Lm Federal Credit Union

Headquarters: Baltimore, Maryland
Charter: Credit Union
Assets: $60.3M
Fed district: Richmond

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

Source: its fee schedule, read Nov 3, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Lm Federal Credit Union: $5
Lm Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Lm Federal Credit Union: $30
Lm Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Lm Federal Credit Union: $0.50 to $1.50
Lm Federal Credit Union: $0.50 to $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, 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).
Maryland: Banks and credit unions headquartered in Maryland 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 Lm Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee: No (audience not stated, treated as personal)$5
per month
Dormant Account$6
Free Checking: Applies if the account is inactive for 90-days$5
per month
Monthly Paper Statement Fee (waiver for under 18 or over 62)$1
per month

Overdraft & NSF

Returned Item Fee$30
Overdraft Transfer from Rediline Overdraft Loan (audience not stated, treated as personal)$5
Overdraft Transfer from Rediline Overdraft Loan$5

ATM & Card

Account Balances At a Foreign ATM$1
per item
Account Transfers at a Foreign ATM (audience not stated, treated as personal)$0.50
per item
ATM Withdrawals (10 per month)$1.50
Not compared: Monthly charge, not per item
per month
Foreign ATM Withdrawal Fee$1.50
Visa Check Card & Cirrus ATM Currency Conversion Fee (audience not stated, treated as personal)1.5%of the transaction

Wire Transfers

Wire Out Fee- Domestic$25
Wire Out Fee- International$40

Check Services

Cashiers Check Fee$5
Money Orders$1.25
Money Orders$1.75
per item
Check Printing (audience not stated, treated as personal)$18.69
Stop Payment Fee$20
Counter Checks$1
Cashing a check drawn on LM Federal$5
Photocopy of Paid Check and Checks Deposited (audience not stated, treated as personal)$2

Cash & Deposit

Coin Machine Fee3%
Returned Deposited or Cashed Item$10

Account Services

Notary Public$2
Notary Public Service$2
per item
Court attachments/account levy handling$75
Garnishment/Levy$75
per item
3rd Party Written Account Verification$5

Gift & Prepaid Cards

VISA Gift Cards$4.99

Other Fees

Duplicate statement of account or 1099/1098$3
Issuance of Duplicate Vehicle Lien Release for Non-members$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee: No (audience not stated, treated as personal)	$5	per month	None
Dormant Account	$6	Not stated	None
Free Checking: Applies if the account is inactive for 90-days	$5	per month	None
Monthly Paper Statement Fee (waiver for under 18 or over 62)	$1	per month	None
Overdraft & NSF
Returned Item Fee	$30	Not stated	None
Overdraft Transfer from Rediline Overdraft Loan (audience not stated, treated as personal)	$5	Not stated	None
Overdraft Transfer from Rediline Overdraft Loan	$5	Not stated	None
ATM & Card
Account Balances At a Foreign ATM	$1	per item	None
Account Transfers at a Foreign ATM (audience not stated, treated as personal)	$0.50	per item	None
ATM Withdrawals (10 per month)	$1.50Not compared: Monthly charge, not per item	per month	None
Foreign ATM Withdrawal Fee	$1.50	Not stated	None
Visa Check Card & Cirrus ATM Currency Conversion Fee (audience not stated, treated as personal)	1.5%of the transaction	Not stated	None
Wire Transfers
Wire Out Fee- Domestic	$25	Not stated	None
Wire Out Fee- International	$40	Not stated	None
Check Services
Cashiers Check Fee	$5	Not stated	None
Money Orders	$1.25	Not stated	None
Money Orders	$1.75	per item	None
Check Printing (audience not stated, treated as personal)	$18.69	Not stated	None
Stop Payment Fee	$20	Not stated	None
Counter Checks	$1	Not stated	None
Cashing a check drawn on LM Federal	$5	Not stated	None
Photocopy of Paid Check and Checks Deposited (audience not stated, treated as personal)	$2	Not stated	None
Cash & Deposit
Coin Machine Fee	3%	Not stated	None
Returned Deposited or Cashed Item	$10	Not stated	None
Account Services
Notary Public	$2	Not stated	None
Notary Public Service	$2	per item	None
Court attachments/account levy handling	$75	Not stated	None
Garnishment/Levy	$75	per item	None
3rd Party Written Account Verification	$5	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$4.99	Not stated	None
Other Fees
Duplicate statement of account or 1099/1098	$3	Not stated	None
Issuance of Duplicate Vehicle Lien Release for Non-members	$10	Not stated	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

