Dfcu Financial Federal Credit Union

Headquarters: Dearborn, Michigan
Charter: Credit Union
Assets: $8.0B
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Dfcu Financial 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Dfcu Financial Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Dfcu Financial Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $3.9M in Q2 2026, 2.0% above the same quarter a year earlier ($3.9M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Overdraft (OD)
Dfcu Financial Federal Credit Union: $32
Dfcu Financial Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Dfcu Financial Federal Credit Union: $32
Dfcu Financial Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Dfcu Financial Federal Credit Union: $1.50 to $2
Dfcu Financial Federal Credit Union: $1.50 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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

Fee income beside fee prices

Fee income fell 7.4% from Q3 2025 to Q2 2026, to $3.9M.

Fee income, Q2 2026

$3.9M

$4.3MQ3 2025

$4.2MQ4 2025

$4.0MQ1 2026

$3.9MQ2 2026

Against the median

Dfcu Financial Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Dfcu Financial Federal Credit Union · $8B 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.

Credit unions only
$6.6B to $9.7B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Dfcu Financial Federal Credit Union(this institution)	Dearborn, MI	$8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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
Broadview Federal Credit Union	Albany, NY	$9.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
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
Delta Community Federal Credit Union	Atlanta, GA	$9.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Logix Federal Credit Union	Valencia, CA	$9.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
Onpoint Community Federal Credit Union	Portland, OR	$9.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pennsylvania State Employees Federal Credit Union	Harrisburg, PA	$9.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
San Diego County Federal Credit Union	San Diego, CA	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Service Federal Credit Union	Portsmouth, NH	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Space Coast Federal Credit Union	Melbourne, FL	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
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
Veridian Federal Credit Union	Waterloo, IA	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Virginia Federal Credit Union	Richmond, VA	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
Wright-Patt Credit Union, Inc.	Beavercreek, OH	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Dfcu Financial Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $8.49 among 16 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

Dfcu Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Dfcu Financial Federal Cr…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Dfcu Financial Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $3.9M
vs prior quarter: −$57K−1.4%; from Q1 2026
vs a year earlier: +$76K+2.0%; from Q2 2025
vs start of range: −$443K−10.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Dfcu Financial Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$3.9M	−$57K	−1.4%
Q1 2026	$4.0M	−$157K	−3.8%
Q4 2025	$4.2M	−$102K	−2.4%
Q3 2025	$4.3M	+$392K	+10.1%
Q2 2025	$3.9M	−$156K	−3.9%
Q1 2025	$4.0M	−$165K	−3.9%
Q4 2024	$4.2M	−$198K	−4.5%
Q3 2024	$4.4M	+$434K	+11.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Cash Back Checking Fall Below Fee$5
per month
Checking Fall Below FeeNo charge
Not compared: Annual charge, not monthly
per year
Insured Money Market Fall Below FeeNo charge
Interest Checking Plus Fall Below Fee$10
per month · Waived when $10,000.00 minimum average daily balance is maintained for Savings, Checking, Interest Checking Plus, Work Perks, IMMA, or share certificates combined
Savings Fall Below Fee$3
per month · Monthly fee if aggregate minimum average daily balance falls below $200.00 across Savings, Checking, Interest Checking Plus, IMMA, Work Perks, Cash Back Checking, Simplicity Checking, or share certificates combined, unless direct deposit is maintained
Simplicity Checking Fall Below Fee$5
per month
Work Perks Checking Fall Below Fee$5
per month · Monthly fee if direct deposit is not maintained to this Account each month
Inactive Account Fee$6
per month
Manual Processing Fee$5
per item
Research Fee$25
varies · Per hour
Consumer paper statement fee$2
Paper Statement Processing Fee$1
Paper Statement Processing Fee$2
per item
Bad Address Fee$5
per month

Overdraft & NSF

Overdraft Service Fee$32
per item
Non-Sufficient Funds Fee. .$32
per item
Overdraft Transfer Fee$5
per item

ATM & Card

ATM Account Inquiry$1.50
per item
ATM Balance Inquiry$2
per transaction
ATM Monetary Transaction$1.50
per item
Foreign ATM$2
Other ATM - ATM Balance Inquiry$2
per item · Out-of-Network ATM
Other ATM - ATM Monetary Transaction$2
per item · Out-of-Network ATM
ATM/Debit Card Replacement Fee .$5
per item

Wire Transfers

Wire Transfer Fee - Domestic Outgoing$25
per item
Wire Transfer Fees Domestic Outgoing$25
per item
Wire Transfer Fee - Domestic IncomingNo charge
per item

Check Services

Cashier’s Check$1
per item
Money Orders ..$1
per item
Stop Payment Fees Personal Checks, Electronic Fund Transfer .$32
Check Copies - DFCU Financial Checks$3.50
per item
Check Copies - Non-DFCU Financial Checks$5
per item
Check copy fee$3.50

