Virginia Federal Credit Union

Headquarters: Richmond, Virginia
Charter: Credit Union
Assets: $7.4B
Fed district: Richmond

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 26, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Virginia Federal Credit Union: $9.95
Virginia Federal Credit Union: $9.95
U.S. median: no median
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Virginia Federal Credit Union: $20 to $35
Virginia Federal Credit Union: $20 to $35
U.S. median: no median
NSF / Returned Item
Virginia Federal Credit Union: $35
Virginia Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Virginia Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$9.95
per month
Account research/balancing account statement - per hour$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$10

Overdraft & NSF

Paid NSF fee (Each additional item is) (audience not stated, treated as personal)$35
per item
Paid NSF fee (First item per calendar year) (audience not stated, treated as personal)$20
Returned ACH debit from a savings account$35
Daily fee$5
per day
Overdraft transfer fee (maximum 1 fee per day, even if multiple overdraft sources are accessed)$5
Not compared: Daily charge, not per item
per day

ATM & Card

Each network ATM balance inquiry (includes merchant inquiry)$1
per item
Each network ATM withdrawal over 4 per month from a checking account$2
per item
Debit card or credit card replacement$5
Foreign TransactionNo charge

Wire Transfers

Wire transfer: Domestic (outgoing)$20
Wire transfer: International (outgoing)$50

Check Services

Official check from a savings or checking account (excludes QuikLine Phone Banking requests)$5
Money order$4
Easily order checks online or by phone$20
Stop payment on check, EFT debit or automatic draft$35
Counter checks (quantities of four)$1
Returned check (cashed or deposited - requires collection effort)$35
Returned check (cashed or deposited - requires collection effort)$35
Copy of non-VACU item (per item)$1
per item

Cash & Deposit

Cash AdvanceNo charge

Account Services

Price varies per size: 2x5$25
Safe Deposit Box 10x10$125
Safe Deposit Box 10x10 (audience not stated, treated as personal)$125
Safe Deposit Box 15x10 (audience not stated, treated as personal)$125
Safe Deposit Box 3x10$75
Safe Deposit Box 3x10 (audience not stated, treated as personal)$75
Safe Deposit Box 3x5$50
Safe Deposit Box 3x5 (audience not stated, treated as personal)$50
Safe Deposit Box 5x10 (audience not stated, treated as personal)$75
Safe Deposit Box 7x10 (audience not stated, treated as personal)$75
Safe Deposit Box Drilling Fee$200
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key$30
Not compared: Box drilling or key fee
Levy, lien & garnishment processing fee$100

Retirement & IRA

IRA Termination$25

Other Fees

Copy of or inquiry about any type of check$1
Copy of statement$2

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$9.95	per month	None
Account research/balancing account statement - per hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$10	Not stated	None
Overdraft & NSF
Paid NSF fee (Each additional item is) (audience not stated, treated as personal)	$35	per item	None
Paid NSF fee (First item per calendar year) (audience not stated, treated as personal)	$20	Not stated	None
Returned ACH debit from a savings account	$35	Not stated	None
Daily fee	$5	per day	None
Overdraft transfer fee (maximum 1 fee per day, even if multiple overdraft sources are accessed)	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
Each network ATM balance inquiry (includes merchant inquiry)	$1	per item	None
Each network ATM withdrawal over 4 per month from a checking account	$2	per item	None
Debit card or credit card replacement	$5	Not stated	None
Foreign Transaction	No charge	Not stated	None
Wire Transfers
Wire transfer: Domestic (outgoing)	$20	Not stated	None
Wire transfer: International (outgoing)	$50	Not stated	None
Check Services
Official check from a savings or checking account (excludes QuikLine Phone Banking requests)	$5	Not stated	None
Money order	$4	Not stated	None
Easily order checks online or by phone	$20	Not stated	None
Stop payment on check, EFT debit or automatic draft	$35	Not stated	None
Counter checks (quantities of four)	$1	Not stated	None
Returned check (cashed or deposited - requires collection effort)	$35	Not stated	None
Returned check (cashed or deposited - requires collection effort)	$35	Not stated	None
Copy of non-VACU item (per item)	$1	per item	None
Cash & Deposit
Cash Advance	No charge	Not stated	None
Account Services
Price varies per size: 2x5	$25	Not stated	None
Safe Deposit Box 10x10	$125	Not stated	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$125	Not stated	None
Safe Deposit Box 15x10 (audience not stated, treated as personal)	$125	Not stated	None
Safe Deposit Box 3x10	$75	Not stated	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 3x5	$50	Not stated	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 7x10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box Drilling Fee	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key	$30Not compared: Box drilling or key fee	Not stated	None
Levy, lien & garnishment processing fee	$100	Not stated	None
Retirement & IRA
IRA Termination	$25	Not stated	None
Other Fees
Copy of or inquiry about any type of check	$1	Not stated	None
Copy of statement	$2	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

Correct a fee source

Oct 26, 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.

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