Monthly Paper Statement Fee (waiver for under 18 or over 62)$1
per month

ATM & Card

ATM Withdrawals (10 per month)$1.50
Not compared: Monthly charge, not per item
per month

Check Services

Cashing a check drawn on LM Federal$5

Digital & Electronic

Bill Pay & Zelle$4.95
per month
Business accoutns: Internet Bill Pay$4.95
per month

Cash & Deposit

Coin Machine Fee3%

Account Services

Notary Public Service$2
per item
Court attachments/account levy handling$75

Other Fees

Duplicate statement of account or 1099/1098$3
Issuance of Duplicate Vehicle Lien Release for Non-members$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Paper Statement Fee (waiver for under 18 or over 62)	$1	per month	None
ATM & Card
ATM Withdrawals (10 per month)	$1.50Not compared: Monthly charge, not per item	per month	None
Check Services
Cashing a check drawn on LM Federal	$5	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$4.95	per month	None
Business accoutns: Internet Bill Pay	$4.95	per month	None
Cash & Deposit
Coin Machine Fee	3%	Not stated	None
Account Services
Notary Public Service	$2	per item	None
Court attachments/account levy handling	$75	Not stated	None
Other Fees
Duplicate statement of account or 1099/1098	$3	Not stated	None
Issuance of Duplicate Vehicle Lien Release for Non-members	$10	Not stated	None

Correct a fee source

Nov 3, 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.

Fee change alerts

Get an email when Lm Federal Credit Union's nsf / returned item changes in our data

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Fees against the market

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

Monthly Maintenance
Lm Federal Credit Union: $5
Lm Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Lm Federal Credit Union: $30
Lm Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Lm Federal Credit Union: $0.50 to $1.50
Lm Federal Credit Union: $0.50 to $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, 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).
Maryland: Banks and credit unions headquartered in Maryland 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 Lm Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee: No (audience not stated, treated as personal)$5
per month
Dormant Account$6
Free Checking: Applies if the account is inactive for 90-days$5
per month
Monthly Paper Statement Fee (waiver for under 18 or over 62)$1
per month

Overdraft & NSF

Returned Item Fee$30
Overdraft Transfer from Rediline Overdraft Loan (audience not stated, treated as personal)$5
Overdraft Transfer from Rediline Overdraft Loan$5

ATM & Card

Account Balances At a Foreign ATM$1
per item
Account Transfers at a Foreign ATM (audience not stated, treated as personal)$0.50
per item
ATM Withdrawals (10 per month)$1.50
Not compared: Monthly charge, not per item
per month
Foreign ATM Withdrawal Fee$1.50
Visa Check Card & Cirrus ATM Currency Conversion Fee (audience not stated, treated as personal)1.5%of the transaction

Wire Transfers

Wire Out Fee- Domestic$25
Wire Out Fee- International$40

Check Services

Cashiers Check Fee$5
Money Orders$1.25
Money Orders$1.75
per item
Check Printing (audience not stated, treated as personal)$18.69
Stop Payment Fee$20
Counter Checks$1
Cashing a check drawn on LM Federal$5
Photocopy of Paid Check and Checks Deposited (audience not stated, treated as personal)$2

Cash & Deposit

Coin Machine Fee3%
Returned Deposited or Cashed Item$10

Account Services

Notary Public$2
Notary Public Service$2
per item
Court attachments/account levy handling$75
Garnishment/Levy$75
per item
3rd Party Written Account Verification$5

