Mills42 Federal Credit Union

Headquarters: Lowell, Massachusetts
Charter: Credit Union
Assets: $31.5M
Fed district: Boston

22 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.

Monthly Maintenance
Build From Here Checking Account
Mills42 Federal Credit Union: $6
Mills42 Federal Credit Union: $6
U.S. median: no median
Overdraft (OD)
Mills42 Federal Credit Union: $28
Mills42 Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Mills42 Federal Credit Union: $28
Mills42 Federal Credit Union: $28
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 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 Mills42 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Build From Here Checking Account Monthly service charge$6
per month
Inactive Member$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail/Bad Address$3
per month

Overdraft & NSF

Courtesy Pay$28
per item
Insufficient Funds/Return$28
per item
Overdraft Transfer$3
per item

ATM & Card

Replacement Card$22

Wire Transfers

Outgoing Wire Transfer (Domestic Only)$28
Incoming Wire$10

Check Services

Bank Check$3
per item
Dormant Official Check Processing$2
Money Order$3
per item
Checking Account / Bill Payer Stop Payments$25
per item
Non-member On-Us Check Cashing Fee$5
Copy of Bill Payment ItemNo charge
Copy of Draft/Check$15
per item

Digital & Electronic

ACH Insufficient Funds/Return$28
per item
Online Bill PayerNo charge

Cash & Deposit

Deposited Check Returned: Collectible$12
Deposited Check Returned: Uncollectible$25

Account Services

Notary Public ServicesNo charge
Attachment/Levy$50

Retirement & IRA

IRA Early Closure (Within 12 Months)$15
IRA Outgoing Rollover/Transfer$25
per item

Other Fees

Replacement/Interim Statement$15
Mortgage Letter of Subordination$300
Written Mortgage Payoff Statement$65

Fee	Amount	Basis	Note
Account Maintenance
Build From Here Checking Account Monthly service charge	$6	per month	None
Inactive Member	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail/Bad Address	$3	per month	None
Overdraft & NSF
Courtesy Pay	$28	per item	None
Insufficient Funds/Return	$28	per item	None
Overdraft Transfer	$3	per item	None
ATM & Card
Replacement Card	$22	Not stated	None
Wire Transfers
Outgoing Wire Transfer (Domestic Only)	$28	Not stated	None
Incoming Wire	$10	Not stated	None
Check Services
Bank Check	$3	per item	None
Dormant Official Check Processing	$2	Not stated	None
Money Order	$3	per item	None
Checking Account / Bill Payer Stop Payments	$25	per item	None
Non-member On-Us Check Cashing Fee	$5	Not stated	None
Copy of Bill Payment Item	No charge	Not stated	None
Copy of Draft/Check	$15	per item	None
Digital & Electronic
ACH Insufficient Funds/Return	$28	per item	None
Online Bill Payer	No charge	Not stated	None
Cash & Deposit
Deposited Check Returned: Collectible	$12	Not stated	None
Deposited Check Returned: Uncollectible	$25	Not stated	None
Account Services
Notary Public Services	No charge	Not stated	None
Attachment/Levy	$50	Not stated	None
Retirement & IRA
IRA Early Closure (Within 12 Months)	$15	Not stated	None
IRA Outgoing Rollover/Transfer	$25	per item	None
Other Fees
Replacement/Interim Statement	$15	Not stated	None
Mortgage Letter of Subordination	$300	Not stated	None
Written Mortgage Payoff Statement	$65	Not stated	None

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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