Worcester Federal Credit Union

Headquarters: Worcester, Massachusetts
Charter: Credit Union
Assets: $107.3M
Fed district: Boston

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

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

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Worcester Federal Credit Union: $30
Worcester Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Worcester Federal Credit Union: $1
Worcester Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Worcester Federal Credit Union: $30
Worcester Federal Credit Union: $30
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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Among its peers

Worcester Federal Credit Union · $107M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$105M to $110M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Worcester Federal Credit Union(this institution)	Worcester, MA	$107M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advanced Financial Federal Credit Union	New Providence, NJ	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage Federal Credit Union	Newton, IA	$106M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ascension Federal Credit Union	Gonzales, LA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bay Area Federal Credit Union	Oregon, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cherokee Strip Federal Credit Union	Ponca City, OK	$106M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Civic Central Federal Credit Union	Jefferson City, MO	$105M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmway Federal Credit Union	Beloit, KS	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lassen County Federal Credit Union	Susanville, CA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Membersfirst Ct Federal Credit Union	Meriden, CT	$107M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Money One Federal Credit Union	Largo, MD	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Onenebraska Federal Credit Union	Columbus, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Raritan Bay Federal Credit Union	Sayreville, NJ	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Roanoke Valley Community Federal Credit Union	Roanoke, VA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rockdale Federal Credit Union	Rockdale, TX	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Seaport Federal Credit Union	Elizabeth, NJ	$110M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Local Federal Credit Union	Sterling Heights, MI	$107M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valley 1St Community Federal Credit Union	Monessen, PA	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vue Community Federal Credit Union	Bismarck, ND	$106M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Weld Community Federal Credit Union	Greeley, CO	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Worcester Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.48 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Worcester Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Worcester Federal Credit…Peer (equal prices stack)Peer medianInclude $30 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Worcester Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee (Money Market & Preferred Checking Accounts)$5
Dormant Account Fee (Per month if no activity for 12 months)$5
per month
Account Research Fee (per hour, 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (per month)$3
per month

Overdraft & NSF

Overdraft/NSF Fee$30
"Overdraft Transfer Fee,"$30
Overdraft Transfer Fee$3

ATM & Card

ATM Transfer Fee (non-Worcester CU/SUM®/MoneyPass® ATMs)$1
ATM Withdrawal Service Charge (non-Worcester CU/SUM®/MoneyPass® ATMs)$1
Debit Card Replacement Fee (Instant Issue)$20
Debit Card Replacement Fee (Mail)$10

Wire Transfers

Outgoing Domestic Wire Transfer Fee$30

Check Services

Cashier’s Check$10
Money Order$3
Stop Payment Fee$30
Check Collection Fee$25
Check & Other Copies (per item)$2
per item

Digital & Electronic

ACH Return Fee$30

Cash & Deposit

Deposit Return Item Fee (includes loan payments)$6.84

Account Services

Garnishment/Levy Fee$125

Other Fees

Statement Copy$10

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee (Money Market & Preferred Checking Accounts)	$5	Not stated	None
Dormant Account Fee (Per month if no activity for 12 months)	$5	per month	None
Account Research Fee (per hour, 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (per month)	$3	per month	None
Overdraft & NSF
Overdraft/NSF Fee	$30	Not stated	None
"Overdraft Transfer Fee,"	$30	Not stated	None
Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
ATM Transfer Fee (non-Worcester CU/SUM®/MoneyPass® ATMs)	$1	Not stated	None
ATM Withdrawal Service Charge (non-Worcester CU/SUM®/MoneyPass® ATMs)	$1	Not stated	None
Debit Card Replacement Fee (Instant Issue)	$20	Not stated	None
Debit Card Replacement Fee (Mail)	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$30	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Money Order	$3	Not stated	None
Stop Payment Fee	$30	Not stated	None
Check Collection Fee	$25	Not stated	None
Check & Other Copies (per item)	$2	per item	None
Digital & Electronic
ACH Return Fee	$30	Not stated	None
Cash & Deposit
Deposit Return Item Fee (includes loan payments)	$6.84	Not stated	None
Account Services
Garnishment/Levy Fee	$125	Not stated	None
Other Fees
Statement Copy	$10	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.

