The Andovers Federal Credit Union

Headquarters: Andover, Massachusetts
Charter: Credit Union
Assets: $36.9M
Fed district: Boston

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
The Andovers Federal Credit Union: $10
The Andovers Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
The Andovers Federal Credit Union: $30
The Andovers Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
The Andovers Federal Credit Union: $25
The Andovers Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 The Andovers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 6 months$25
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$10
Insufficient Funds$30
Returned Check/ACH$30

ATM & Card

Lost VISA Credit/Debit Card$10
Debit Card Rush Delivery$50

Wire Transfers

Domestic Wire Transfer$25

Check Services

Stop Payment$25
Stop Payment on Official Credit Union Check$25
Photocopy of On-Us Checks$1

Account Services

Garnishments$25
Levies$25
Loan Subordination$150

Retirement & IRA

IRA External Transfer$25

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 6 months	$25	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$10	Not stated	None
Insufficient Funds	$30	Not stated	None
Returned Check/ACH	$30	Not stated	None
ATM & Card
Lost VISA Credit/Debit Card	$10	Not stated	None
Debit Card Rush Delivery	$50	Not stated	None
Wire Transfers
Domestic Wire Transfer	$25	Not stated	None
Check Services
Stop Payment	$25	Not stated	None
Stop Payment on Official Credit Union Check	$25	Not stated	None
Photocopy of On-Us Checks	$1	Not stated	None
Account Services
Garnishments	$25	Not stated	None
Levies	$25	Not stated	None
Loan Subordination	$150	Not stated	None
Retirement & IRA
IRA External Transfer	$25	Not stated	None

Correct a fee source

Oct 16, 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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