Direct Federal Credit Union

Headquarters: Needham, Massachusetts
Charter: Credit Union
Assets: $794.7M
Fed district: Boston

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

Source: its fee schedule, read Oct 15, 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
Direct Federal Credit Union: $10
Direct Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Direct Federal Credit Union: $30
Direct Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Direct Federal Credit Union: $2
Direct Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston 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).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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

Direct Federal Credit Union · $795M 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 20 states.

Credit unions only
$763M to $827M in assets
Headquartered in 20 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
Direct Federal Credit Union(this institution)	Needham, MA	$795M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Air Academy Federal Credit Union	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Christian Federal Credit Union	Glendora, CA	$820M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bayer Heritage Federal Credit Union	New Martinsville, WV	$801M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caribe Federal Credit Union	San Juan, PR	$800M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Georgia	Woodstock, GA	$766M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dover-Phila Federal Credit Union	Dover, OH	$813M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Family Trust Federal Credit Union	Rock Hill, SC	$805M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Credit Union	Chandler, AZ	$812M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Freedom Federal Credit Union	Springfield, MA	$764M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frontier Federal Credit Union	Idaho Falls, ID	$822M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Bay Federal Credit Union	Braintree, MA	$827M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Institutes Of Health Federal Credit Union	Rockville, MD	$817M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathways Financial Federal Credit Union	Columbus, OH	$772M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Polish National Federal Credit Union	Chicopee, MA	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Profed Federal Credit Union	Fort Wayne, IN	$763M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliant Community Federal Credit Union	Sodus, NY	$788M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sea Comm Federal Credit Union	Massena, NY	$777M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Smart Financial Federal Credit Union	Houston, TX	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Solarity Federal Credit Union	Yakima, WA	$804M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texell Federal Credit Union	Temple, TX	$801M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Federal Credit Union	Middletown, RI	$811M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
True Sky Federal Credit Union	Oklahoma City, OK	$778M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $7.50 among 18 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Direct Federal Credit Uni…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 Nov 1, 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 Direct Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$10
per month
Inactive Account Fee$5
Account Research/Reconciliation(per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (OD)$30

ATM & Card

ATM transactions from savings or checking$2
No Checking ATM Savings Transaction and InquiryFees (each)$2
per item
ATM and Debit Card Replacement Fee$10

Wire Transfers

Incoming Wire Transfers$10

Check Services

Check Copy (each)$3
per item

Cash & Deposit

Return Deposited Item$10

Account Services

Levy Summons$30
Legal Process/Subpoena$150

Retirement & IRA

IRA AccountTrustee Transfer$25

Other Fees

Statement copy (each)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$10	per month	None
Inactive Account Fee	$5	Not stated	None
Account Research/Reconciliation(per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (OD)	$30	Not stated	None
ATM & Card
ATM transactions from savings or checking	$2	Not stated	None
No Checking ATM Savings Transaction and InquiryFees (each)	$2	per item	None
ATM and Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Incoming Wire Transfers	$10	Not stated	None
Check Services
Check Copy (each)	$3	per item	None
Cash & Deposit
Return Deposited Item	$10	Not stated	None
Account Services
Levy Summons	$30	Not stated	None
Legal Process/Subpoena	$150	Not stated	None
Retirement & IRA
IRA AccountTrustee Transfer	$25	Not stated	None
Other Fees
Statement copy (each)	$3	per item	None

Correct a fee source

Oct 15, 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 Direct Federal Credit Union's cashier's check 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
Direct Federal Credit Union: $10
Direct Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Direct Federal Credit Union: $30
Direct Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Direct Federal Credit Union: $2
Direct Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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

Direct Federal Credit Union · $795M 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 20 states.

Credit unions only
$763M to $827M in assets
Headquartered in 20 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
Direct Federal Credit Union(this institution)	Needham, MA	$795M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Air Academy Federal Credit Union	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Christian Federal Credit Union	Glendora, CA	$820M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bayer Heritage Federal Credit Union	New Martinsville, WV	$801M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caribe Federal Credit Union	San Juan, PR	$800M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Georgia	Woodstock, GA	$766M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dover-Phila Federal Credit Union	Dover, OH	$813M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Family Trust Federal Credit Union	Rock Hill, SC	$805M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Credit Union	Chandler, AZ	$812M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Freedom Federal Credit Union	Springfield, MA	$764M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frontier Federal Credit Union	Idaho Falls, ID	$822M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Bay Federal Credit Union	Braintree, MA	$827M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Institutes Of Health Federal Credit Union	Rockville, MD	$817M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathways Financial Federal Credit Union	Columbus, OH	$772M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Polish National Federal Credit Union	Chicopee, MA	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Profed Federal Credit Union	Fort Wayne, IN	$763M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliant Community Federal Credit Union	Sodus, NY	$788M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sea Comm Federal Credit Union	Massena, NY	$777M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Smart Financial Federal Credit Union	Houston, TX	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Solarity Federal Credit Union	Yakima, WA	$804M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texell Federal Credit Union	Temple, TX	$801M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Peoples Federal Credit Union	Middletown, RI	$811M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
True Sky Federal Credit Union	Oklahoma City, OK	$778M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $7.50 among 18 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Direct Federal Credit Uni…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 Nov 1, 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 Direct Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Fee$10
per month
Inactive Account Fee$5
Account Research/Reconciliation(per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (OD)$30

ATM & Card

ATM transactions from savings or checking$2
No Checking ATM Savings Transaction and InquiryFees (each)$2
per item
ATM and Debit Card Replacement Fee$10

Wire Transfers

Incoming Wire Transfers$10

Check Services

Check Copy (each)$3
per item

Cash & Deposit

Return Deposited Item$10

Account Services

Levy Summons$30
Legal Process/Subpoena$150

Retirement & IRA

IRA AccountTrustee Transfer$25

Other Fees

Statement copy (each)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Fee	$10	per month	None
Inactive Account Fee	$5	Not stated	None
Account Research/Reconciliation(per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (OD)	$30	Not stated	None
ATM & Card
ATM transactions from savings or checking	$2	Not stated	None
No Checking ATM Savings Transaction and InquiryFees (each)	$2	per item	None
ATM and Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Incoming Wire Transfers	$10	Not stated	None
Check Services
Check Copy (each)	$3	per item	None
Cash & Deposit
Return Deposited Item	$10	Not stated	None
Account Services
Levy Summons	$30	Not stated	None
Legal Process/Subpoena	$150	Not stated	None
Retirement & IRA
IRA AccountTrustee Transfer	$25	Not stated	None
Other Fees
Statement copy (each)	$3	per item	None

Correct a fee source

Oct 15, 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.