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

Gardiner Federal Credit Union

Gardiner, MaineCredit UnionBoston Fed districtFees collected Oct 5, 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

Monthly Service Charges$0Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Privilege$28Within the typical range ($25–$33 nationally)
$2 below the national medianAt the Maine median
per item · Source
Non Sufficient Funds (rejected drafts)$28Within the typical range ($25–$32 nationally)
$2 below the national medianAt the Maine median
per item · Source
Overdraft Protection (automatic transfers from deposit accounts)$3Within the typical range ($2.50–$5 nationally)
$2 below the national medianAt the Maine median
per item · Source

Check ServicesVerified

Money Orders$1.25Below the typical range ($1.50–$3 nationally)
$0.75 below the national median$1.25 below the Maine median
per item · Source
Stop Payment Sequence$25Within the typical range ($20–$30 nationally)
$2.50 below the national medianAt the Maine median
Source
Check Copy$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
Monthly Service Charges	$0Below the typical range ($4–$10 nationally)	$6 below the national median$4.99 below the Maine median	per month	—	Source
Account Research/Reconciliation	$10Below the typical range ($12–$25 nationally)	$7.50 below the national median$15 below the Maine median	—	—	Source
Overdraft & NSFVerified
Overdraft Privilege	$28Within the typical range ($25–$33 nationally)	$2 below the national medianAt the Maine median	per item	—	Source
Non Sufficient Funds (rejected drafts)	$28
ATM & CardVerified
Surcharge – SurF ATM Withdrawals	$0Below the typical range ($1–$2.25 nationally)	$1.50 below the national median$1.13 below the Maine median	—	—	Source
Wire TransfersVerified
Wire Transfers: Foreign/International	$30Below the typical range ($40–$50 nationally)	$20 below the national median$10 below the Maine median	per item	—	Source
Check ServicesVerified
Money Orders	$1.25Below the typical range ($1.50–$3 nationally)	$0.75 below the national median$1.25 below the Maine median	per item	—	Source
Stop Payment Sequence	$25
Cash & DepositVerified
Return Items	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the Maine median	per item	—	Source
Gift & Prepaid CardsVerified
Gift Cards	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$0.25 below the Maine median	per item	—	Source
Other FeesVerified
Statement Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median$0.63 below the Maine median	per item	—	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

$28

Overdraft fee: $28

7% below the national median overdraft fee

13 verified fees collected

Headline fees published

8 of 15

Published fees

Under review

Assets

$100.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$100.7M

Total deposits

$84.1M

Service charge income (year to date)

$160K

Fee income ratio

5.5%

Return on assets

1.82%

Financial profile · Pro

Performance from regulator filings

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Based on 65,356 published fee entries from 3,591 institutions

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