Service Federal Credit Union

Headquarters: Portsmouth, New Hampshire
Charter: Credit Union
Assets: $6.7B
Fed district: Boston

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

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

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

Monthly Maintenance
Service Federal Credit Union: $10
Service Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Service Federal Credit Union: $19
Service Federal Credit Union: $19
U.S. median: no median
NSF / Returned Item
Compared at $12, the middle of its prices
Service Federal Credit Union: $5 to $19
Service Federal Credit Union: $5 to $19
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Hampshire, 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).
New Hampshire: Banks and credit unions headquartered in New Hampshire 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 Service Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

There is a monthly maintenance fee$10
per month
Money Market (under $2,500)$5
Inactive Account - per month (after 12 months of inactivity)$10
per month
Foreign Bank Research Fee$2
Research Fee - per hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay overdraft fee$19
per item
Overdraft (OD)$19
Bad Address Returned Item - per return$5
per item
Returned Items -per return (Nonsufficient funds/uncollected funds)$19
per item
Savings Transfer Overdraft ProtectionNo charge

ATM & Card

Out of Network ATM Fee 3No charge
Debit Card Replacement - Standard$9

Wire Transfers

Domestic Wire Transfer Fee - Outgoing$20
International Wire Transfer Fee (outgoing)$40

Check Services

Check printing fee Variable Cashier’s Check fee (waived for Direct Deposit+)$5
Money Order$3
Stop Payment$30
Foreign Check Processing Fee - checks drawn on Non-U.S. Banks - per item$18
per item
Check Copy - per item (free through online banking)$1.50
per item

Digital & Electronic

International Bill Payments - In-branch - per payment$2
Not compared: Per-item charge, not monthly
per item
International Bill Payments – Online - per payment$1
Not compared: Per-item charge, not monthly
per item

Account Services

Levy/Garnishment/Legal Service Fee - per action$100

Other Fees

Statement Copy - per statement period (free through online banking)$2
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
There is a monthly maintenance fee	$10	per month	None
Money Market (under $2,500)	$5	Not stated	None
Inactive Account - per month (after 12 months of inactivity)	$10	per month	None
Foreign Bank Research Fee	$2	Not stated	None
Research Fee - per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay overdraft fee	$19	per item	None
Overdraft (OD)	$19	Not stated	None
Bad Address Returned Item - per return	$5	per item	None
Returned Items -per return (Nonsufficient funds/uncollected funds)	$19	per item	None
Savings Transfer Overdraft Protection	No charge	Not stated	None
ATM & Card
Out of Network ATM Fee 3	No charge	Not stated	None
Debit Card Replacement - Standard	$9	Not stated	None
Wire Transfers
Domestic Wire Transfer Fee - Outgoing	$20	Not stated	None
International Wire Transfer Fee (outgoing)	$40	Not stated	None
Check Services
Check printing fee Variable Cashier’s Check fee (waived for Direct Deposit+)	$5	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$30	Not stated	None
Foreign Check Processing Fee - checks drawn on Non-U.S. Banks - per item	$18	per item	None
Check Copy - per item (free through online banking)	$1.50	per item	None
Digital & Electronic
International Bill Payments - In-branch - per payment	$2Not compared: Per-item charge, not monthly	per item	None
International Bill Payments – Online - per payment	$1Not compared: Per-item charge, not monthly	per item	None
Account Services
Levy/Garnishment/Legal Service Fee - per action	$100	Not stated	None
Other Fees
Statement Copy - per statement period (free through online banking)	$2Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 31, 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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