Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Harvard Federal Credit Union

Cambridge, MassachusettsCredit UnionBoston Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research$25Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=account_research; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Account Research / $ 25.00 per hour ($25 minimum)" · Source

Overdraft & NSFVerified

Insufficient Funds (check or electronic) Returned$25Within the typical range ($25–$32 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=nsf; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Insufficient Funds (check or electronic) Returned / $ 25.00" · Source
Overdraft Protection(from savings, pre-authorized)$5Within the typical range ($2.50–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=od_protection_transfer; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Overdraft Protection(from savings, pre-authorized) / $ 5.00" · Source

ATM & CardVerified

Card Replacement$20Above the typical range ($5–$10 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=card_replacement; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Card Replacement2 / $ 20.00" · Source

Check ServicesVerified

Copy of Check Paid$4Within the typical range ($2–$5 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=check_image; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Copy of Check Paid / $ 4.00" · Source
Stop Payment$20Within the typical range ($20–$30 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=stop_payment; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Stop Payment / $ 20.00" · Source
Tellers Check$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=cashiers_check; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Tellers Check / $ 5.00" · Source
Temporary Checks (sheet of four)$4Within the typical range ($1–$4 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=counter_check; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Temporary Checks (sheet of four) / $4.00" · Source

Digital & ElectronicVerified

Online Bill Pay$0Within the typical range ($0–$12.50 nationally)
$5 below the national median
Knox read a free fee from Rosetta artifact #1884. canonical_hint=bill_pay; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Online Bill Pay / FREE" · Source

Account ServicesVerified

Levy Processing Fee$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=garnishment_levy; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Levy Processing Fee / $ 50.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research	$25Within the typical range ($15–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=account_research; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Account Research / $ 25.00 per hour ($25 minimum)"	Source
Overdraft & NSFVerified
Insufficient Funds (check or electronic) Returned	$25Within the typical range ($25–$32 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=nsf; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Insufficient Funds (check or electronic) Returned / $ 25.00"	Source
Overdraft Protection(from savings, pre-authorized)
ATM & CardVerified
Card Replacement	$20Above the typical range ($5–$10 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=card_replacement; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Card Replacement2 / $ 20.00"	Source
Check ServicesVerified
Copy of Check Paid	$4Within the typical range ($2–$5 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=check_image; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Copy of Check Paid / $ 4.00"	Source
Stop Payment	$20
Digital & ElectronicVerified
Online Bill Pay	$0Within the typical range ($0–$12.50 nationally)	$5 below the national median	—	Knox read a free fee from Rosetta artifact #1884. canonical_hint=bill_pay; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Online Bill Pay / FREE"	Source
Account ServicesVerified
Levy Processing Fee	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #1884. canonical_hint=garnishment_levy; text_hash=9042ca35b9b86876cdae4ac872611d0dad101bdb5853307cc649ce63253dd861; excerpt="Levy Processing Fee / $ 50.00"	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.

NSF fee: $25

14% below the national median NSF fee

Total fees: 10 — leaner than most institutions

Verified fees

Under review

Assets

$1.2B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.2B

Total deposits

$922.7M

Service charge income (year to date)

$1.3M

Fee income ratio

4.2%

Return on assets

0.28%

Financial profile · Pro

Performance from regulator filings

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