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

Mills42 Federal Credit Union

Lowell, 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

Account MaintenanceVerified

Account Research$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay$28Within the typical range ($25–$32 nationally)
$2 below the national median
per item · Source
Insufficient Funds/Return$28Within the typical range ($25–$31.50 nationally)
$2 below the national median
per item · Source
Overdraft Transfer$3Within the typical range ($3–$5 nationally)
$2 below the national median
per item · Source

Wire TransfersVerified

Incoming Wire$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire Transfer (Domestic Only)$28Above the typical range ($20–$25 nationally)
$3 above the national median
Source

Check ServicesVerified

Bank Check$3Within the typical range ($3–$5.50 nationally)
$2 below the national median
Source
Checking Account / Bill Payer Stop Payments$25Within the typical range ($20–$30 nationally)
$2 below the national median
Source
Copy of Bill Payment Item$0Below the typical range ($2–$5 nationally)
$3 below the national median
Source
Copy of Draft/Check$15Above the typical range ($2–$5 nationally)
$12 above the national median
per item · Source
Dormant Official Check Processing$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
Source
Money Order$3Within the typical range ($1.69–$3 nationally)
$1 above the national median
Source
Non-member On-Us Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Source

Retirement & IRAVerified

IRA Early Closure (Within 12 Months)$15Below the typical range ($25–$35 nationally)
$10 below the national median
Source
IRA Outgoing Rollover/Transfer$25Within the typical range ($25–$35 nationally)
At the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Inactive Member	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Monthly Service Charge	$7Within the typical range ($3–$10 nationally)	$1.05 above the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay	$28Within the typical range ($25–$32 nationally)	$2 below the national median	per item	—	Source
Insufficient Funds/Return	$28
ATM & CardVerified
Replacement Card	$22Above the typical range ($5–$10 nationally)	$12 above the national median	—	—	Source
Wire TransfersVerified
Incoming Wire	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing Wire Transfer (Domestic Only)	$28
Check ServicesVerified
Bank Check	$3Within the typical range ($3–$5.50 nationally)	$2 below the national median	—	—	Source
Checking Account / Bill Payer Stop Payments	$25
Digital & ElectronicVerified
ACH Insufficient Funds/Return	$28Within the typical range ($18.25–$30 nationally)	$1 above the national median	per item	—	Source
Account ServicesVerified
Attachment/Levy	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Retirement & IRAVerified
IRA Early Closure (Within 12 Months)	$15Below the typical range ($25–$35 nationally)	$10 below the national median	—	—	Source
IRA Outgoing Rollover/Transfer	$25
Other FeesVerified
Replacement/Interim Statement	$15Above the typical range ($2–$5 nationally)	$12 above 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

$28

Overdraft fee: $28

7% below the national median overdraft fee

Total fees: 21 — leaner than most institutions

Headline fees published

9 of 15

Published fees

Under review

Assets

$31.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$31.5M

Total deposits

$27.5M

Service charge income (year to date)

$60K

Fee income ratio

6.0%

Return on assets

0.79%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 39,573 published fee entries from 2,758 institutions

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