Compared with Virginia
2 of 16
compared fees are above the median.
13 below, 1 about the same.
About the same: within 1% of the median.
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 enough peers
Fewer than 10 credit unions its size reported a share
Not on file
Fees above the Virginia median
of 16 compared; 13 below, 1 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Navy 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Navy 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
Fee income was $153.1M in Q2 2026, 17% above the same quarter a year earlier ($130.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 16 compared published fees sit above the Virginia median; 13 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Flagship Checking
Can be waived with an average daily balance of $1,500 or more.
NSF / Returned Item
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.
Fee income rose 7.5% from Q3 2025 to Q2 2026, to $153.1M.
$153.1M
Navy Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Navy Federal Credit Union · $204.4B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Navy Federal Credit Union(this institution) | Vienna, VA | $204.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliant Federal Credit Union | Chicago, IL | $20B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America First Federal Credit Union | Riverdale, UT | $26B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boeing Employees Federal Credit Union | Tukwila, WA | $29.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Digital Federal Credit Union | Marlborough, MA | $27.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ent Federal Credit Union | Colorado Springs, CO | $19.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fourleaf Federal Credit Union | Bethpage, NY | $14.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Idaho Central Federal Credit Union | Chubbuck, ID | $15.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lake Michigan Federal Credit Union | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pentagon Federal Credit Union | Mclean, VA | $29.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Randolph-Brooks Federal Credit Union | Universal City, TX | $19.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Schoolsfirst Federal Credit Union | Santa Ana, CA | $37.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Employees' Federal Credit Union | Raleigh, NC | $60B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Suncoast Federal Credit Union | Tampa, FL | $20.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Golden 1 Federal Credit Union | Sacramento, CA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vystar Federal Credit Union | Jacksonville, FL | $14.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.99 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Navy Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $153.1M | +$8.8M | +6.1% |
| Q1 2026 | $144.3M | −$5.2M | −3.4% |
| Q4 2025 | $149.4M | +$7.0M | +4.9% |
| Q3 2025 | $142.4M | +$11.6M | +8.9% |
| Q2 2025 | $130.8M | −$21.3M | −14.0% |
| Q1 2025 | $152.1M | −$80.9M | −34.7% |
| Q4 2024 | $233.0M | −$2.8M | −1.2% |
| Q3 2024 | $235.9M | +$22.2M | +10.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Navy Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Flagship Checking Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Checking fee | $3Not compared: Quarterly charge, not monthly | per quarter | None |
| Checkbook balancing (repeated) | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection Fees: Transaction fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient funds/NSF (item returned unpaid) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM fees: Transfer | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| First-class USPS, new or replacement card | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Outgoing Wire Transfer | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Share Withdrawal Check (Cashier's Check - More than 2 checks per day) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment for a range/series of items (including checks and ACH debits) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment for a single item (including checks and ACH debits) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Check Deposits | $6Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Consumer loan late fee | $29Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late payment fee | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copy of Home Equity Line check | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Home Equity Line Check returned (due to non-sufficient funds) | $29Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned loan payment | $29Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned loan payment fee | No chargeBelow the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Tax Service Charge | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Navy Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
386 offices in 33 states (June 30, 2026)
Hover a state for its office count.
Cities with the most offices
| San Diego, CA | 14 |
| Virginia Beach, VA | 12 |
| Jacksonville, FL | 9 |
| Chesapeake, VA | 5 |
| Norfolk, VA | 5 |
| Pensacola, FL | 5 |
| El Paso, TX | 4 |
| Alexandria, VA | 3 |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Consumer complaints
8,747 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 1,856 |
| Incorrect information on your report | 1,445 |
| Attempts to collect debt not owed | 682 |
| Improper use of your report | 589 |
| Problem with a company's investigation into an existing problem | 503 |
| Problem with a lender or other company charging your account | 485 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Fee change alerts
We check once a day and send one email covering every change.