Fee change alerts

Get an email when Worcester Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Worcester Federal Credit Union: $30
Worcester Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Worcester Federal Credit Union: $1
Worcester Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Worcester Federal Credit Union: $30
Worcester Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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.

Among its peers

Worcester Federal Credit Union · $107M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$105M to $110M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Worcester Federal Credit Union(this institution)	Worcester, MA	$107M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advanced Financial Federal Credit Union	New Providence, NJ	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage Federal Credit Union	Newton, IA	$106M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ascension Federal Credit Union	Gonzales, LA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bay Area Federal Credit Union	Oregon, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cherokee Strip Federal Credit Union	Ponca City, OK	$106M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Civic Central Federal Credit Union	Jefferson City, MO	$105M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmway Federal Credit Union	Beloit, KS	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lassen County Federal Credit Union	Susanville, CA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Membersfirst Ct Federal Credit Union	Meriden, CT	$107M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Money One Federal Credit Union	Largo, MD	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Onenebraska Federal Credit Union	Columbus, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Raritan Bay Federal Credit Union	Sayreville, NJ	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Roanoke Valley Community Federal Credit Union	Roanoke, VA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rockdale Federal Credit Union	Rockdale, TX	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Seaport Federal Credit Union	Elizabeth, NJ	$110M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Local Federal Credit Union	Sterling Heights, MI	$107M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valley 1St Community Federal Credit Union	Monessen, PA	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vue Community Federal Credit Union	Bismarck, ND	$106M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Weld Community Federal Credit Union	Greeley, CO	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Worcester Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.48 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Worcester Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Worcester Federal Credit…Peer (equal prices stack)Peer medianInclude $30 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Worcester Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee (Money Market & Preferred Checking Accounts)$5
Dormant Account Fee (Per month if no activity for 12 months)$5
per month
Account Research Fee (per hour, 1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (per month)$3
per month

Overdraft & NSF

Overdraft/NSF Fee$30
"Overdraft Transfer Fee,"$30
Overdraft Transfer Fee$3

ATM & Card

ATM Transfer Fee (non-Worcester CU/SUM®/MoneyPass® ATMs)$1
ATM Withdrawal Service Charge (non-Worcester CU/SUM®/MoneyPass® ATMs)$1
Debit Card Replacement Fee (Instant Issue)$20
Debit Card Replacement Fee (Mail)$10

Wire Transfers

Outgoing Domestic Wire Transfer Fee$30

Check Services

Cashier’s Check$10
Money Order$3
Stop Payment Fee$30
Check Collection Fee$25
Check & Other Copies (per item)$2
per item

Digital & Electronic

ACH Return Fee$30

Cash & Deposit

Deposit Return Item Fee (includes loan payments)$6.84

Account Services

Garnishment/Levy Fee$125

Other Fees

Statement Copy$10

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee (Money Market & Preferred Checking Accounts)	$5	Not stated	None
Dormant Account Fee (Per month if no activity for 12 months)	$5	per month	None
Account Research Fee (per hour, 1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (per month)	$3	per month	None
Overdraft & NSF
Overdraft/NSF Fee	$30	Not stated	None
"Overdraft Transfer Fee,"	$30	Not stated	None
Overdraft Transfer Fee	$3	Not stated	None
ATM & Card
ATM Transfer Fee (non-Worcester CU/SUM®/MoneyPass® ATMs)	$1	Not stated	None
ATM Withdrawal Service Charge (non-Worcester CU/SUM®/MoneyPass® ATMs)	$1	Not stated	None
Debit Card Replacement Fee (Instant Issue)	$20	Not stated	None
Debit Card Replacement Fee (Mail)	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer Fee	$30	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Money Order	$3	Not stated	None
Stop Payment Fee	$30	Not stated	None
Check Collection Fee	$25	Not stated	None
Check & Other Copies (per item)	$2	per item	None
Digital & Electronic
ACH Return Fee	$30	Not stated	None
Cash & Deposit
Deposit Return Item Fee (includes loan payments)	$6.84	Not stated	None
Account Services
Garnishment/Levy Fee	$125	Not stated	None
Other Fees
Statement Copy	$10	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.