Freedom Of Maryland Federal Credit Union

Headquarters: Bel Air, Maryland
Charter: Credit Union
Assets: $557.4M
Fed district: Richmond

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

Source: its fee schedule, read Nov 1, 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
Rewards Checking
Freedom Of Maryland Federal Credit Union: $10
Freedom Of Maryland Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Freedom Of Maryland Federal Credit Union: $35
Freedom Of Maryland Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Freedom Of Maryland Federal Credit Union: $35
Freedom Of Maryland Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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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Among its peers

Freedom Of Maryland Federal Credit Union · $557M 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 18 states.

Credit unions only
$532M to $583M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Freedom Of Maryland Federal Credit Union(this institution)	Bel Air, MD	$557M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Argent Federal Credit Union	Chesterfield, VA	$572M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arlington Community Federal Credit Union	Arlington, VA	$538M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cabrillo Federal Credit Union	San Diego, CA	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
City Of Boston Federal Credit Union	South Boston, MA	$544M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dutch Point Federal Credit Union	Wethersfield, CT	$565M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Firelands Federal Credit Union	Bellevue, OH	$580M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First New York Federal Credit Union	Albany, NY	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First U.S. Community Federal Credit Union	Sacramento, CA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Springfield, IL	$574M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lebanon Federal Credit Union	Lebanon, PA	$540M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid American Federal Credit Union	Wichita, KS	$532M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Otero Federal Credit Union	Alamogordo, NM	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Partners 1St Federal Credit Union	Fort Wayne, IN	$546M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peake Federal Credit Union	Towson, MD	$534M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pearl Hawaii Federal Credit Union	Waipahu, HI	$545M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pittsford Federal Credit Union	Pittsford, NY	$542M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Resource One Federal Credit Union	Dallas, TX	$555M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Simplicity Federal Credit Union	Marshfield, WI	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Soarion Federal Credit Union	San Antonio, TX	$556M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spectra Federal Credit Union	Alexandria, VA	$544M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Southern Federal Credit Union	Fayetteville, GA	$560M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U. T. Federal Credit Union	Knoxville, TN	$554M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
University Federal Credit Union	Orono, ME	$538M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (82%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.50 among 12 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 Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Freedom Of Maryland Feder…Peer (equal prices stack)Peer median

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 Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Rewards Checking Monthly service charge$10
per month
Closed Membership Account$25
per item
Escheat Processing$20
Inactive Account$7
per month
Paper Statement$3
per month

Overdraft & NSF

Non-Sufficient Funds (including ATM Debit Card Overdraft)$35
per item
Returned Checks$35
per item

ATM & Card

ATM Debit/Check Card or Credit Card Replacement Card$7
per item
Special RUSH shipping$25
per item

Wire Transfers

Outgoing Wire Transfers$25
Incoming Wire Transfers$5
per item

Check Services

Counter Checks$5
per item
Check Cashing$5
per item
Non-Member Check Cashing Fee$10
per item
Foreign Check Collection$25
per item
Check Copies$6
per item

Digital & Electronic

Inactive Bill Pay$7
per month

Account Services

Notary Services $ Free for members$3
per item
Garnishment Fee and Court Hold Order$100
per item
Court Order Copy$50
per item
Legal Document Review fee (if attorney reviewed)$75

Other Fees

Copy of Transaction Voucher, Deposit Slip/Visa Sales$6
per item
Fax, Photo, Imaged and Microfilm Copies$6
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Rewards Checking Monthly service charge	$10	per month	None
Closed Membership Account	$25	per item	None
Escheat Processing	$20	Not stated	None
Inactive Account	$7	per month	None
Paper Statement	$3	per month	None
Overdraft & NSF
Non-Sufficient Funds (including ATM Debit Card Overdraft)	$35	per item	None
Returned Checks	$35	per item	None
ATM & Card
ATM Debit/Check Card or Credit Card Replacement Card	$7	per item	None
Special RUSH shipping	$25	per item	None
Wire Transfers
Outgoing Wire Transfers	$25	Not stated	None
Incoming Wire Transfers	$5	per item	None
Check Services
Counter Checks	$5	per item	None
Check Cashing	$5	per item	None
Non-Member Check Cashing Fee	$10	per item	None
Foreign Check Collection	$25	per item	None
Check Copies	$6	per item	None
Digital & Electronic
Inactive Bill Pay	$7	per month	None
Account Services
Notary Services $ Free for members	$3	per item	None
Garnishment Fee and Court Hold Order	$100	per item	None
Court Order Copy	$50	per item	None
Legal Document Review fee (if attorney reviewed)	$75	Not stated	None
Other Fees
Copy of Transaction Voucher, Deposit Slip/Visa Sales	$6	per item	None
Fax, Photo, Imaged and Microfilm Copies	$6Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Nov 1, 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 Freedom Of Maryland Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Monthly Maintenance
Rewards Checking
Freedom Of Maryland Federal Credit Union: $10
Freedom Of Maryland Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Freedom Of Maryland Federal Credit Union: $35
Freedom Of Maryland Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Freedom Of Maryland Federal Credit Union: $35
Freedom Of Maryland Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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.

