Compared with Virginia
10 of 20
compared fees are above the median.
6 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
55th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 20 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Virginia 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 452 credit unions with $1B to $10B 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Virginia Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q4 2024 to Q2 2026, standalone quarters
Fee income was 7.0% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (55th 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 $8.5M in Q2 2026, 3.8% below the same quarter a year earlier ($8.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 20 compared published fees sit above the Virginia median; 6 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 Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
NSF / Returned Item
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.
Fee income fell 7.8% from Q3 2025 to Q2 2026, to $8.5M. Its share of revenue, 7.0%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$8.5M
Virginia 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $20 to $35; we compare the highest. Non-network ATM: Listed at $1 to $2; we compare the midpoint.
Virginia Federal Credit Union · $7.4B 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Virginia Federal Credit Union(this institution) | Richmond, VA | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Fund Staff Federal Credit Union | Washington, DC | $7.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bellco Federal Credit Union | Greenwood Village, CO | $8.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citadel Federal Credit Union | Exton, PA | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coastal Federal Credit Union | Raleigh, NC | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Appleton, WI | $6.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Genisys Federal Credit Union | Auburn Hills, MI | $6.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kinecta Federal Credit Union | Manhattan Beach, CA | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Landmark Federal Credit Union | Brookfield, WI | $7.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Federal Credit Union | Enola, PA | $8.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan State University Federal Credit Union | East Lansing, MI | $8.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission Federal Credit Union | San Diego, CA | $7.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Redstone Federal Credit Union | Huntsville, AL | $8.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Service Federal Credit Union | Portsmouth, NH | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spokane Teachers Federal Credit Union | Liberty Lake, WA | $6.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Summit Federal Credit Union | Madison, WI | $8.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Trustone Financial Federal Credit Union | Plymouth, MN | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Wisconsin Federal Credit Union | Madison, WI | $6.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wescom Central Federal Credit Union | Pasadena, CA | $6.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $9.95, against a peer median of $8 among 15 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 Virginia Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q4 2024 to Q2 2026, standalone quarters · 7 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $8.5M | −$359K | −4.0% |
| Q1 2026 | $8.9M | −$565K | −6.0% |
| Q4 2025 | $9.4M | +$203K | +2.2% |
| Q3 2025 | $9.2M | +$383K | +4.3% |
| Q2 2025 | $8.8M | +$160K | +1.8% |
| Q1 2025 | $8.7M | −$721K | −7.7% |
| Q4 2024 | $9.4M |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Virginia 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 Virginia Federal Credit Union by share.
Amounts from Virginia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per day
per day
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research/balancing account statement - per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid NSF fee (Each additional item is) (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid NSF fee (First item per calendar year) (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned ACH debit from a savings account | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Daily fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | 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) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Each network ATM withdrawal over 4 per month from a checking account | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit card or credit card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Transaction | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer: Domestic (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer: International (outgoing) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official check from a savings or checking account (excludes QuikLine Phone Banking requests) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Easily order checks online or by phone | $20Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop payment on check, EFT debit or automatic draft | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter checks (quantities of four) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Returned check (cashed or deposited - requires collection effort) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Returned check (cashed or deposited - requires collection effort) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of non-VACU item (per item) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Price varies per size: 2x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x10 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 15x10 (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7x10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Termination | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of or inquiry about any type of check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of statement | $2Inside the U.S. middle 50% ($2 to $5 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 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.
Where Virginia Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
44 offices in 1 state (June 30, 2026)
Each dot is one office.
7 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Roanoke, VA | 9 |
| Richmond, VA | 7 |
| Fredericksburg, VA | 3 |
| Midlothian, VA | 3 |
| Chesterfield, VA | 2 |
| Henrico, VA | 2 |
| Lynchburg, VA | 2 |
| North Chesterfield, VA | 2 |
Largest competitors nearby
Local market: Henrico, Richmond city and Chesterfield counties, VA, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 47.9% |
| Wells Fargo Bank, National Association | 14.2% |
| Truist Bank | 12.9% |
| Atlantic Union Bank | 12.4% |
| TowneBank | 3.6% |
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.