Compared with Maryland
7 of 24
compared fees are above the median.
11 below, 6 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
17th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 24 compared; 11 below, 6 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Mid-Atlantic 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 Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mid-Atlantic Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (17th 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 $260K in Q2 2026, 5.3% above the same quarter a year earlier ($247K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 24 compared published fees sit above the Maryland median; 11 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 Maryland medians for fees published by banks and credit unions.
Monthly Maintenance
Simple Checking
Overdraft (OD)
NSF / Returned Item
Compared at $23, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 2.6% from Q3 2025 to Q2 2026, to $260K. Its share of revenue, 4.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$260K
Mid-Atlantic 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.
Mid-Atlantic Federal Credit Union · $443M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mid-Atlantic Federal Credit Union(this institution) | Germantown, MD | $443M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aerospace Federal Credit Union | Los Angeles, CA | $446M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Assemblies Of God Federal Credit Union | Springfield, MO | $450M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baton Rouge Telco Federal Credit Union | Baton Rouge, LA | $458M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boston Firefighters Federal Credit Union | Dorchester, MA | $453M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Centric Federal Credit Union | West Monroe, LA | $448M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Credit Union | Littleton, CO | $442M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cse Federal Credit Union | Lake Charles, LA | $446M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Community Federal Credit Union | Fort Atkinson, WI | $450M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gain Federal Credit Union | Burbank, CA | $454M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Infuze Federal Credit Union | Fort Leonard Wood, MO | $457M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southeastern Federal Credit Union | Valdosta, GA | $441M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Cloud Financial Federal Credit Union | Sartell, MN | $456M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Louis Community Federal Credit Union | Saint Louis, MO | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wmcu Federal Credit Union | Grand Rapids, MI | $455M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $4.50 among 11 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
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.
Call reports for Mid-Atlantic 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 | $260K | −$3K | −1.1% |
| Q1 2026 | $263K | −$5K | −1.9% |
| Q4 2025 | $268K | +$1K | +0.4% |
| Q3 2025 | $267K | +$20K | +8.1% |
| Q2 2025 | $247K | −$11K | −4.3% |
| Q1 2025 | $258K | −$14K | −5.1% |
| Q4 2024 | $272K | −$2K | −0.7% |
| Q3 2024 | $274K | +$4K | +1.5% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Mid-Atlantic 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 Mid-Atlantic Federal Credit Union by share.
Amounts from Mid-Atlantic 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
per month
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Simple Checking monthly maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking fall below minimum balance | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive account (monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation per hour or fraction | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address Fee (monthly) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Privilege Pay | $31Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF / Overdrawn Account | $31Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Check Re-post | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transaction | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Rush | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Credit Card Foreign Transaction (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic Outgoing | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Domestic Outgoing (online) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: International Outgoing | $90Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer: International Outgoing (online) | $80Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Stop Pay | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment In Branch | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Online | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check (4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| On-us Check Cashing (non-member only) | $20.99Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Collection | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy (through internet) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Visa Draft Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| MAFCU ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination Return | $15Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Standard bill payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Credit Card Cash Advance | 3%of the advance | Not stated | None |
| Credit Card Cash Advance (audience not stated, treated as personal) | 3%of the advance | Not stated | None |
| Return Deposit Item | $15Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary (Member) per seal | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment / IRS Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Payment (audience not stated, treated as personal) | 5%($25 minimum) | Not stated | None |
| Loan Modification Processing Charge | $250Above the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Loan Modification Processing Charge | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Payoff Request | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 19, 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 Mid-Atlantic Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Gaithersburg, MD | 2 |
| Germantown, MD | 1 |
| Silver Spring, MD | 1 |
Largest competitors nearby
Local market: Montgomery county, MD, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Forbright Bank | 13.7% |
| Capital One, National Association | 13.4% |
| Bank of America, National Association | 13.1% |
| EagleBank | 11.3% |
| Truist Bank | 9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.