Directions Federal Credit Union

Headquarters: Toledo, Ohio
Charter: Credit Union
Assets: $1.4B
Fed district: Cleveland

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $1.50, the middle of its prices
Directions Federal Credit Union: $0 to $3
Directions Federal Credit Union: $0 to $3
U.S. median: no median
Stop Payment
Directions Federal Credit Union: $25
Directions Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic In)
Directions Federal Credit Union: No fee
Directions Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 Directions Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Contaminated Money Fee (1% of total): minimum: Monthly Maintenance Fee$3
per month
Monthly Maintenance FeeNo charge
per month
Dormant Fee$5
per month
Escheatment$50
Quarterly Inactive Fee$5
Not compared: Quarterly charge, not monthly
per quarter
Mailed Member Statement$1

ATM & Card

Foreign transaction fee (single-currency)1%of the transaction

Wire Transfers

Wire Transfer (incoming)No charge

Check Services

Per Money Order$1
per item
Financial Institutions: Stop Payment$25
Stop Payment / Lost$25

Digital & Electronic

Bill Payment Monthly FeeNo charge
per month

Fee	Amount	Basis	Note
Account Maintenance
Contaminated Money Fee (1% of total): minimum: Monthly Maintenance Fee	$3	per month	None
Monthly Maintenance Fee	No charge	per month	None
Dormant Fee	$5	per month	None
Escheatment	$50	Not stated	None
Quarterly Inactive Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Mailed Member Statement	$1	Not stated	None
ATM & Card
Foreign transaction fee (single-currency)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (incoming)	No charge	Not stated	None
Check Services
Per Money Order	$1	per item	None
Financial Institutions: Stop Payment	$25	Not stated	None
Stop Payment / Lost	$25	Not stated	None
Digital & Electronic
Bill Payment Monthly Fee	No charge	per month	None

Account Maintenance

Share Maintenance (Fee applied if average monthly balance falls below $25,000)$15
per month
Share Maintenance (Fee applied if average monthly balance falls below $50,000)$30
per month
Account Research/Reconciliation – per hour ($25 minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee (each occurrence)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-sufficient Funds (each submission)$15
per item
Courtesy Pay Transfer (from savings or overdraft loan)No charge

ATM & Card

ATM, Debit or VISA replacement card$5

Wire Transfers

Wire Transfer (outgoing)$25
International Wire Transfer (outgoing)$50

Check Services

Official Check Payable to Other$3
Official Check Reissue$25
Starter Checks$1
Not compared: Charged per page; comparison unavailable
per page
Copy of Deposited Check$5
per item

Account Services

Garnishment/Levy/Subpoena – each presentment$25
per item
Verification of Deposit for Other Financial Institutions$5

Fee	Amount	Basis	Note
Account Maintenance
Share Maintenance (Fee applied if average monthly balance falls below $25,000)	$15	per month	None
Share Maintenance (Fee applied if average monthly balance falls below $50,000)	$30	per month	None
Account Research/Reconciliation – per hour ($25 minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee (each occurrence)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-sufficient Funds (each submission)	$15	per item	None
Courtesy Pay Transfer (from savings or overdraft loan)	No charge	Not stated	None
ATM & Card
ATM, Debit or VISA replacement card	$5	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$25	Not stated	None
International Wire Transfer (outgoing)	$50	Not stated	None
Check Services
Official Check Payable to Other	$3	Not stated	None
Official Check Reissue	$25	Not stated	None
Starter Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Copy of Deposited Check	$5	per item	None
Account Services
Garnishment/Levy/Subpoena – each presentment	$25	per item	None
Verification of Deposit for Other Financial Institutions	$5	Not stated	None

Correct a fee source

Oct 15, 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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Fees against the market

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

Monthly Maintenance
Compared at $1.50, the middle of its prices
Directions Federal Credit Union: $0 to $3
Directions Federal Credit Union: $0 to $3
U.S. median: no median
Stop Payment
Directions Federal Credit Union: $25
Directions Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic In)
Directions Federal Credit Union: No fee
Directions Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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.

Published fee schedule

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

Account Maintenance

Contaminated Money Fee (1% of total): minimum: Monthly Maintenance Fee$3
per month
Monthly Maintenance FeeNo charge
per month
Dormant Fee$5
per month
Escheatment$50
Quarterly Inactive Fee$5
Not compared: Quarterly charge, not monthly
per quarter
Mailed Member Statement$1

ATM & Card

Foreign transaction fee (single-currency)1%of the transaction

Wire Transfers

Wire Transfer (incoming)No charge

Check Services

Per Money Order$1
per item
Financial Institutions: Stop Payment$25
Stop Payment / Lost$25

Digital & Electronic

Bill Payment Monthly FeeNo charge
per month

Fee	Amount	Basis	Note
Account Maintenance
Contaminated Money Fee (1% of total): minimum: Monthly Maintenance Fee	$3	per month	None
Monthly Maintenance Fee	No charge	per month	None
Dormant Fee	$5	per month	None
Escheatment	$50	Not stated	None
Quarterly Inactive Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Mailed Member Statement	$1	Not stated	None
ATM & Card
Foreign transaction fee (single-currency)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer (incoming)	No charge	Not stated	None
Check Services
Per Money Order	$1	per item	None
Financial Institutions: Stop Payment	$25	Not stated	None
Stop Payment / Lost	$25	Not stated	None
Digital & Electronic
Bill Payment Monthly Fee	No charge	per month	None

Account Maintenance

Share Maintenance (Fee applied if average monthly balance falls below $25,000)$15
per month
Share Maintenance (Fee applied if average monthly balance falls below $50,000)$30
per month
Account Research/Reconciliation – per hour ($25 minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee (each occurrence)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-sufficient Funds (each submission)$15
per item
Courtesy Pay Transfer (from savings or overdraft loan)No charge

ATM & Card

ATM, Debit or VISA replacement card$5

Wire Transfers

Wire Transfer (outgoing)$25
International Wire Transfer (outgoing)$50

Check Services

Official Check Payable to Other$3
Official Check Reissue$25
Starter Checks$1
Not compared: Charged per page; comparison unavailable
per page
Copy of Deposited Check$5
per item

Account Services

Garnishment/Levy/Subpoena – each presentment$25
per item
Verification of Deposit for Other Financial Institutions$5

Fee	Amount	Basis	Note
Account Maintenance
Share Maintenance (Fee applied if average monthly balance falls below $25,000)	$15	per month	None
Share Maintenance (Fee applied if average monthly balance falls below $50,000)	$30	per month	None
Account Research/Reconciliation – per hour ($25 minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee (each occurrence)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Non-sufficient Funds (each submission)	$15	per item	None
Courtesy Pay Transfer (from savings or overdraft loan)	No charge	Not stated	None
ATM & Card
ATM, Debit or VISA replacement card	$5	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$25	Not stated	None
International Wire Transfer (outgoing)	$50	Not stated	None
Check Services
Official Check Payable to Other	$3	Not stated	None
Official Check Reissue	$25	Not stated	None
Starter Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Copy of Deposited Check	$5	per item	None
Account Services
Garnishment/Levy/Subpoena – each presentment	$25	per item	None
Verification of Deposit for Other Financial Institutions	$5	Not stated	None

Correct a fee source

Oct 15, 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.