Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Billerica Municipal Employees Federal Credit Union

Billerica, MassachusettsCredit UnionBoston Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Overdraft & NSFVerified

18/65 NONSUFFICIENT FUNDS (DRAFT NON-SUFF FUN)$5Below the typical range ($25–$31 nationally)

Cash & DepositVerified

DEPOSIT ITEM RETURNED UNPAID (Drawn on own acct)$30Above the typical range ($10–$25 nationally)
$15 above the national median
Source
DEPOSIT ITEM RETURNED UNPAID (Not your item)$8.41Below the typical range ($10–$25 nationally)
$6.59 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Overdraft & NSFVerified
18/65 NONSUFFICIENT FUNDS (DRAFT NON-SUFF FUN)	$5Below the typical range ($25–$31 nationally)	$25 below the national median	—	—	Source
18/65 OVERDRAFT FEE (per item – Including re-deposited items)	$5Below the typical range ($25–$31 nationally)	$25 below the national median	per item	—	Source
NONSUFFICIENT FUNDS (DRAFT NON-SUFF FUN)	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
OVERDRAFT FEE (per item – Including re-deposited items)	$30Within the typical range ($25–$31 nationally)	At the national median	per item	—	Source
Check ServicesVerified
STOP PAYMENTS (all items)	$20Within the typical range ($20–$30 nationally)	$5 below the national median	—	—	Source
Cash & DepositVerified
DEPOSIT ITEM RETURNED UNPAID (Drawn on own acct)	$30Above the typical range ($10–$25 nationally)	$15 above the national median	—	—	Source
DEPOSIT ITEM RETURNED UNPAID (Not your item)	$8.41
Account ServicesVerified
GARNISHMENT FEE	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Other FeesVerified
PHOTOCOPY (per item)	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	—	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.

Overdraft

Overdraft fee: $5

83% below the national median overdraft fee

Total fees: 9 — leaner than most institutions

Headline fees published

4 of 15

Published fees

Under review

Assets

$23.6M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$23.6M

Total deposits

$19.2M

Service charge income (year to date)

$2K

Fee income ratio

0.47%

Return on assets

0.89%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 32,718 verified fees from 2,439 institutions

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