Midcoast Federal Credit Union

Headquarters: Freeport, Maine
Charter: Credit Union
Assets: $267.1M
Fed district: Boston

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $28, its standard fee, the highest of its prices
Midcoast Federal Credit Union: $0 to $28
Midcoast Federal Credit Union: $0 to $28
U.S. median: no median
NSF / Returned Item
Midcoast Federal Credit Union: $28
Midcoast Federal Credit Union: $28
U.S. median: no median
Wire Transfer (Domestic Out)
Midcoast Federal Credit Union: $10
Midcoast Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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

Account Maintenance

Below Minimum Balance (audience not stated, treated as personal)$5
per month
Early Account Closure (Within 6 months of opening)$5
Account Inactivity (After 12 months)$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address – Returned Correspondence$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ATM overdraft charge$28
per item
Overdraft (OD) (audience not stated, treated as personal)No charge
Overdraft Fee$28
Nonsufficient funds fee$28
per item
Nonsufficient funds fee (VISA ATM)$28
per item
Overdraft Transfer from Another Source$5
per item

ATM & Card

VISA ATM/Debit Card Replacement$10
per item
Foreign transactions1%of the transaction

Wire Transfers

Wire Transfer Domestic$10
Incoming Wire$10
per item
Wire Transfer International$25

Check Services

Money Order & Corporate Draft (audience not stated, treated as personal)$2
per item
ACH, Money Order & Corporate Check Stop Payment$20
per item
Stop Payment Request$10
per item
Counter Checks (4 per sheet)$2
per item
Non-Member Check Cashing (audience not stated, treated as personal)$5
per item
Check Copy$5
per item
Money Order & Corporate Draft Copy (audience not stated, treated as personal)$10
per item

Cash & Deposit

Deposited Check Return$10
per item

Account Services

Non-Member Notary Fee (audience not stated, treated as personal)$20
Drilled Box (audience not stated, treated as personal)$250
Not compared: Box drilling or key fee
per item
Replacement Key (audience not stated, treated as personal)$100
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)$110
per year
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)$45
per year
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$35
per year
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)$75
per year
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)$40
per year
Account Research/Legal Processing$50
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Mini-Statement Copy (Account History)$3
per item
Statement Copy$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance (audience not stated, treated as personal)	$5	per month	None
Early Account Closure (Within 6 months of opening)	$5	Not stated	None
Account Inactivity (After 12 months)	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address – Returned Correspondence	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ATM overdraft charge	$28	per item	None
Overdraft (OD) (audience not stated, treated as personal)	No charge	Not stated	None
Overdraft Fee	$28	Not stated	None
Nonsufficient funds fee	$28	per item	None
Nonsufficient funds fee (VISA ATM)	$28	per item	None
Overdraft Transfer from Another Source	$5	per item	None
ATM & Card
VISA ATM/Debit Card Replacement	$10	per item	None
Foreign transactions	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Domestic	$10	Not stated	None
Incoming Wire	$10	per item	None
Wire Transfer International	$25	Not stated	None
Check Services
Money Order & Corporate Draft (audience not stated, treated as personal)	$2	per item	None
ACH, Money Order & Corporate Check Stop Payment	$20	per item	None
Stop Payment Request	$10	per item	None
Counter Checks (4 per sheet)	$2	per item	None
Non-Member Check Cashing (audience not stated, treated as personal)	$5	per item	None
Check Copy	$5	per item	None
Money Order & Corporate Draft Copy (audience not stated, treated as personal)	$10	per item	None
Cash & Deposit
Deposited Check Return	$10	per item	None
Account Services
Non-Member Notary Fee (audience not stated, treated as personal)	$20	Not stated	None
Drilled Box (audience not stated, treated as personal)	$250Not compared: Box drilling or key fee	per item	None
Replacement Key (audience not stated, treated as personal)	$100Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$110	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$75	per year	None
Safe Deposit Box 5” x 5” (audience not stated, treated as personal)	$40	per year	None
Account Research/Legal Processing	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Mini-Statement Copy (Account History)	$3	per item	None
Statement Copy	$5	per item	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

Nov 2, 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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