Among its peers

Freedom Of Maryland Federal Credit Union · $557M 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 18 states.

Credit unions only
$532M to $583M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Freedom Of Maryland Federal Credit Union(this institution)	Bel Air, MD	$557M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Argent Federal Credit Union	Chesterfield, VA	$572M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arlington Community Federal Credit Union	Arlington, VA	$538M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cabrillo Federal Credit Union	San Diego, CA	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
City Of Boston Federal Credit Union	South Boston, MA	$544M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dutch Point Federal Credit Union	Wethersfield, CT	$565M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Firelands Federal Credit Union	Bellevue, OH	$580M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First New York Federal Credit Union	Albany, NY	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First U.S. Community Federal Credit Union	Sacramento, CA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Springfield, IL	$574M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lebanon Federal Credit Union	Lebanon, PA	$540M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid American Federal Credit Union	Wichita, KS	$532M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Otero Federal Credit Union	Alamogordo, NM	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Partners 1St Federal Credit Union	Fort Wayne, IN	$546M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peake Federal Credit Union	Towson, MD	$534M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pearl Hawaii Federal Credit Union	Waipahu, HI	$545M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pittsford Federal Credit Union	Pittsford, NY	$542M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Resource One Federal Credit Union	Dallas, TX	$555M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Simplicity Federal Credit Union	Marshfield, WI	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Soarion Federal Credit Union	San Antonio, TX	$556M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spectra Federal Credit Union	Alexandria, VA	$544M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Southern Federal Credit Union	Fayetteville, GA	$560M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U. T. Federal Credit Union	Knoxville, TN	$554M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
University Federal Credit Union	Orono, ME	$538M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (82%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $5.50 among 12 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 Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Freedom Of Maryland Feder…Peer (equal prices stack)Peer median

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 Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

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

Account Maintenance

Rewards Checking Monthly service charge$10
per month
Closed Membership Account$25
per item
Escheat Processing$20
Inactive Account$7
per month
Paper Statement$3
per month

Overdraft & NSF

Non-Sufficient Funds (including ATM Debit Card Overdraft)$35
per item
Returned Checks$35
per item

ATM & Card

ATM Debit/Check Card or Credit Card Replacement Card$7
per item
Special RUSH shipping$25
per item

Wire Transfers

Outgoing Wire Transfers$25
Incoming Wire Transfers$5
per item

Check Services

Counter Checks$5
per item
Check Cashing$5
per item
Non-Member Check Cashing Fee$10
per item
Foreign Check Collection$25
per item
Check Copies$6
per item

Digital & Electronic

Inactive Bill Pay$7
per month

Account Services

Notary Services $ Free for members$3
per item
Garnishment Fee and Court Hold Order$100
per item
Court Order Copy$50
per item
Legal Document Review fee (if attorney reviewed)$75

Other Fees

Copy of Transaction Voucher, Deposit Slip/Visa Sales$6
per item
Fax, Photo, Imaged and Microfilm Copies$6
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Rewards Checking Monthly service charge	$10	per month	None
Closed Membership Account	$25	per item	None
Escheat Processing	$20	Not stated	None
Inactive Account	$7	per month	None
Paper Statement	$3	per month	None
Overdraft & NSF
Non-Sufficient Funds (including ATM Debit Card Overdraft)	$35	per item	None
Returned Checks	$35	per item	None
ATM & Card
ATM Debit/Check Card or Credit Card Replacement Card	$7	per item	None
Special RUSH shipping	$25	per item	None
Wire Transfers
Outgoing Wire Transfers	$25	Not stated	None
Incoming Wire Transfers	$5	per item	None
Check Services
Counter Checks	$5	per item	None
Check Cashing	$5	per item	None
Non-Member Check Cashing Fee	$10	per item	None
Foreign Check Collection	$25	per item	None
Check Copies	$6	per item	None
Digital & Electronic
Inactive Bill Pay	$7	per month	None
Account Services
Notary Services $ Free for members	$3	per item	None
Garnishment Fee and Court Hold Order	$100	per item	None
Court Order Copy	$50	per item	None
Legal Document Review fee (if attorney reviewed)	$75	Not stated	None
Other Fees
Copy of Transaction Voucher, Deposit Slip/Visa Sales	$6	per item	None
Fax, Photo, Imaged and Microfilm Copies	$6Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Nov 1, 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.