Millbury Federal Credit Union

Headquarters: Millbury, Massachusetts
Charter: Credit Union
Assets: $468.2M
Fed district: Boston

19 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
Premium Checking $5 · Optimum Checking $15
Compared at $10, the middle of its prices
Millbury Federal Credit Union: $5 to $15
Millbury Federal Credit Union: $5 to $15
U.S. median: no median
Overdraft (OD)
Millbury Federal Credit Union: $30
Millbury Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Millbury Federal Credit Union: $30
Millbury Federal Credit Union: $30
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 Millbury Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$15
per month
Monthly Maintenance$5
per month
Early Closing (prior to six (6) months) (audience not stated, treated as personal)$5
Monthly Inactivity Fee (after 12 months) (audience not stated, treated as personal)$3
per month
Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour · •Research (per hour) | $25.00
Monthly Paper Statement Fee (audience not stated, treated as personal)$3
per month

Overdraft & NSF

ATM/Debit/Bill Payer Overdraft$30
Non-Sufficient / Uncollected Funds (audience not stated, treated as personal)$30
Overdraft Sweep$5

ATM & Card

Use at NON-MCU ATM (audience not stated, treated as personal)$1
Card Replacement$10

Wire Transfers

Wire Transfer: Domestic$20
Wire Transfer: Incoming$10

Check Services

Official Bank Check$4
Money Order$3
Stop Payment / Bill Payer Stop Payment (audience not stated, treated as personal)$30
Temporary Checks$1
per item
Copy of Check/Statement$5

Digital & Electronic

Bill Pay Expedited Payment (overnight) (audience not stated, treated as personal)$14.95
Bill Pay Expedited Payment (same day) (audience not stated, treated as personal)$9.95

Cash & Deposit

Returned Deposited Item (audience not stated, treated as personal)$10

Account Services

Late Fee$10
Not compared: Box drilling or key fee
Lost Key$16
Not compared: Box drilling or key fee
Tax/Levy Attachment$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$15	per month	None
Monthly Maintenance	$5	per month	None
Early Closing (prior to six (6) months) (audience not stated, treated as personal)	$5	Not stated	None
Monthly Inactivity Fee (after 12 months) (audience not stated, treated as personal)	$3	per month	None
Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	•Research (per hour) \| $25.00
Monthly Paper Statement Fee (audience not stated, treated as personal)	$3	per month	None
Overdraft & NSF
ATM/Debit/Bill Payer Overdraft	$30	Not stated	None
Non-Sufficient / Uncollected Funds (audience not stated, treated as personal)	$30	Not stated	None
Overdraft Sweep	$5	Not stated	None
ATM & Card
Use at NON-MCU ATM (audience not stated, treated as personal)	$1	Not stated	None
Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer: Domestic	$20	Not stated	None
Wire Transfer: Incoming	$10	Not stated	None
Check Services
Official Bank Check	$4	Not stated	None
Money Order	$3	Not stated	None
Stop Payment / Bill Payer Stop Payment (audience not stated, treated as personal)	$30	Not stated	None
Temporary Checks	$1	per item	None
Copy of Check/Statement	$5	Not stated	None
Digital & Electronic
Bill Pay Expedited Payment (overnight) (audience not stated, treated as personal)	$14.95	Not stated	None
Bill Pay Expedited Payment (same day) (audience not stated, treated as personal)	$9.95	Not stated	None
Cash & Deposit
Returned Deposited Item (audience not stated, treated as personal)	$10	Not stated	None
Account Services
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Lost Key	$16Not compared: Box drilling or key fee	Not stated	None
Tax/Levy Attachment	$30	Not stated	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

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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