Somerville Municipal Federal Credit Union

Headquarters: Somerville, Massachusetts
Charter: Credit Union
Assets: $49.0M
Fed district: Boston

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Non-Network ATM
Somerville Municipal Federal Credit Union: $1
Somerville Municipal Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Somerville Municipal Federal Credit Union: $20
Somerville Municipal Federal Credit Union: $20
U.S. median: no median
Stop Payment
Somerville Municipal Federal Credit Union: $20
Somerville Municipal Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 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 Somerville Municipal Federal Credit Union’s own schedules, with a source for each figure.

Overdraft & NSF

Overdraft – Transfer (audience not stated, treated as personal)$5

ATM & Card

ATM Transactions (audience not stated, treated as personal)$1
Replacement Card (audience not stated, treated as personal)$10

Wire Transfers

Wire out fee (audience not stated, treated as personal)$20

Check Services

Official Check Fee (not payable to member) (audience not stated, treated as personal)$5
Money Orders (audience not stated, treated as personal)$1.50
Money Orders – Non Member (audience not stated, treated as personal)$3
Stop payment (audience not stated, treated as personal)$20
Check copy – Single item (audience not stated, treated as personal)$3
Official Check Copy (audience not stated, treated as personal)$5

Digital & Electronic

ACH overdrafts – item returned (audience not stated, treated as personal)$27.50

Cash & Deposit

Deposited Check Returned (audience not stated, treated as personal)$5
Deposited Check Returned – Self Paid (audience not stated, treated as personal)$15

Account Services

Levies (audience not stated, treated as personal)$75
Mortgage subordination fee$100

Retirement & IRA

IRA annual fee (audience not stated, treated as personal)$15
per year

Other Fees

Statement copies (audience not stated, treated as personal)$3

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft – Transfer (audience not stated, treated as personal)	$5	Not stated	None
ATM & Card
ATM Transactions (audience not stated, treated as personal)	$1	Not stated	None
Replacement Card (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfers
Wire out fee (audience not stated, treated as personal)	$20	Not stated	None
Check Services
Official Check Fee (not payable to member) (audience not stated, treated as personal)	$5	Not stated	None
Money Orders (audience not stated, treated as personal)	$1.50	Not stated	None
Money Orders – Non Member (audience not stated, treated as personal)	$3	Not stated	None
Stop payment (audience not stated, treated as personal)	$20	Not stated	None
Check copy – Single item (audience not stated, treated as personal)	$3	Not stated	None
Official Check Copy (audience not stated, treated as personal)	$5	Not stated	None
Digital & Electronic
ACH overdrafts – item returned (audience not stated, treated as personal)	$27.50	Not stated	None
Cash & Deposit
Deposited Check Returned (audience not stated, treated as personal)	$5	Not stated	None
Deposited Check Returned – Self Paid (audience not stated, treated as personal)	$15	Not stated	None
Account Services
Levies (audience not stated, treated as personal)	$75	Not stated	None
Mortgage subordination fee	$100	Not stated	None
Retirement & IRA
IRA annual fee (audience not stated, treated as personal)	$15	per year	None
Other Fees
Statement copies (audience not stated, treated as personal)	$3	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 21, 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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