3 banks and credit unions have branches in Ludlow. The Bank Fee Index holds published fees for 3 of them.
The count includes institutions based elsewhere that have a branch here.
Medians for reference: Vermont $27 · U.S. $30
Local median not shown; five institutions required.
Pick a fee to compare Ludlow with Vermont and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
3 institutions, 3 with a published overdraft fee.
Bank · based in Buffalo, NY · 1 branch here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Brookline, MA · 1 branch here
Account not yet known
“Overdraft/Unavailable Funds (UAF) Overdraft Fee8,9,14 … $35.00”
Credit union, membership rules apply · based in Rutland, VT · 1 branch here
Account not yet known
“Courtesy Pay | $30/Presentment”
Largest banks by local bank deposits
Share of the $118 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Windsor County
Deposits and branches cover the City of Ludlow. Population and income cover Windsor County, the county with most of Ludlow's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Windsor County.
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