Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Freedom Of Maryland Federal Credit Union

Bel Air, MarylandCredit UnionRichmond Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation (minimum charge$12Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds (including ATM Debit Card Overdraft)$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source
Returned Checks$35Above the typical range ($25–$31 nationally)
$5 above the national median
per item · Source

Wire TransfersVerified

Incoming Wire Transfers$5Within the typical range ($5–$15 nationally)
$5 below the national median
Source
Outgoing Wire Transfers$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Check Copies$6Above the typical range ($2–$5 nationally)
$3 above the national median
per item · Source
Counter Checks$5Above the typical range ($1–$4 nationally)
$3 above the national median
Source
Non-Member Check Cashing Fee$10Within the typical range ($5–$10 nationally)
$5 above the national median
per item · Source

Account ServicesVerified

Court Order Copy$50Within the typical range ($35–$150 nationally)
$50 below the national median
Source
Garnishment Fee and Court Hold Order$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source
Notary Services $ Free for members$3Within the typical range ($0–$5 nationally)
$0.50 above the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation (minimum charge	$12Below the typical range ($20–$25 nationally)	$13 below the national median	—	—	Source
Closed Membership Account (if closed within 60 days	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	—	Source
Inactive Account	$7Within the typical range ($5–$10 nationally)	$2 above the national median	per month	—	Source
Paper Statement	$3Within the typical range ($2–$5 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds (including ATM Debit Card Overdraft)	$35Above the typical range ($25–$31 nationally)	$5 above the national median	per item	—	Source
Returned Checks	$35
Wire TransfersVerified
Incoming Wire Transfers	$5Within the typical range ($5–$15 nationally)	$5 below the national median	—	—	Source
Outgoing Wire Transfers	$25
Check ServicesVerified
Check Cashing	$5Within the typical range ($5–$10 nationally)	At the national median	per item	—	Source
Check Copies	$6
Digital & ElectronicVerified
Inactive Bill Pay	$7Within the typical range ($0–$10.15 nationally)	$2.05 above the national median	per month	—	Source
Account ServicesVerified
Court Order Copy	$50Within the typical range ($35–$150 nationally)	$50 below the national median	—	—	Source
Garnishment Fee and Court Hold Order	$100

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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

$35

Overdraft fee: $35

17% above the national median overdraft fee

Total fees: 16 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$557.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$557.4M

Total deposits

$495.0M

Service charge income (year to date)

$1.1M

Fee income ratio

6.4%

Return on assets

0.68%

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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Based on 32,718 verified fees from 2,439 institutions

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