Digital & Electronic

Bill Pay Fee (5 free payments per month)$0.50
Not compared: Per-item charge, not monthly
per item

Account Services

Safe Deposit Box 3x10$45
per year
Safe Deposit Box 5x10$60
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 7x10$90
Safe Deposit Box Fee - 10x10$110
per year
Safe Deposit Box Fee - 2x5$15
per year
Safe Deposit Box Fee - 3x10$45
per year
Safe Deposit Box Fee - 3x5$30
per year
Safe Deposit Box Fee - 5x10$60
per year
Safe Deposit Box Fee - 5x5$40
per year
Safe Deposit Box Fee - 7x10$90
per year
Garnishment/Levy Fee$75
per item
Personal Checks, ACH Garnishment/Levy Fee .$75
per item
Verification of Deposit$10
Verification of Deposit Fee$5
per item
Verification of Deposit Fee$10
per item

Retirement & IRA

IRA Transfer Fee$50
per item

Other Fees

Statement Copies$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Cash Back Checking Fall Below Fee	$5	per month	None
Checking Fall Below Fee	No chargeNot compared: Annual charge, not monthly	per year	None
Insured Money Market Fall Below Fee	No charge	Not stated	None
Interest Checking Plus Fall Below Fee	$10	per month	Waived when $10,000.00 minimum average daily balance is maintained for Savings, Checking, Interest Checking Plus, Work Perks, IMMA, or share certificates combined
Savings Fall Below Fee	$3	per month	Monthly fee if aggregate minimum average daily balance falls below $200.00 across Savings, Checking, Interest Checking Plus, IMMA, Work Perks, Cash Back Checking, Simplicity Checking, or share certificates combined, unless direct deposit is maintained
Simplicity Checking Fall Below Fee	$5	per month	None
Work Perks Checking Fall Below Fee	$5	per month	Monthly fee if direct deposit is not maintained to this Account each month
Inactive Account Fee	$6	per month	None
Manual Processing Fee	$5	per item	None
Research Fee	$25	varies	Per hour
Consumer paper statement fee	$2	Not stated	None
Paper Statement Processing Fee	$1	Not stated	None
Paper Statement Processing Fee	$2	per item	None
Bad Address Fee	$5	per month	None
Overdraft & NSF
Overdraft Service Fee	$32	per item	None
Non-Sufficient Funds Fee. .	$32	per item	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
ATM Account Inquiry	$1.50	per item	None
ATM Balance Inquiry	$2	per transaction	None
ATM Monetary Transaction	$1.50	per item	None
Foreign ATM	$2	Not stated	None
Other ATM - ATM Balance Inquiry	$2	per item	Out-of-Network ATM
Other ATM - ATM Monetary Transaction	$2	per item	Out-of-Network ATM
ATM/Debit Card Replacement Fee .	$5	per item	None
Wire Transfers
Wire Transfer Fee - Domestic Outgoing	$25	per item	None
Wire Transfer Fees Domestic Outgoing	$25	per item	None
Wire Transfer Fee - Domestic Incoming	No charge	per item	None
Check Services
Cashier’s Check	$1	per item	None
Money Orders ..	$1	per item	None
Stop Payment Fees Personal Checks, Electronic Fund Transfer .	$32	Not stated	None
Check Copies - DFCU Financial Checks	$3.50	per item	None
Check Copies - Non-DFCU Financial Checks	$5	per item	None
Check copy fee	$3.50	Not stated	None
Digital & Electronic
Bill Pay Fee (5 free payments per month)	$0.50Not compared: Per-item charge, not monthly	per item	None
Account Services
Safe Deposit Box 3x10	$45	per year	None
Safe Deposit Box 5x10	$60Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 7x10	$90	Not stated	None
Safe Deposit Box Fee - 10x10	$110	per year	None
Safe Deposit Box Fee - 2x5	$15	per year	None
Safe Deposit Box Fee - 3x10	$45	per year	None
Safe Deposit Box Fee - 3x5	$30	per year	None
Safe Deposit Box Fee - 5x10	$60	per year	None
Safe Deposit Box Fee - 5x5	$40	per year	None
Safe Deposit Box Fee - 7x10	$90	per year	None
Garnishment/Levy Fee	$75	per item	None
Personal Checks, ACH Garnishment/Levy Fee .	$75	per item	None
Verification of Deposit	$10	Not stated	None
Verification of Deposit Fee	$5	per item	None
Verification of Deposit Fee	$10	per item	None
Retirement & IRA
IRA Transfer Fee	$50	per item	None
Other Fees
Statement Copies	$5	per item	None

Correct a fee source

Nov 3, 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.

Fee change alerts

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