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, $1B to $10B

Educational Systems Federal Credit Union

Greenbelt, MarylandCredit UnionRichmond Fed districtFees collected Oct 7, 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

Dividend Checking Account Monthly fee$10Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Maryland median
per item · Source
Returned Check/Overdraft/ACH Debit$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the Maryland median
per item · Source

Check ServicesVerified

Cashier’s Check$5Within the typical range ($3–$6 nationally)
At the national medianAt the Maryland median
per item · Source
Stop Payment$35Above the typical range ($20–$30 nationally)
$7.50 above the national median$7.50 above the Maryland median
per item · Source
Non-Member Check Cashing Fee$7Within the typical range ($5–$10 nationally)
$2 above the national median$2 above the Maryland median
Source

Account ServicesVerified

Notary Service (per seal)$4Within the typical range ($0–$5 nationally)
$1.50 above the national median$2 above the Maryland median
Source
Account Garnishments/Attachments$100Above the typical range ($30–$87.50 nationally)
$50 above the national medianAt the Maryland median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Dividend Checking Account Monthly fee	$10Within the typical range ($4–$10 nationally)	$4 above the national median$3.05 above the Maryland median	per month	—	Source
Business Checking (balance below )	$15Above the typical range ($5–$10 nationally)	$8 above the national median$6 above the Maryland median	per month	—	Source
Inactive Account	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Maryland median	per month	—	Source
Account Reconciliation/Research (one hour minimum)	$35Above the typical range ($12–$25 nationally)	$17.50 above the national median$17.50 above the Maryland median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the Maryland median	per item	—	Source
Returned Check/Overdraft/ACH Debit	$35
ATM & CardVerified
Lost Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national medianAt the Maryland median	—	—	Source
Wire TransfersVerified
Domestic Wire Transfer	$30Above the typical range ($20–$25 nationally)	$5 above the national median$5 above the Maryland median	per item	—	Source
Check ServicesVerified
Cashier’s Check	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Maryland median	per item	—	Source
Stop Payment	$35
Cash & DepositVerified
Returned Deposited Items	$35Above the typical range ($8–$25 nationally)	$20 above the national median$15 above the Maryland median	per item	—	Source
Account ServicesVerified
Notary Service (per seal)	$4Within the typical range ($0–$5 nationally)	$1.50 above the national median$2 above the Maryland median	—	—	Source
Account Garnishments/Attachments	$100
Gift & Prepaid CardsVerified
Visa® Gift Card	$3.95Within the typical range ($3–$4.95 nationally)	$0.45 above the national medianAt the Maryland median	per item	—	Source

Fee change alerts

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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

15 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$1.4B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.4B

Total deposits

$1.2B

Service charge income (year to date)

$5.3M

Fee income ratio

12.8%

Return on assets

0.89%

Financial profile · Pro

Performance from regulator filings

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