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, under $300M

Ferko Md Federal Credit Union

Frederick, MarylandCredit UnionRichmond Fed districtFees collected Oct 4, 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 research/Reconciliation$15Below the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Insufficient Funds (NSF) Fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
Source
Overdraft Transfer (ODT) Fee$25Above the typical range ($3–$5 nationally)
$20 above the national median
Source

Account ServicesVerified

Deposit Account Verification$5Below the typical range ($10–$15 nationally)
$5 below the national median
Source
Garnishment, tax levies, court orders$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account research/Reconciliation	$15Below the typical range ($20–$25 nationally)	$10 below the national median	—	—	Source
Bad Address Returned Statement	$0Below the typical range ($20–$25 nationally)	$25 below the national median	—	—	Source
Dormant account fee (after 30 months with no activity)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds (NSF) Fee	$25Within the typical range ($25–$31 nationally)	$5 below the national median	—	—	Source
Overdraft Transfer (ODT) Fee	$25
ATM & CardVerified
Replacement ATM/Credit/PIN	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Copy of cancelled check Ferko or PNC	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
Account ServicesVerified
Deposit Account Verification	$5Below the typical range ($10–$15 nationally)	$5 below the national median	—	—	Source
Garnishment, tax levies, court orders	$25
Other FeesVerified
Copy of Statement Interim or Quarterly	$5Within the typical range ($2–$5 nationally)	$2 above 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.

NSF fee: $25

17% below the national median NSF fee

Total fees: 10 — leaner than most institutions

Headline fees published

3 of 15

Published fees

Under review

Assets

$30.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$30.1M

Total deposits

$24.2M

Service charge income (year to date)

$13K

Fee income ratio

2.0%

Return on assets

1.93%

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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