median

per month · Source

Account Research ..............................................................$30

$12.50 above the national median$15 above the Virginia median

Source

Invalid Address Fee$5

$12.50 below the national median$10 below the Virginia median

per month · Source

Overdraft & NSFVerified

Overdraft fee (insufficient funds fee)$32.50Within the typical range ($25–$33 nationally)
$2.50 above the national median$2.50 above the Virginia median
per item · Source
Returned Check (due to non-sufficient funds)$32.50Above the typical range ($25–$32 nationally)
$2.50 above the national median$2.50 above the Virginia median
Source

ATM & CardVerified

Out of Network ATM Transaction 4$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national medianAt the Virginia median
Source
Card Replacement$5Within the typical range ($5–$10 nationally)
$5 below the national median$5 below the Virginia median
Source

Wire TransfersVerified

Outgoing Domestic Wire$25Within the typical range ($20–$25 nationally)
At the national median$1.25 above the Virginia median
Source
Outgoing International Wire$50Within the typical range ($40–$50 nationally)
At the national median$2.50 above the Virginia median
Source

Check ServicesVerified

Cashier's Checks (Elite Checking)$0Below the typical range ($3–$6 nationally)
$5 below the national median$5 below the Virginia median
per item · Source
First box of checks (Choice Checking)$0Within the typical range ($0–$15 nationally)
$1 below the national medianAt the Virginia median
one time · Source
ACH Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the Virginia median
Source

Digital & ElectronicVerified

ACH Overdraft and Returned ACH$32.50Above the typical range ($15–$30 nationally)
$7.50 above the national medianAt the Virginia median
per item · Source
Limited MPP (checks, ACHs, bill payments, and other transactions using checking account number)………………………………………$29.50Above the typical range ($0–$9.95 nationally)
$27 above the national median$25 above the Virginia median
Source

Account ServicesVerified

Drill Box$200Above the typical range ($30–$70 nationally)
$155 above the national median$148.75 above the Virginia median
Source
Garnishment and Levy Fee$50Within the typical range ($30–$90 nationally)
At the national median$25 below the Virginia median
Source

Lending FeesVerified

Late Fee (If payment not received within 10 days of due date)$30Above the typical range ($10–$25 nationally)
$10 above the national median$5 above the Virginia median
Source

Other FeesVerified

Statement Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median$2.50 below the Virginia median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Elite Checking (for average daily balance Monthly service charge	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3.26 above the Virginia median	per month	—	Source
Inactive Account Fee transaction fees. (after one year of inactivity and no contact by member) …………	$10Within the typical range ($5–$10 nationally)	$5 above the national medianAt the Virginia median	per month	—	Source
Account Research ..............................................................	$30Above the typical range ($11.38–$25 nationally)	$12.50 above the national median$15 above the Virginia median	—	—	Source
Invalid Address Fee	$5Below the typical range ($11.38–$25 nationally)	$12.50 below the national median$10 below the Virginia median	per month	—	Source
Overdraft & NSFVerified
Overdraft fee (insufficient funds fee)	$32.50Within the typical range ($25–$33 nationally)	$2.50 above the national median$2.50 above the Virginia median	per item	—	Source
Returned Check (due to non-sufficient funds)	$32.50
ATM & CardVerified
Out of Network ATM Transaction 4	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national medianAt the Virginia median	—	—	Source
Card Replacement	$5
Wire TransfersVerified
Outgoing Domestic Wire	$25Within the typical range ($20–$25 nationally)	At the national median$1.25 above the Virginia median	—	—	Source
Outgoing International Wire	$50
Check ServicesVerified
Cashier's Checks (Elite Checking)	$0Below the typical range ($3–$6 nationally)	$5 below the national median$5 below the Virginia median	per item	—	Source
First box of checks (Choice Checking)	$0
Digital & ElectronicVerified
ACH Overdraft and Returned ACH	$32.50Above the typical range ($15–$30 nationally)	$7.50 above the national medianAt the Virginia median	per item	—	Source
Limited MPP (checks, ACHs, bill payments, and other transactions using checking account number)………………………………………	$29.50
Account ServicesVerified
Drill Box	$200Above the typical range ($30–$70 nationally)	$155 above the national median$148.75 above the Virginia median	—	—	Source
Garnishment and Levy Fee	$50
Lending FeesVerified
Late Fee (If payment not received within 10 days of due date)	$30Above the typical range ($10–$25 nationally)	$10 above the national median$5 above the Virginia median	—	—	Source
Other FeesVerified
Statement Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median$2.50 below the Virginia median	—	—	Source

Against Virginia credit unions

Overdraft
$32.50
Of 30 others that publish it, 21 lower and 9 higher.
Monthly maintenance
$10.00
Of 14 others that publish it, 9 lower, 2 the same and 3 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$32.50

Overdraft fee: $32.50

8% above the national median overdraft fee

19 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$4.6B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$4.6B

Total deposits

$3.5B

Service charge income (year to date)

$3.5M

Fee income ratio

2.8%

Return on assets

0.37%

Financial profile · Pro

Performance from regulator filings

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