Destinations Credit Union

Headquarters: Baltimore, Maryland
Charter: Credit Union
Assets: $65.4M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Oct 10, 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 Oct 10, 2026

How these figures are measured

Call-report figures are for Destinations 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.	Destinations Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Destinations 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 $179K in Q2 2026, 22% below the same quarter a year earlier ($229K).
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)
Destinations Credit Union: $32
Destinations Credit Union: $32
U.S. median: no median
NSF / Returned Item
Compared at $31, the middle of its prices
Destinations Credit Union: $30 to $32
Destinations Credit Union: $30 to $32
U.S. median: no median
Non-Network ATM
Compared at $2.50, the middle of its prices
Destinations Credit Union: $1.50 to $3.50
Destinations Credit Union: $1.50 to $3.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 10% from Q3 2025 to Q2 2026, to $179K.

Fee income, Q2 2026

$179K

$199KQ3 2025

$217KQ4 2025

$182KQ1 2026

$179KQ2 2026

Against the median

Destinations 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

Destinations Credit Union · $65M 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 19 states.

Credit unions only
$63M to $67M in assets
Headquartered in 19 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
Destinations Credit Union(this institution)	Baltimore, MD	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
A.B.D. Federal Credit Union	Warren, MI	$67M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Banner Federal Credit Union	Phoenix, AZ	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bopti Federal Credit Union	San Pedro, CA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cranberry Federal Credit Union	West Wareham, MA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Credit Union of Richmond Incorporat	Richmond, VA	$65M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Doches Federal Credit Union	Nacogdoches, TX	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Eagle Express Federal Credit Union	Jackson, MS	$67M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Federated Employees Federal Credit Union	Owatonna, MN	$67M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fort Billings Federal Credit Union	Paulsboro, NJ	$64M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gp Louisiana Federal Credit Union	Zachary, LA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Financial Federal Credit Union	New Haven, CT	$64M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln Park Community Federal Credit Union	Lincoln Park, MI	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lion'S Share Federal Credit Union	Salisbury, NC	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Madison Federal Credit Union	Madison, WI	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Millard County Federal Credit Union	Fillmore, UT	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morehead Community Federal Credit Union	Morehead, KY	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
One Vision Federal Credit Union	Clarksville, IN	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rimrock Federal Credit Union	Billings, MT	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
River Valley Community Federal Credit Union	Camden, AR	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rolling F Federal Credit Union	Turlock, CA	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sacred Heart Parish Hallettsville Federal Credit Union	Hallettsville, TX	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shell Western States Federal Credit Union	Martinez, CA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
South Bend Firefighters Federal Credit Union	South Bend, IN	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spokane City Federal Credit Union	Spokane, WA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Employees Federal Credit Union	Albert Lea, MN	$66M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Destinations Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 9 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

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

Destinations Credit UnionPeer (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 Destinations 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: $179K
vs prior quarter: −$3K−1.6%; from Q1 2026
vs a year earlier: −$50K−21.8%; from Q2 2025
vs start of range: −$73K−29.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Destinations 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	$179K	−$3K	−1.6%
Q1 2026	$182K	−$35K	−16.1%
Q4 2025	$217K	+$18K	+9.0%
Q3 2025	$199K	−$30K	−13.1%
Q2 2025	$229K	+$33K	+16.8%
Q1 2025	$196K	−$19K	−8.8%
Q4 2024	$215K	−$37K	−14.7%
Q3 2024	$252K	+$1K	+0.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Membership Closure Fee (within 6 months of opening)$15
Escheatment Fee (After 3 years of NO member initiated transactions)$75
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research - Debit & Credit Card Fraud Claim (if research concludes NO FRAUD)$20
per item
Telephone Assisted Account Reconciliation$5
per item
Paper Statement Fee$10
per month
Bad Address Mail Returns$5

Overdraft & NSF

Courtesy Pay (1)$32
per item
eBanking Bill Pay - Stop Payment &/or Returned Item(s)$30
per item
Non - Sufficient Funds (NSF) Fee - Applies to both Savings and Checking shares.$32
per item

ATM & Card

Balance Inquiry completed via ATM$1.50
per transaction
Foreign ATM fee$3.50
per transaction
MasterCard Foreign Transaction Fee1.25%of the transaction
per transaction

