Stoneham Municipal Employees Federal Credit Union

Headquarters: Stoneham, Massachusetts
Charter: Credit Union
Assets: $69.9M
Fed district: Boston

21 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.

NSF / Returned Item
Compared at $35, the middle of its prices
Stoneham Municipal Employees Federal Credit Union: $25 to $35
Stoneham Municipal Employees Federal Credit Union: $25 to $35
U.S. median: no median
Wire Transfer (Domestic Out)
Stoneham Municipal Employees Federal Credit Union: $25
Stoneham Municipal Employees Federal Credit Union: $25
U.S. median: no median
Stop Payment
Stoneham Municipal Employees Federal Credit Union: $25
Stoneham Municipal Employees Federal Credit Union: $25
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 Stoneham Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Club Early Close/Withdrawal Fee$15
per item
Early Close Fee (within 90 Days of opening)$20
Inactive Account Fee Monthly (after 12 months of Inactivity)$5
per month
Account Research/Balancing Assistance (per hour)$40
Not compared: Charged per hour; comparison unavailable
per hour
Invalid Address Fee (per month)$4
per month

Overdraft & NSF

NSF Recurring Transaction$35
NSF Returned Item (unpaid)$35
Return Check Fee for any reason$25
Overdraft Transfer Fee from Shares$5

ATM & Card

Card Replacement$15
Expedited Card Order/Replacement$50

Wire Transfers

Wire Transfers: Outgoing - Domestic$25
Wire Transfers: Incoming - Domestic$15
Wire Transfers: Outgoing - International$100
Wire Transfers: Incoming International$40

Check Services

Money OrderNo charge
Stop Payment$25
On-us Check Cashing (non-member)$5
Copy of Official Check$3

Cash & Deposit

Returned Deposit Item$30

Account Services

Tax Levy/Garnishment$50
Real Estate Subordination Fee$100

Lending Fees

Late Payment Fee$25

Retirement & IRA

IRA Transfer Fee (to another institution)$25

Other Fees

Copy of Statement$4

Fee	Amount	Basis	Note
Account Maintenance
Club Early Close/Withdrawal Fee	$15	per item	None
Early Close Fee (within 90 Days of opening)	$20	Not stated	None
Inactive Account Fee Monthly (after 12 months of Inactivity)	$5	per month	None
Account Research/Balancing Assistance (per hour)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Invalid Address Fee (per month)	$4	per month	None
Overdraft & NSF
NSF Recurring Transaction	$35	Not stated	None
NSF Returned Item (unpaid)	$35	Not stated	None
Return Check Fee for any reason	$25	Not stated	None
Overdraft Transfer Fee from Shares	$5	Not stated	None
ATM & Card
Card Replacement	$15	Not stated	None
Expedited Card Order/Replacement	$50	Not stated	None
Wire Transfers
Wire Transfers: Outgoing - Domestic	$25	Not stated	None
Wire Transfers: Incoming - Domestic	$15	Not stated	None
Wire Transfers: Outgoing - International	$100	Not stated	None
Wire Transfers: Incoming International	$40	Not stated	None
Check Services
Money Order	No charge	Not stated	None
Stop Payment	$25	Not stated	None
On-us Check Cashing (non-member)	$5	Not stated	None
Copy of Official Check	$3	Not stated	None
Cash & Deposit
Returned Deposit Item	$30	Not stated	None
Account Services
Tax Levy/Garnishment	$50	Not stated	None
Real Estate Subordination Fee	$100	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Retirement & IRA
IRA Transfer Fee (to another institution)	$25	Not stated	None
Other Fees
Copy of Statement	$4	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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