Gift & Prepaid Cards

VISA Gift Cards$4.99

Other Fees

Duplicate statement of account or 1099/1098$3
Issuance of Duplicate Vehicle Lien Release for Non-members$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee: No (audience not stated, treated as personal)	$5	per month	None
Dormant Account	$6	Not stated	None
Free Checking: Applies if the account is inactive for 90-days	$5	per month	None
Monthly Paper Statement Fee (waiver for under 18 or over 62)	$1	per month	None
Overdraft & NSF
Returned Item Fee	$30	Not stated	None
Overdraft Transfer from Rediline Overdraft Loan (audience not stated, treated as personal)	$5	Not stated	None
Overdraft Transfer from Rediline Overdraft Loan	$5	Not stated	None
ATM & Card
Account Balances At a Foreign ATM	$1	per item	None
Account Transfers at a Foreign ATM (audience not stated, treated as personal)	$0.50	per item	None
ATM Withdrawals (10 per month)	$1.50Not compared: Monthly charge, not per item	per month	None
Foreign ATM Withdrawal Fee	$1.50	Not stated	None
Visa Check Card & Cirrus ATM Currency Conversion Fee (audience not stated, treated as personal)	1.5%of the transaction	Not stated	None
Wire Transfers
Wire Out Fee- Domestic	$25	Not stated	None
Wire Out Fee- International	$40	Not stated	None
Check Services
Cashiers Check Fee	$5	Not stated	None
Money Orders	$1.25	Not stated	None
Money Orders	$1.75	per item	None
Check Printing (audience not stated, treated as personal)	$18.69	Not stated	None
Stop Payment Fee	$20	Not stated	None
Counter Checks	$1	Not stated	None
Cashing a check drawn on LM Federal	$5	Not stated	None
Photocopy of Paid Check and Checks Deposited (audience not stated, treated as personal)	$2	Not stated	None
Cash & Deposit
Coin Machine Fee	3%	Not stated	None
Returned Deposited or Cashed Item	$10	Not stated	None
Account Services
Notary Public	$2	Not stated	None
Notary Public Service	$2	per item	None
Court attachments/account levy handling	$75	Not stated	None
Garnishment/Levy	$75	per item	None
3rd Party Written Account Verification	$5	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$4.99	Not stated	None
Other Fees
Duplicate statement of account or 1099/1098	$3	Not stated	None
Issuance of Duplicate Vehicle Lien Release for Non-members	$10	Not stated	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

Monthly Paper Statement Fee (waiver for under 18 or over 62)$1
per month

ATM & Card

ATM Withdrawals (10 per month)$1.50
Not compared: Monthly charge, not per item
per month

Check Services

Cashing a check drawn on LM Federal$5

Digital & Electronic

Bill Pay & Zelle$4.95
per month
Business accoutns: Internet Bill Pay$4.95
per month

Cash & Deposit

Coin Machine Fee3%

Account Services

Notary Public Service$2
per item
Court attachments/account levy handling$75

Other Fees

Duplicate statement of account or 1099/1098$3
Issuance of Duplicate Vehicle Lien Release for Non-members$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Paper Statement Fee (waiver for under 18 or over 62)	$1	per month	None
ATM & Card
ATM Withdrawals (10 per month)	$1.50Not compared: Monthly charge, not per item	per month	None
Check Services
Cashing a check drawn on LM Federal	$5	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$4.95	per month	None
Business accoutns: Internet Bill Pay	$4.95	per month	None
Cash & Deposit
Coin Machine Fee	3%	Not stated	None
Account Services
Notary Public Service	$2	per item	None
Court attachments/account levy handling	$75	Not stated	None
Other Fees
Duplicate statement of account or 1099/1098	$3	Not stated	None
Issuance of Duplicate Vehicle Lien Release for Non-members	$10	Not stated	None

Correct a fee source

Nov 3, 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.