Compared with Michigan
9 of 21
compared fees are above the median.
7 below, 5 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
22nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 21 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 17, 2026
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) 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 Michigan median | Published fees above the Michigan 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 | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.1% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (22nd 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 $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.
9 of 21 compared published fees sit above the Michigan median; 7 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 Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $2, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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.
Fee income fell 7.4% from Q3 2025 to Q2 2026, to $3.9M. Its share of revenue, 4.1%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$3.9M
Dfcu Financial 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. *Non-network ATM: Listed at $1.50 to $2; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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.
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 Dfcu Financial 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 | $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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Dfcu Financial 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 Dfcu Financial Federal Credit Union by share.
Amounts from Dfcu Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
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
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
per month
per month · Monthly fee if direct deposit is not maintained to this Account each month
per month
per item
varies · Per hour
per item
per month
per item
per transaction
per item
per item · Out-of-Network ATM
per item · Out-of-Network ATM
per item
per item
per item
per item
per item
per item
per year
per month
per year
per year
per year
per year
per year
per year
per year
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Cash Back Checking Fall Below Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checking Fall Below Fee | No chargeNot compared: Annual charge, not monthly | per year | None |
| Insured Money Market Fall Below Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Interest Checking Plus Fall Below Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $3Below the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Work Perks Checking Fall Below Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Monthly fee if direct deposit is not maintained to this Account each month |
| Inactive Account Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Manual Processing Fee | $5Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Research Fee | $25Inside the U.S. middle 50% ($6 to $25 nationally) | varies | Per hour |
| Consumer paper statement fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statement Processing Fee | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statement Processing Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Bad Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Service Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds Fee. . | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Account Inquiry | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Balance Inquiry | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM Monetary Transaction | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Other ATM - ATM Balance Inquiry | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | Out-of-Network ATM |
| Other ATM - ATM Monetary Transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | Out-of-Network ATM |
| ATM/Debit Card Replacement Fee . | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Fee - Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Fees Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Fee - Domestic Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders .. | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fees Personal Checks, Electronic Fund Transfer . | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copies - DFCU Financial Checks | $3.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copies - Non-DFCU Financial Checks | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check copy fee | $3.50Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $60Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 7x10 | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Fee - 10x10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 2x5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 3x10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 3x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 5x10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 5x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee - 7x10 | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy Fee | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Personal Checks, ACH Garnishment/Levy Fee . | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Verification of Deposit Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 17, 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 Dfcu Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
39 offices in 2 states (June 30, 2026)
Map coming soon
We are placing each office on the map from its address. 0 of 39 are placed so far; the map appears once most are.
Cities with the most offices
| Ann Arbor, MI | 4 |
| Grand Rapids, MI | 3 |
| Lansing, MI | 3 |
| Tampa, FL | 3 |
| Dearborn, MI | 2 |
| Allen Park, MI | 1 |
| Birmingham, MI | 1 |
| Bloomfield Hills, MI | 1 |
Largest competitors nearby
Local market: Wayne county, MI, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 48.6% |
| Fifth Third Bank, National Association | 30.8% |
| The Huntington National Bank | 5.3% |
| Bank of America, National Association | 5% |
| PNC Bank, National Association | 3.4% |
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.