Compared with Massachusetts
0 of 5
compared fees are above the median.
4 below, 1 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
5th percentile; peer median 5.1%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 5 compared; 4 below, 1 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Digital 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 22 credit unions with $10B to $50B 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 Massachusetts median | Published fees above the Massachusetts median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Digital Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 1.3% of revenue, below the 5.1% median of 22 credit unions with $10B to $50B in assets (5th 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 $6.1M in Q2 2026, 242% above the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 5 compared published fees sit above the Massachusetts median; 4 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 Massachusetts medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Massachusetts, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 244% from Q3 2025 to Q2 2026, to $6.1M. Its share of revenue, 1.3%, is below the 5.1% median for credit unions with $10B to $50B in assets.
$6.1M
Digital 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 22 credit unions with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Digital Federal Credit Union · $27.9B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Digital Federal Credit Union(this institution) | Marlborough, MA | $27.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliant Federal Credit Union | Chicago, IL | $20B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America First Federal Credit Union | Riverdale, UT | $26B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boeing Employees Federal Credit Union | Tukwila, WA | $29.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ent Federal Credit Union | Colorado Springs, CO | $19.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fourleaf Federal Credit Union | Bethpage, NY | $14.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Idaho Central Federal Credit Union | Chubbuck, ID | $15.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lake Michigan Federal Credit Union | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pentagon Federal Credit Union | Mclean, VA | $29.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Randolph-Brooks Federal Credit Union | Universal City, TX | $19.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Schoolsfirst Federal Credit Union | Santa Ana, CA | $37.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Star One Federal Credit Union | Sunnyvale, CA | $9.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Suncoast Federal Credit Union | Tampa, FL | $20.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Golden 1 Federal Credit Union | Sacramento, CA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vystar Federal Credit Union | Jacksonville, FL | $14.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $6.48 among 12 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 2, 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Digital 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 | $6.1M | −$150K | −2.4% |
| Q1 2026 | $6.3M | +$4.5M | +252.1% |
| Q4 2025 | $1.8M | +$3K | +0.2% |
| Q3 2025 | $1.8M | −$11K | −0.6% |
| Q2 2025 | $1.8M | −$249K | −12.2% |
| Q1 2025 | $2.0M | −$218K | −9.6% |
| Q4 2024 | $2.3M | +$511K | +29.2% |
| Q3 2024 | $1.8M | +$143K | +8.9% |
Financial cohort: 23 credit unions with $10B to $50B in assets filing for Q2 2026; 22 reported a share above 0% and are counted, Digital 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 Digital Federal Credit Union by share.
Amounts from Digital Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item Paid fee | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid - Nonsufficient Funds (Overdraft Item Paid) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned - Nonsufficient Funds | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-DCU ATM Transaction Fee | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign Currency Conversion Fee (Visa Credit Card) | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | per transaction | None |
Check Services | |||
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Transaction | No chargeNot compared: Per-transaction charge, not monthly | per transaction | None |
| Overnight check convenience fee | $30Not compared: Per-transaction charge, not monthly | per transaction | None |
Other Fees | |||
| Courier Charge (Domestic & International) | $20Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Courier Charge (Domestic & International) - Expedited | $20Inside the U.S. middle 50% ($20 to $40 nationally) | per transaction | 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 9, 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 Digital Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
64 offices in 9 states (June 30, 2026)
Hover a state for its office count.
Cities with the most offices
| Hillsboro, OR | 5 |
| Marlborough, MA | 3 |
| Worcester, MA | 3 |
| Andover, MA | 2 |
| Beaverton, OR | 2 |
| Bellevue, WA | 2 |
| Redmond, WA | 2 |
| San Jose, CA | 2 |
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.