Compared with Washington DC
8 of 21
compared fees are above the median.
9 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
59th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington DC median
of 21 compared; 9 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Department Of Commerce Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Washington DC median | Published fees above the Washington DC median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Department Of Commerce Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.0% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (59th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $835K in Q2 2026, 6.7% below the same quarter a year earlier ($895K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 21 compared published fees sit above the Washington DC median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Washington DC medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Overdraft (OD)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Washington DC, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 15% from Q3 2025 to Q2 2026, to $835K. Its share of revenue, 9.0%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$835K
Department Of Commerce Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Department Of Commerce Federal Credit Union · $739M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Department Of Commerce Federal Credit Union(this institution) | Washington, DC | $739M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cpm Federal Credit Union | North Charleston, SC | $759M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dakotaland Federal Credit Union | Huron, SD | $752M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gfa Federal Credit Union | Gardner, MA | $747M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Granite State Federal Credit Union | Manchester, NH | $749M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Choice Federal Credit Union | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma Central Federal Credit Union | Tulsa, OK | $760M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Federal Credit Union | Mountain Home, ID | $744M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Primeway Federal Credit Union | Houston, TX | $736M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| R.I.A. Federal Credit Union | Rock Island, IL | $749M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First Financial Federal Credit Union | Pasadena, CA | $748M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Usc Federal Credit Union | Los Angeles, CA | $741M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $6 among 17 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Department Of Commerce Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $835K | −$395K | −32.1% |
| Q1 2026 | $1.2M | +$464K | +60.6% |
| Q4 2025 | $766K | −$215K | −21.9% |
| Q3 2025 | $981K | +$86K | +9.6% |
| Q2 2025 | $895K | +$76K | +9.3% |
| Q1 2025 | $819K | −$1.2M | −58.9% |
| Q4 2024 | $2.0M | +$2.0M | +199300.0% |
| Q3 2024 | $1K | −$1.8M | −99.9% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Department Of Commerce Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Department Of Commerce Federal Credit Union by share.
Amounts from Department Of Commerce Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Reconciliation/Research (per hour) | $25.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within Six Months | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatable Account | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Inactive Account after 1 year | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Research (per hour) | $25.00 |
| Returned Mail for Invalid Address (> 1 piece) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/Overdraft/Unavailable/Check Guard | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| EFT Returned Item | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawal at Non-DOCFCU ATM | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (International) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Information Retrieval for Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check Fee (8 checks) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee (Share Account) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items (Domestic) | $13.50Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Items (Foreign) | $26Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of Money Order | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance (non DOCFCU card) 3% | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Deposited Item | $35Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (Non Members) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy/Garnishment/Legal Action | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| VISA Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Trustee Transfer/Termination | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (monthly) | $5Not compared: Monthly charge, not per item | per month | None |
| Lien Satisfaction Letter | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip a Payment Fee (per loan) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
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.
Where Department Of Commerce Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Silver Spring, MD | 1 |
| Washington, DC | 1 |
Largest competitors nearby
Local market: District of Columbia county, DC, around its headquarters.
| 62 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 26.5% |
| Wells Fargo Bank, National Association | 19.1% |
| PNC Bank, National Association | 13.5% |
| Truist Bank | 8% |
| Citibank, National Association | 6.8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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