Compared with Michigan
16 of 24
compared fees are above the median.
3 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
71st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 24 compared; 3 below, 5 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Diversified Members 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 569 credit unions with $300M to $1B 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. | Diversified Members 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
Fee income was 10% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (71st 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 $1.0M in Q2 2026, 16% above the same quarter a year earlier ($892K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
16 of 24 compared published fees sit above the Michigan median; 3 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.
Monthly Maintenance
Account Basics
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 rose 12% from Q3 2025 to Q2 2026, to $1.0M. Its share of revenue, 10%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.0M
Diversified Members 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Diversified Members Federal Credit Union · $589M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Diversified Members Federal Credit Union(this institution) | Detroit, MI | $589M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Argent Federal Credit Union | Chesterfield, VA | $572M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ascentra Federal Credit Union | Bettendorf, IA | $596M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Credit Union of Texas | League City, TX | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cabrillo Federal Credit Union | San Diego, CA | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dugood Federal Credit Union | Beaumont, TX | $609M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dupage Federal Credit Union | Naperville, IL | $600M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dutch Point Federal Credit Union | Wethersfield, CT | $565M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Education First Federal Credit Union | Beaumont, TX | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Educators Federal Credit Union | Waco, TX | $610M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Embold Federal Credit Union | Oregon City, OR | $596M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Fairmont Federal Credit Union | Fairmont, WV | $603M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firelands Federal Credit Union | Bellevue, OH | $580M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First New York Federal Credit Union | Albany, NY | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Springfield, IL | $574M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| I-C Federal Credit Union | Fitchburg, MA | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnco Federal Credit Union | Cambridge, MN | $605M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Securityplus Federal Credit Union | Baltimore, MD | $597M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siu Federal Credit Union | Carbondale, IL | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southpoint Financial Federal Credit Union | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tech Federal Credit Union | Crown Point, IN | $599M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Southern Federal Credit Union | Fayetteville, GA | $560M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Transcend Federal Credit Union | Louisville, KY | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Square Credit Union | Wichita Falls, TX | $601M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Via Credit Union | Marion, IN | $604M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its two prices, against a peer median of $5 among 13 publishing peers.
Its two checking prices are $10 and $10.
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 Diversified Members 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 | $1.0M | +$114K | +12.4% |
| Q1 2026 | $922K | +$77K | +9.1% |
| Q4 2025 | $845K | −$84K | −9.0% |
| Q3 2025 | $929K | +$37K | +4.1% |
| Q2 2025 | $892K | +$47K | +5.6% |
| Q1 2025 | $845K | −$43K | −4.8% |
| Q4 2024 | $888K | +$15K | +1.7% |
| Q3 2024 | $873K | +$54K | +6.6% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Diversified Members 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 Diversified Members Federal Credit Union by share.
Amounts from Diversified Members Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per item
per item
per item
per item
per item
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per item
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per year
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Basics Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Second Chance Checking Fee (per month) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close Account (if less than 6 months old) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (monthly fee after 12 months inactivity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Account | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour)- minimum | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail/ Wrong Address (per month) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF – Non-Sufficient Funds & Courtesy Pay (per presentment) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Withdrawal NSF ATM/Debit PIN (per transaction) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Transfer Overdraft from Savings (per transfer) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM transaction fee (outside of CO-OP Network) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card & PIN Rush Overnight (maximum fee amount disclosed however, the fee may be less based on vendor charge) | $100Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| VISA Rush Overnight (Card Only) | $55Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers-Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (per item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment in Online Banking | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop/Reissue Cashier's Checks (minimum 90 days after issue) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (free for new accounts/receive 2 sheets or 8 checks) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Copies (Free through Online Banking) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Non-DMCU Credit Card Cash Advance | $15Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Deposit Item ( if on self-account per presentment, includes electronic items) | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposit Item (per presentment, includes electronic items) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service for Non-Members | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service-Members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Box 10 x 10 (annual) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box 3 x 10 (annual) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box 5 x 10 (annual) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment and levies (processing fee) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Payment Charge | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Card Non-Activity | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Travel Card Reload Fee | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Account History/Document Copy (per page)-free through Online Banking | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax (per page, domestic only) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy (free through Online Banking) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Payment by Phone Fee | $12Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay/Extension Fee (VISA/Loans) | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Diversified Members Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Detroit, MI | 2 |
| Clawson, MI | 1 |
| Novi, 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.