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

River Works Federal Credit Union

Lynn, MassachusettsCredit UnionBoston Fed districtFees collected Mar 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

Account MaintenanceVerified

a monthly service fee will be applicable.$35Above the typical range ($3–$10 nationally)

Wire TransfersVerified

Wire Transfer: Incoming Domestic$0Below the typical range ($5–$15 nationally)
$10 below the national median
Source
Wire Transfer: Incoming International$40Above the typical range ($10–$25 nationally)
$25 above the national median
Source
Wire Transfer: Outgoing Domestic$25Within the typical range ($20–$25 nationally)
At the national median
Source

Check ServicesVerified

Money Orders$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Source
Official Bank Checks$2Below the typical range ($3–$5.50 nationally)
$3 below the national median
Source
Stop Payment on Bill Payer$20Within the typical range ($20–$30 nationally)
$6 below the national median
Source
Stop Payment Orders$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source
Stop Payment Orders — 65 and Over$0Below the typical range ($20–$30 nationally)
$26 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
a monthly service fee will be applicable.	$35Above the typical range ($3–$10 nationally)	$29.50 above the national median	per month	—	Source
Bill Payer (monthly fee)	$0Below the typical range ($3–$10 nationally)	$5.50 below the national median	per month	—	Source
Maintenance Service Charge	$2.50Below the typical range ($3–$10 nationally)	$3 below the national median	—	—	Source
Overdraft & NSFVerified
Returned Item/Insufficient Funds	$30Within the typical range ($25–$31 nationally)	At the national median	—	—	Source
ATM & CardVerified
Reissue of Lost/Stolen Cards	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Wire TransfersVerified
Wire Transfer: Incoming Domestic	$0Below the typical range ($5–$15 nationally)	$10 below the national median	—	—	Source
Wire Transfer: Incoming International	$40
Check ServicesVerified
Money Orders	$3Within the typical range ($1.75–$3 nationally)	$1 above the national median	—	—	Source
Official Bank Checks	$2
Account ServicesVerified
Tax Levy/Subpoenas/Attachments	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Retirement & IRAVerified
IRA Transfer or Close	$50Above the typical range ($25–$35.63 nationally)	$25 above the national median	—	—	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: $30

NSF fee is aligned with the national median

Total fees: 15 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$192.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$192.9M

Total deposits

$173.6M

Service charge income (year to date)

$401K

Fee income ratio

7.4%

Return on assets

0.54%

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 34,850 published fee entries from 2,498 institutions

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