Northwest Federal Credit Union

Headquarters: Herndon, Virginia
Charter: Credit Union
Assets: $4.6B
Fed district: Richmond

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $15, the middle of its prices
Northwest Federal Credit Union: $10 to $20
Northwest Federal Credit Union: $10 to $20
U.S. median: no median
Overdraft (OD)
Northwest Federal Credit Union: $32.50
Northwest Federal Credit Union: $32.50
U.S. median: no median
Wire Transfer (Domestic Out)
Northwest Federal Credit Union: $25
Northwest Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 Northwest Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Elite Checking (for average daily balance Monthly service charge$10
per month
Monthly fee (audience not stated, treated as personal)$20
per month

Overdraft & NSF

Overdraft fee (insufficient funds fee)$32.50
per item

Wire Transfers

Outgoing Domestic Wire$25
Outgoing International Wire$50

Digital & Electronic

ACH Overdraft and Returned ACH$32.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking (for average daily balance Monthly service charge	$10	per month	None
Monthly fee (audience not stated, treated as personal)	$20	per month	None
Overdraft & NSF
Overdraft fee (insufficient funds fee)	$32.50	per item	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Outgoing International Wire	$50	Not stated	None
Digital & Electronic
ACH Overdraft and Returned ACH	$32.50	per item	None

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

Account Maintenance

Dormant Account$10
per month
Account Research$30
Invalid Address Fee$5
per month

Overdraft & NSF

ACH Overdraft$32.50
Returned Check (due to non-sufficient funds)$32.50

ATM & Card

Out of Network ATM Transaction 4$1
Card Replacement$5

Wire Transfers

Domestic online banking wire originations$10
per item

Check Services

Cashier’s Check$5
ACH Stop Payment$25
Stop Payment$25

Digital & Electronic

Bill Pay & Zelle$29.50

Account Services

Drill Box$200
Not compared: Box drilling or key fee
Garnishment and Levy Fee$50

Lending Fees

Late Fee (If payment not received within 10 days of due date)$30

Other Fees

Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Account Research	$30	Not stated	None
Invalid Address Fee	$5	per month	None
Overdraft & NSF
ACH Overdraft	$32.50	Not stated	None
Returned Check (due to non-sufficient funds)	$32.50	Not stated	None
ATM & Card
Out of Network ATM Transaction 4	$1	Not stated	None
Card Replacement	$5	Not stated	None
Wire Transfers
Domestic online banking wire originations	$10	per item	None
Check Services
Cashier’s Check	$5	Not stated	None
ACH Stop Payment	$25	Not stated	None
Stop Payment	$25	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$29.50	Not stated	None
Account Services
Drill Box	$200Not compared: Box drilling or key fee	Not stated	None
Garnishment and Levy Fee	$50	Not stated	None
Lending Fees
Late Fee (If payment not received within 10 days of due date)	$30	Not stated	None
Other Fees
Statement Copy	$2	Not stated	None

Correct a fee source

Oct 16, 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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Fees against the market

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

Monthly Maintenance
Compared at $15, the middle of its prices
Northwest Federal Credit Union: $10 to $20
Northwest Federal Credit Union: $10 to $20
U.S. median: no median
Overdraft (OD)
Northwest Federal Credit Union: $32.50
Northwest Federal Credit Union: $32.50
U.S. median: no median
Wire Transfer (Domestic Out)
Northwest Federal Credit Union: $25
Northwest Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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.

Published fee schedule

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

Account Maintenance

Elite Checking (for average daily balance Monthly service charge$10
per month
Monthly fee (audience not stated, treated as personal)$20
per month

Overdraft & NSF

Overdraft fee (insufficient funds fee)$32.50
per item

Wire Transfers

Outgoing Domestic Wire$25
Outgoing International Wire$50

Digital & Electronic

ACH Overdraft and Returned ACH$32.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Elite Checking (for average daily balance Monthly service charge	$10	per month	None
Monthly fee (audience not stated, treated as personal)	$20	per month	None
Overdraft & NSF
Overdraft fee (insufficient funds fee)	$32.50	per item	None
Wire Transfers
Outgoing Domestic Wire	$25	Not stated	None
Outgoing International Wire	$50	Not stated	None
Digital & Electronic
ACH Overdraft and Returned ACH	$32.50	per item	None

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

Account Maintenance

Dormant Account$10
per month
Account Research$30
Invalid Address Fee$5
per month

Overdraft & NSF

ACH Overdraft$32.50
Returned Check (due to non-sufficient funds)$32.50

ATM & Card

Out of Network ATM Transaction 4$1
Card Replacement$5

Wire Transfers

Domestic online banking wire originations$10
per item

Check Services

Cashier’s Check$5
ACH Stop Payment$25
Stop Payment$25

Digital & Electronic

Bill Pay & Zelle$29.50

Account Services

Drill Box$200
Not compared: Box drilling or key fee
Garnishment and Levy Fee$50

Lending Fees

Late Fee (If payment not received within 10 days of due date)$30

Other Fees

Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Account Research	$30	Not stated	None
Invalid Address Fee	$5	per month	None
Overdraft & NSF
ACH Overdraft	$32.50	Not stated	None
Returned Check (due to non-sufficient funds)	$32.50	Not stated	None
ATM & Card
Out of Network ATM Transaction 4	$1	Not stated	None
Card Replacement	$5	Not stated	None
Wire Transfers
Domestic online banking wire originations	$10	per item	None
Check Services
Cashier’s Check	$5	Not stated	None
ACH Stop Payment	$25	Not stated	None
Stop Payment	$25	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$29.50	Not stated	None
Account Services
Drill Box	$200Not compared: Box drilling or key fee	Not stated	None
Garnishment and Levy Fee	$50	Not stated	None
Lending Fees
Late Fee (If payment not received within 10 days of due date)	$30	Not stated	None
Other Fees
Statement Copy	$2	Not stated	None

Correct a fee source

Oct 16, 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.