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

Direct Federal Credit Union

Needham, MassachusettsCredit UnionBoston 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

Inactive Account Fee:………………………………………………………………….$5Within the typical range ($5–$10 nationally)

Monthly Maintenance Fee:………………………………………………….$10

$4 above the national median

per month · Source

The ATM owner may also assess a surcharge fee. | Account Research/Reconciliation(per hour):……………………………$20

$5 below the national median

Source

Overdraft & NSFVerified

Courtesy Pay & Courtesy Pay Plus:………………………………………$30Within the typical range ($25–$31 nationally)
At the national median
Source

ATM & CardVerified

ATM and Debit Card Replacement Fee:………………...…..………………$10Within the typical range ($5–$10 nationally)
At the national median
Source
ATM transactions from savings or checking…………………………….$2Within the typical range ($1–$2.50 nationally)
$0.37 above the national median
Source

Wire TransfersVerified

othersdependsonstyleandquantityselected. | Incoming Wire Transfers:…………………………………………………………$10Within the typical range ($5–$15 nationally)
At the national median
Source

Check ServicesVerified

Courtesy Pay & Courtesy Pay Plus: | Check Copy (each):……………………………………………………………………$3Within the typical range ($2–$5 nationally)
At the national median
Source

Cash & DepositVerified

Return Deposited Item:…………………………………………………………….$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source

Account ServicesVerified

Levy Summons:……………………………………………………………………….$30Within the typical range ($30–$75 nationally)
$20 below the national median
Source
Subordination Request:…………………………………………………………$150Within the typical range ($35–$150 nationally)
$50 above the national median
Source

Retirement & IRAVerified

IRA AccountTrustee Transfer:…………………………………………………….$25Within the typical range ($25–$35 nationally)
At the national median
Source

Other FeesVerified

Statement copy (each):……………………………………………………………….$3Within the typical range ($2–$5 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Inactive Account Fee:………………………………………………………………….	$5Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Monthly Maintenance Fee:………………………………………………….	$10Within the typical range ($3–$10 nationally)	$4 above the national median	per month	—	Source
The ATM owner may also assess a surcharge fee. \| Account Research/Reconciliation(per hour):……………………………	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay & Courtesy Pay Plus:………………………………………	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
ATM & CardVerified
ATM and Debit Card Replacement Fee:………………...…..………………	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
ATM transactions from savings or checking…………………………….	$2
Wire TransfersVerified
othersdependsonstyleandquantityselected. \| Incoming Wire Transfers:…………………………………………………………	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Check ServicesVerified
Courtesy Pay & Courtesy Pay Plus: \| Check Copy (each):……………………………………………………………………	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Cash & DepositVerified
Return Deposited Item:…………………………………………………………….	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
Levy Summons:……………………………………………………………………….	$30Within the typical range ($30–$75 nationally)	$20 below the national median	—	—	Source
Subordination Request:…………………………………………………………	$150
Retirement & IRAVerified
IRA AccountTrustee Transfer:…………………………………………………….	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Statement copy (each):……………………………………………………………….	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source

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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

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 13 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$794.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$794.7M

Total deposits

$622.0M

Service charge income (year to date)

$254K

Fee income ratio

1.3%

Return on assets

0.18%

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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