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, under $300M

Somerville Municipal Federal Credit Union

Somerville, MassachusettsCredit UnionBoston Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

Overdraft – Transfer$5Within the typical range ($3–$5 nationally)

ATM & CardVerified

ATM Transactions$1Within the typical range ($1–$2.50 nationally)
$0.95 below the national median
Source
Replacement Card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Check ServicesVerified

Check copy – Single item$3Within the typical range ($2–$5 nationally)
At the national median
Source
Money Orders$1.50Below the typical range ($1.63–$3 nationally)
$0.50 below the national median
Source
Money Orders – Non Member$3Within the typical range ($1.63–$3 nationally)
$1 above the national median
Source
Official Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Official Check Fee (not payable to member)$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Stop payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
Source

Cash & DepositVerified

Deposited Check Returned$5Below the typical range ($10–$25 nationally)
$10 below the national median
Source
Deposited Check Returned – Self Paid$15Within the typical range ($10–$25 nationally)
At the national median
Source

Account ServicesVerified

Levies$75Within the typical range ($30–$75 nationally)
$25 above the national median
Source
Mortgage subordination fee$100Within the typical range ($50–$150 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
Overdraft – Transfer	$5Within the typical range ($3–$5 nationally)	At the national median	—	—	Source
ATM & CardVerified
ATM Transactions	$1Within the typical range ($1–$2.50 nationally)	$0.95 below the national median	—	—	Source
Replacement Card	$10Within the typical range ($5–$10 nationally)
Wire TransfersVerified
Wire out fee	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Check copy – Single item	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source
Money Orders	$1.50Below the typical range ($1.63–$3 nationally)
Digital & ElectronicVerified
ACH overdrafts – item returned	$27.50Within the typical range ($19.75–$30 nationally)	$0.50 above the national median	—	—	Source
Cash & DepositVerified
Deposited Check Returned	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	—	Source
Deposited Check Returned – Self Paid	$15
Account ServicesVerified
Levies	$75Within the typical range ($30–$75 nationally)	$25 above the national median	—	—	Source
Mortgage subordination fee	$100
Retirement & IRAVerified
IRA annual fee	$15Within the typical range ($10–$25 nationally)	At the national median	per year	—	Source
Other FeesVerified
Statement copies	$3Within the typical range ($2–$5 nationally)	At the national median	—	—	Source

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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 fee: $27.50

8% below the national median overdraft fee

Total fees: 17 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$49.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$49.0M

Total deposits

$39.5M

Service charge income (year to date)

$43K

Fee income ratio

3.9%

Return on assets

1.12%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 39,755 published fee entries from 2,777 institutions

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