Malden Federal Credit Union

Headquarters: Malden, Massachusetts
Charter: Credit Union
Assets: $29.4M
Fed district: Boston

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

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

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

NSF / Returned Item
Malden Federal Credit Union: $25
Malden Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Compared at $2.25, the middle of its prices
Malden Federal Credit Union: $1.50 to $3
Malden Federal Credit Union: $1.50 to $3
U.S. median: no median
Wire Transfer (Domestic Out)
Malden Federal Credit Union: $25
Malden Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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

Account Maintenance

Early Account Closure$10
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Check/ ACH$25
Overdraft Transfers$3

ATM & Card

ATM Fee$1.50
ATM/Debit Auto Transfer$3
ATM/Debit Card Replacement$25
Visa Card Replacement Fee$25

Wire Transfers

Domestic Wire – Out$25
International Wire – Out$50

Check Services

Official Checks (Third Party)$5
Stop Payment (Official Check)$25
Stop Payment (On Us)$25

Cash & Deposit

Uncollected/NSF Deposited Item$25

Lending Fees

Visa Late Fee$25

Retirement & IRA

IRA Annual Fee$15
per year
IRA Transfer Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$10	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Check/ ACH	$25	Not stated	None
Overdraft Transfers	$3	Not stated	None
ATM & Card
ATM Fee	$1.50	Not stated	None
ATM/Debit Auto Transfer	$3	Not stated	None
ATM/Debit Card Replacement	$25	Not stated	None
Visa Card Replacement Fee	$25	Not stated	None
Wire Transfers
Domestic Wire – Out	$25	Not stated	None
International Wire – Out	$50	Not stated	None
Check Services
Official Checks (Third Party)	$5	Not stated	None
Stop Payment (Official Check)	$25	Not stated	None
Stop Payment (On Us)	$25	Not stated	None
Cash & Deposit
Uncollected/NSF Deposited Item	$25	Not stated	None
Lending Fees
Visa Late Fee	$25	Not stated	None
Retirement & IRA
IRA Annual Fee	$15	per year	None
IRA Transfer Fee	$25	Not stated	None

Correct a fee source

Oct 11, 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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