Navy Federal Credit Union

Headquarters: Vienna, Virginia
Charter: Credit Union
Assets: $204.4B
Fed district: Richmond

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

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

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Fees against the market

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

Monthly Maintenance
Flagship Checking
Can be waived with an average daily balance of $1,500 or more.
Navy Federal Credit Union: $10
Navy Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Navy Federal Credit Union: $20
Navy Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Navy Federal Credit Union: No fee
Navy Federal Credit Union: No fee
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.

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Published fee schedule

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

Account Maintenance

Flagship Checking Monthly Fee$10
per month
Dormant Checking fee$3
Not compared: Quarterly charge, not monthly
per quarter
Checkbook balancing (repeated)$5

Overdraft & NSF

Overdraft fee$20
per item
Overdraft Protection Fees: Transaction fee$20
Non-sufficient funds/NSF (item returned unpaid)No charge

ATM & Card

ATM fees: Transfer$1
First-class USPS, new or replacement cardNo charge

Wire Transfers

Domestic Outgoing Wire Transfer$20
Incoming Wire TransferNo charge
International Outgoing Wire Transfer$25

Check Services

Share Withdrawal Check (Cashier's Check - More than 2 checks per day)$5
per item
Stop payment for a range/series of items (including checks and ACH debits)$25
Stop payment for a single item (including checks and ACH debits)$20
Check copies$1
per item

Cash & Deposit

Returned Check Deposits$6

Lending Fees

Consumer loan late fee$29
Late payment fee$20

Other Fees

Copy of Home Equity Line check$1
per item
Home Equity Line Check returned (due to non-sufficient funds)$29
Returned loan payment$29
Returned loan payment feeNo charge
Tax Service Charge$25

Fee	Amount	Basis	Note
Account Maintenance
Flagship Checking Monthly Fee	$10	per month	None
Dormant Checking fee	$3Not compared: Quarterly charge, not monthly	per quarter	None
Checkbook balancing (repeated)	$5	Not stated	None
Overdraft & NSF
Overdraft fee	$20	per item	None
Overdraft Protection Fees: Transaction fee	$20	Not stated	None
Non-sufficient funds/NSF (item returned unpaid)	No charge	Not stated	None
ATM & Card
ATM fees: Transfer	$1	Not stated	None
First-class USPS, new or replacement card	No charge	Not stated	None
Wire Transfers
Domestic Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	No charge	Not stated	None
International Outgoing Wire Transfer	$25	Not stated	None
Check Services
Share Withdrawal Check (Cashier's Check - More than 2 checks per day)	$5	per item	None
Stop payment for a range/series of items (including checks and ACH debits)	$25	Not stated	None
Stop payment for a single item (including checks and ACH debits)	$20	Not stated	None
Check copies	$1	per item	None
Cash & Deposit
Returned Check Deposits	$6	Not stated	None
Lending Fees
Consumer loan late fee	$29	Not stated	None
Late payment fee	$20	Not stated	None
Other Fees
Copy of Home Equity Line check	$1	per item	None
Home Equity Line Check returned (due to non-sufficient funds)	$29	Not stated	None
Returned loan payment	$29	Not stated	None
Returned loan payment fee	No charge	Not stated	None
Tax Service Charge	$25	Not stated	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.

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