Wire Transfers

Domestic Wire Transfer (Outgoing)$30
per transaction
Domestic Wire Transfers (Outgoing)$30
Domestic Wire Transfer (Incoming)$10
per transaction
Domestic Wire Transfers (Incoming)$10

Check Services

Official Check Fee$5
per item
Money Orders (Only available for amounts up to $1,000)$2
per item
Stop Payment Request (ACH)$30
per item
Check Copy (Personal, Bill Payment, or Credit Union Check / Money Orders)$5
per item

Digital & Electronic

eBanking Bill Pay - Inactivity Fee (If not used a minimum of once Per Month)$6.95
per month

Cash & Deposit

MasterCard Cash Advance Fee$15
per item
Mastercard Credit Card Cash Advance Fee$15
per transaction
Return Check Deposit Fee$32
per item

Account Services

Garnishment Fee / Tax Levies / Attachments / Liens$100
per item
Verification of Accounts / Deposits / Membership$15
per item

Lending Fees

Mastercard Credit Card Late Payment Fee$25
Not compared: Monthly charge, not per item
per month
Mastercard Late Payment Fee$25
Loan Modification - Consumer Loans$25
per item
Loan Modification - Real Estate Loans$150
per item

Gift & Prepaid Cards

Visa Gift Cards$3.50
per item

Other Fees

Expedited Services ( ALL product(s) / service(s) requiring FedEx / UPS delivery)$40
Statement Copy$10
Duplicate Security Interest Filing (Lien Release)$15
per item
Loan Modification – Real Estate$150
per item
Loan Payoff Request$5
per item
Repeat Loan Application (Made within 3 months)$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Early Membership Closure Fee (within 6 months of opening)	$15	Not stated	None
Escheatment Fee (After 3 years of NO member initiated transactions)	$75	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research - Debit & Credit Card Fraud Claim (if research concludes NO FRAUD)	$20	per item	None
Telephone Assisted Account Reconciliation	$5	per item	None
Paper Statement Fee	$10	per month	None
Bad Address Mail Returns	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (1)	$32	per item	None
eBanking Bill Pay - Stop Payment &/or Returned Item(s)	$30	per item	None
Non - Sufficient Funds (NSF) Fee - Applies to both Savings and Checking shares.	$32	per item	None
ATM & Card
Balance Inquiry completed via ATM	$1.50	per transaction	None
Foreign ATM fee	$3.50	per transaction	None
MasterCard Foreign Transaction Fee	1.25%of the transaction	per transaction	None
Wire Transfers
Domestic Wire Transfer (Outgoing)	$30	per transaction	None
Domestic Wire Transfers (Outgoing)	$30	Not stated	None
Domestic Wire Transfer (Incoming)	$10	per transaction	None
Domestic Wire Transfers (Incoming)	$10	Not stated	None
Check Services
Official Check Fee	$5	per item	None
Money Orders (Only available for amounts up to $1,000)	$2	per item	None
Stop Payment Request (ACH)	$30	per item	None
Check Copy (Personal, Bill Payment, or Credit Union Check / Money Orders)	$5	per item	None
Digital & Electronic
eBanking Bill Pay - Inactivity Fee (If not used a minimum of once Per Month)	$6.95	per month	None
Cash & Deposit
MasterCard Cash Advance Fee	$15	per item	None
Mastercard Credit Card Cash Advance Fee	$15	per transaction	None
Return Check Deposit Fee	$32	per item	None
Account Services
Garnishment Fee / Tax Levies / Attachments / Liens	$100	per item	None
Verification of Accounts / Deposits / Membership	$15	per item	None
Lending Fees
Mastercard Credit Card Late Payment Fee	$25Not compared: Monthly charge, not per item	per month	None
Mastercard Late Payment Fee	$25	Not stated	None
Loan Modification - Consumer Loans	$25	per item	None
Loan Modification - Real Estate Loans	$150	per item	None
Gift & Prepaid Cards
Visa Gift Cards	$3.50	per item	None
Other Fees
Expedited Services ( ALL product(s) / service(s) requiring FedEx / UPS delivery)	$40	Not stated	None
Statement Copy	$10	Not stated	None
Duplicate Security Interest Filing (Lien Release)	$15	per item	None
Loan Modification – Real Estate	$150	per item	None
Loan Payoff Request	$5	per item	None
Repeat Loan Application (Made within 3 months)	$25	per item	None

Correct a fee source

Oct 10, 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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