Downeast Federal Credit Union

Headquarters: Baileyville, Maine
Charter: Credit Union
Assets: $330.4M
Fed district: Boston

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

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

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

Monthly Maintenance
Downeast Federal Credit Union: $6.95
Downeast Federal Credit Union: $6.95
U.S. median: no median
Overdraft (OD)
Downeast Federal Credit Union: $10
Downeast Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Downeast Federal Credit Union: $15
Downeast Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maine, the Boston 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).
Maine: Banks and credit unions headquartered in Maine that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston 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 Downeast Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low monthly service charge$6.95
per month
Early Account Closure (within 1 st 90 days)$35
Escheat (Abandoned Account) fee$50
Account Reconciliation fee per hour$20
Not compared: Charged per hour; comparison unavailable
per hour
VISA® Charge Back/Dispute (per incident)$25
per item
Returned statement handling fee$10

Overdraft & NSF

Courtesy Pay per item fee$10
per item
Non-Sufficient Funds (NSF) on ACH/ATM/Debit transactions/Drafts$15
Overdraft fees on Non-Sufficient Funds (NSF) (audience not stated, treated as personal)$15
per transaction

Wire Transfers

Wire Transfers: Domestic Outgoing$25
Wire Transfers: IncomingNo charge
Wire Transfers: Foreign Outgoing$50

Check Services

Treasurer Checks$5
Personal Money Orders$2
Bill Payment Stop Payment$30
Stop Payment$30
Temporary Check Printing (4 per sheet)$3
per item
Foreign Check Exchange Fee (per item)$5
per item
Check Copy Fee (per item)$5
per item

Digital & Electronic

Bill Payment Limits: minimum payment$1

Cash & Deposit

Returned deposit/cashed/payment item fee (including electronic)$15

Account Services

Notary Public fee (non-members only)$10

Other Fees

Statement Copy (per statement)$5

Fee	Amount	Basis	Note
Account Maintenance
Low monthly service charge	$6.95	per month	None
Early Account Closure (within 1 st 90 days)	$35	Not stated	None
Escheat (Abandoned Account) fee	$50	Not stated	None
Account Reconciliation fee per hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
VISA® Charge Back/Dispute (per incident)	$25	per item	None
Returned statement handling fee	$10	Not stated	None
Overdraft & NSF
Courtesy Pay per item fee	$10	per item	None
Non-Sufficient Funds (NSF) on ACH/ATM/Debit transactions/Drafts	$15	Not stated	None
Overdraft fees on Non-Sufficient Funds (NSF) (audience not stated, treated as personal)	$15	per transaction	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$25	Not stated	None
Wire Transfers: Incoming	No charge	Not stated	None
Wire Transfers: Foreign Outgoing	$50	Not stated	None
Check Services
Treasurer Checks	$5	Not stated	None
Personal Money Orders	$2	Not stated	None
Bill Payment Stop Payment	$30	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Check Printing (4 per sheet)	$3	per item	None
Foreign Check Exchange Fee (per item)	$5	per item	None
Check Copy Fee (per item)	$5	per item	None
Digital & Electronic
Bill Payment Limits: minimum payment	$1	Not stated	None
Cash & Deposit
Returned deposit/cashed/payment item fee (including electronic)	$15	Not stated	None
Account Services
Notary Public fee (non-members only)	$10	Not stated	None
Other Fees
Statement Copy (per statement)	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 14, 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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