Destinations Credit Union

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

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

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

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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.

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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.

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