River Works Federal Credit Union

Headquarters: Lynn, Massachusetts
Charter: Credit Union
Assets: $192.9M
Fed district: Boston

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

Source: its fee schedule, read Mar 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Compared at $18.75, the middle of its prices
River Works Federal Credit Union: $2.50 to $35
River Works Federal Credit Union: $2.50 to $35
U.S. median: no median
NSF / Returned Item
River Works Federal Credit Union: $30
River Works Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
River Works Federal Credit Union: $25
River Works Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

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

Account Maintenance

Maintenance Service Charge (audience not stated, treated as personal)$2.50
Monthly Maintenance$35
per month

Overdraft & NSF

Returned Item/Insufficient Funds$30

ATM & Card

Reissue of Lost/Stolen Cards$10

Wire Transfers

Wire Transfer: Outgoing Domestic (audience not stated, treated as personal)$25
Wire Transfer: Incoming Domestic (audience not stated, treated as personal)No charge
Wire Transfer: Incoming International (audience not stated, treated as personal)$40

Check Services

Official Bank Checks (audience not stated, treated as personal)$2
Money Orders (audience not stated, treated as personal)$3
Stop Payment on Bill Payer (audience not stated, treated as personal)$20
Stop Payment Orders$30
Stop Payment Orders — 65 and OverNo charge

Digital & Electronic

Bill Payer (monthly fee) (audience not stated, treated as personal)No charge
per month

Account Services

Tax Levy/Subpoenas/Attachments (audience not stated, treated as personal)$50

Retirement & IRA

IRA Transfer or Close (audience not stated, treated as personal)$50

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge (audience not stated, treated as personal)	$2.50	Not stated	None
Monthly Maintenance	$35	per month	None
Overdraft & NSF
Returned Item/Insufficient Funds	$30	Not stated	None
ATM & Card
Reissue of Lost/Stolen Cards	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing Domestic (audience not stated, treated as personal)	$25	Not stated	None
Wire Transfer: Incoming Domestic (audience not stated, treated as personal)	No charge	Not stated	None
Wire Transfer: Incoming International (audience not stated, treated as personal)	$40	Not stated	None
Check Services
Official Bank Checks (audience not stated, treated as personal)	$2	Not stated	None
Money Orders (audience not stated, treated as personal)	$3	Not stated	None
Stop Payment on Bill Payer (audience not stated, treated as personal)	$20	Not stated	None
Stop Payment Orders	$30	Not stated	None
Stop Payment Orders — 65 and Over	No charge	Not stated	None
Digital & Electronic
Bill Payer (monthly fee) (audience not stated, treated as personal)	No charge	per month	None
Account Services
Tax Levy/Subpoenas/Attachments (audience not stated, treated as personal)	$50	Not stated	None
Retirement & IRA
IRA Transfer or Close (audience not stated, treated as personal)	$50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Mar 17, 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 River Works Federal Credit Union's nsf / returned item changes in our data

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