Luso Federal Credit Union

Headquarters: Ludlow, Massachusetts
Charter: Credit Union
Assets: $244.6M
Fed district: Boston

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $5.45, the middle of its prices
Luso Federal Credit Union: $3.95 to $6.95
Luso Federal Credit Union: $3.95 to $6.95
U.S. median: no median
Overdraft (OD)
Luso Federal Credit Union: $37
Luso Federal Credit Union: $37
U.S. median: no median
Wire Transfer (Domestic Out)
Luso Federal Credit Union: $40
Luso Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 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 Luso Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$6.95
per month
Monthly service charge$3.95
per month
Account Balancing/Reconciliation$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement ProcessingNo charge

Overdraft & NSF

Overdrafts Paid$37
per item
Sustained Overdraft – After 5 Days$5
per day
Overdraft Protection Transfer$12
per item

ATM & Card

Rush Order Processing$75
per item

Wire Transfers

Outgoing Domestic wire (audience not stated, treated as personal)$40
per item
Incoming Domestic wire (audience not stated, treated as personal)$35
per item
Mortgage Payoff – Incoming/Domestic wire$25
per item
Outgoing International wire (audience not stated, treated as personal)$65
per item

Check Services

Official Check: Member$10
per item
Money Order: Member$5
per item
Money Order: Non-Member (CASH ONLY)$10
per item
ACH Stop Payment$35
per item
Bill Payer Stop Payment – Member Request$30
per item
Share Draft Stop Payment$35
per item
Stop Payment / Reissue$40
per item
Temporary CheckNo charge
Check Copy$5
per item
Monthly eStatement Processing with Check ImagesNo charge
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Coin Machine: Member (audience not stated, treated as personal)No charge
Foreign VISA Credit Card Cash Advance$10
per item
Chargeback Processing$20
per item
Re-Deposit Returned Checks$15
per item

Account Services

Notary: Member (audience not stated, treated as personal)No charge
Notary: Non-Member$10
Additional Lost Key$25
Not compared: Box drilling or key fee
per item
Late Payment$25
Not compared: Monthly charge, not annual
per month
Tax Levy$50
per item
Home Equity Product(s) Subordination Fee$150
per item
Verification of Deposit$10
per item

Lending Fees

Late Payment$25
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Transfer: Incoming (audience not stated, treated as personal)No charge
IRA Transfer: Outgoing (audience not stated, treated as personal)$50

Other Fees

Fax: Incoming$5
per item
Photocopy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$6.95	per month	None
Monthly service charge	$3.95	per month	None
Account Balancing/Reconciliation	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Processing	No charge	Not stated	None
Overdraft & NSF
Overdrafts Paid	$37	per item	None
Sustained Overdraft – After 5 Days	$5	per day	None
Overdraft Protection Transfer	$12	per item	None
ATM & Card
Rush Order Processing	$75	per item	None
Wire Transfers
Outgoing Domestic wire (audience not stated, treated as personal)	$40	per item	None
Incoming Domestic wire (audience not stated, treated as personal)	$35	per item	None
Mortgage Payoff – Incoming/Domestic wire	$25	per item	None
Outgoing International wire (audience not stated, treated as personal)	$65	per item	None
Check Services
Official Check: Member	$10	per item	None
Money Order: Member	$5	per item	None
Money Order: Non-Member (CASH ONLY)	$10	per item	None
ACH Stop Payment	$35	per item	None
Bill Payer Stop Payment – Member Request	$30	per item	None
Share Draft Stop Payment	$35	per item	None
Stop Payment / Reissue	$40	per item	None
Temporary Check	No charge	Not stated	None
Check Copy	$5	per item	None
Monthly eStatement Processing with Check Images	No chargeNot compared: Monthly charge, not per item	per month	None
Cash & Deposit
Coin Machine: Member (audience not stated, treated as personal)	No charge	Not stated	None
Foreign VISA Credit Card Cash Advance	$10	per item	None
Chargeback Processing	$20	per item	None
Re-Deposit Returned Checks	$15	per item	None
Account Services
Notary: Member (audience not stated, treated as personal)	No charge	Not stated	None
Notary: Non-Member	$10	Not stated	None
Additional Lost Key	$25Not compared: Box drilling or key fee	per item	None
Late Payment	$25Not compared: Monthly charge, not annual	per month	None
Tax Levy	$50	per item	None
Home Equity Product(s) Subordination Fee	$150	per item	None
Verification of Deposit	$10	per item	None
Lending Fees
Late Payment	$25Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Transfer: Incoming (audience not stated, treated as personal)	No charge	Not stated	None
IRA Transfer: Outgoing (audience not stated, treated as personal)	$50	Not stated	None
Other Fees
Fax: Incoming	$5	per item	None
Photocopy	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 25, 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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