Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Downeast Federal Credit Union

Baileyville, MaineCredit UnionBoston Fed districtFees collected Oct 7, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Low monthly service charge$6.95Within the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Courtesy Pay (CP) fee$10Below the typical range ($25–$33 nationally)
$20 below the national median$18 below the Maine median
per transaction · Source
Courtesy Pay fees are$0Below the typical range ($25–$33 nationally)
$30 below the national median$28 below the Maine median
per item · Source
Courtesy Pay per item fee$10Below the typical range ($25–$33 nationally)
$20 below the national median$18 below the Maine median
per item · Source
Non-Sufficient Funds (NSF) on ACH/ATM/Debit transactions/Drafts$15Below the typical range ($25–$32 nationally)
$15 below the national median$13 below the Maine median
Source
Overdraft fees on Non-Sufficient Funds (NSF)$15Below the typical range ($25–$32 nationally)
$15 below the national median$13 below the Maine median
per transaction · Source

Check ServicesVerified

Treasurer Checks$5Within the typical range ($3–$6 nationally)
At the national medianAt the Maine median
Source
Personal Money Orders$2Within the typical range ($1.50–$3 nationally)
At the national median$0.50 below the Maine median
Source
Bill Payment Stop Payment$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$5 above the Maine median
Source
Temporary Check Printing (4 per sheet)$3Within the typical range ($1–$4 nationally)
$1 above the national median$2 above the Maine median
per item · Source
Foreign Check Exchange Fee (per item)$5Below the typical range ($10–$25 nationally)
$15 below the national median$15 below the Maine median
per item · Source
Check Copy Fee (per item)$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Maine median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Low monthly service charge	$6.95Within the typical range ($4–$10 nationally)	$0.95 above the national median$1.96 above the Maine median	per month	—	Source
Early Account Closure (within 1 st 90 days)	$35Above the typical range ($10–$25 nationally)	$17.50 above the national median$10 above the Maine median	—	—	Source
Account Reconciliation fee per hour	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$5 below the Maine median	—	—	Source
Overdraft & NSFVerified
Courtesy Pay (CP) fee	$10Below the typical range ($25–$33 nationally)	$20 below the national median$18 below the Maine median	per transaction	—	Source
Courtesy Pay fees are	$0
Check ServicesVerified
Treasurer Checks	$5Within the typical range ($3–$6 nationally)	At the national medianAt the Maine median	—	—	Source
Personal Money Orders	$2
Digital & ElectronicVerified
Bill Payment Limits: minimum payment	$1Within the typical range ($0–$9.95 nationally)	$1.50 below the national median$1 above the Maine median	—	—	Source
Cash & DepositVerified
Returned deposit/cashed/payment item fee (including electronic)	$15Within the typical range ($8–$25 nationally)	At the national median$5 above the Maine median	—	—	Source
Account ServicesVerified
Notary Public fee (non-members only)	$10Above the typical range ($0–$5 nationally)	$7.50 above the national median$5 above the Maine median	—	—	Source
Other FeesVerified
Statement Copy (per statement)	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2.37 above the Maine median	—	—	Source

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$10

Overdraft fee: $10

67% below the national median overdraft fee

18 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$330.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$330.4M

Total deposits

$297.3M

Service charge income (year to date)

$468K

Fee income ratio

3.5%

Return on assets

0.48%

Financial profile · Pro

Performance from regulator filings

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