Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Large regional credit union, $50B to $250B

Navy Federal Credit Union

Vienna, VirginiaCredit UnionRichmond Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

†Standard Practices and Fees: We will charge a fee of$20Within the typical range ($7.81–$30 nationally)

Knox deterministic extraction from Rosetta artifact #890. canonical_hint=overdraft; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft" · Source

ATM & CardVerified

For each adjustment initiated for deposit items processed and subsequently returned, the ATM owner will impose a fee of$6Above the typical range ($1–$4.99 nationally)
$4 above the national median
per item · Knox deterministic extraction from Rosetta artifact #890. canonical_hint=atm_non_network; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="For each adjustment initiated for deposit items processed and subsequently returned, the ATM owner will impose a fee of $6.00 per item at the time the adjustment is processed" · Source
Otherwise,$0.50Below the typical range ($2–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #890. canonical_hint=card_foreign_txn; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction" · Source
plus ATM owner fees$1Within the typical range ($1–$4.99 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #890. canonical_hint=atm_non_network; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="$1.00 plus ATM owner fees" · Source

Lending FeesVerified

Generally a maximum late charge of$10Below the typical range ($15–$28.38 nationally)
$15 below the national median
Knox deterministic extraction from Rosetta artifact #890. canonical_hint=late_payment; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="Generally a maximum late charge of $10, $25 in KS, $50 in MO for equity loans; minimum late charge of $10 in ID, MD, WY and $15 in MO for equity loans" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
†Standard Practices and Fees: We will charge a fee of	$20Within the typical range ($7.81–$30 nationally)	$2.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #890. canonical_hint=overdraft; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft"	Source
ATM & CardVerified
For each adjustment initiated for deposit items processed and subsequently returned, the ATM owner will impose a fee of	$6Above the typical range ($1–$4.99 nationally)	$4 above the national median	per item	Knox deterministic extraction from Rosetta artifact #890. canonical_hint=atm_non_network; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="For each adjustment initiated for deposit items processed and subsequently returned, the ATM owner will impose a fee of $6.00 per item at the time the adjustment is processed"	Source
Lending FeesVerified
Generally a maximum late charge of	$10Below the typical range ($15–$28.38 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #890. canonical_hint=late_payment; text_hash=cabb971ea72935044e54b67f45239db9e280a1888623569fdf8c822f60eadcdc; excerpt="Generally a maximum late charge of $10, $25 in KS, $50 in MO for equity loans; minimum late charge of $10 in ID, MD, WY and $15 in MO for equity loans"	Source

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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

$20

Overdraft fee: $20

11% below the national median overdraft fee

Total fees: 5 — leaner than most institutions

Verified fees

Under review

Assets

$204.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$204.4B

Total deposits

$173.4B

Service charge income (year to date)

$297.4M

Fee income ratio

3.8%

Return on assets

1.38%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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