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

The Andovers Federal Credit Union

Andover, MassachusettsCredit UnionBoston Fed districtFees collected Apr 2, 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 closed within 6 months$25Within the typical range ($10–$25 nationally)

Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=early_closure; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Account closed within 6 months | $25.00" · Source

Account Reconciliation$25

At the national median

Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=account_research; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Account Reconciliation | $25.00 Per Hour" · Source

Overdraft & NSFVerified

Overdraft Fee$10Below the typical range ($25–$31 nationally)
$20 below the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=overdraft; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Overdraft Fee | $10.00" · Source
Returned Check/ACH$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=nsf; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Returned Check/ACH | $30.00" · Source

ATM & CardVerified

Debit Card Rush Delivery$50Within the typical range ($30–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=rush_card; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Debit Card Rush Delivery | $50.00" · Source
Lost VISA Credit/Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=card_replacement; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Lost VISA Credit/Debit Card | $10.00" · Source

Check ServicesVerified

Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=stop_payment; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Stop Payment | $25.00" · Source

Account ServicesVerified

Garnishments$25Below the typical range ($30–$75 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=garnishment_levy; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Garnishments | $25.00" · Source
Loan Subordination$150Above the typical range ($30–$125 nationally)
$75 above the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=legal_process; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Loan Subordination | $150.00" · Source

Retirement & IRAVerified

IRA External Transfer$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=ira_termination; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="IRA External Transfer | $25.00" · Source

Other FeesVerified

Photocopy of On-Us Checks$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=document_reproduction; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Photocopy of On-Us Checks | $1.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account closed within 6 months	$25Within the typical range ($10–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=early_closure; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Account closed within 6 months \| $25.00"	Source
Account Reconciliation	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=account_research; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Account Reconciliation \| $25.00 Per Hour"	Source
Overdraft & NSFVerified
Overdraft Fee	$10Below the typical range ($25–$31 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=overdraft; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Overdraft Fee \| $10.00"	Source
Returned Check/ACH	$30
ATM & CardVerified
Debit Card Rush Delivery	$50Within the typical range ($30–$50 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=rush_card; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Debit Card Rush Delivery \| $50.00"	Source
Lost VISA Credit/Debit Card	$10
Check ServicesVerified
Stop Payment	$25Within the typical range ($20–$30 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=stop_payment; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Stop Payment \| $25.00"	Source
Account ServicesVerified
Garnishments	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=garnishment_levy; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Garnishments \| $25.00"	Source
Loan Subordination	$150
Retirement & IRAVerified
IRA External Transfer	$25Within the typical range ($25–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=ira_termination; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="IRA External Transfer \| $25.00"	Source
Other FeesVerified
Photocopy of On-Us Checks	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #7850. canonical_hint=document_reproduction; text_hash=e446b33973fd272222038ed28f84c733ea3dd313091bd8e53d5a292615d181f2; excerpt="Photocopy of On-Us Checks \| $1.00"	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

$10

Overdraft fee: $10

67% below the national median overdraft fee

Total fees: 11 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$36.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$36.9M

Total deposits

$32.0M

Service charge income (year to date)

$11K

Fee income ratio

1.6%

Return on assets

1.00%

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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