Metro Federal Credit Union

Headquarters: Chelsea, Massachusetts
Charter: Credit Union
Assets: $3.3B
Fed district: Boston

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

Source: its fee schedule, read Oct 9, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $34, its standard fee, the highest of its prices
Metro Federal Credit Union: $5 to $34
Metro Federal Credit Union: $5 to $34
U.S. median: no median
Non-Network ATM
Metro Federal Credit Union: $2.50
Metro Federal Credit Union: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Metro Federal Credit Union: $25
Metro Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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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Published fee schedule

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

Account Maintenance

High Yield Savings (charged if the average daily balance falls below $10,000.00)$25
Dormant Account Reactivation$5
Account Reconciliation and/or Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Paid NSF Fee$34
Paid NSF Fee$5

ATM & Card

Per Balance Inquiry, Withdrawal, Advance or Transfer at non-Metro ATMs$2.50
Debit/Credit Card Replacement$10

Wire Transfers

Outgoing Domestic Wire Transfer$25
Incoming Wire Transfer$10
Outgoing Foreign Wire Transfer$30

Check Services

Money Order$5
Stop Payment$30
Temporary Checks (minimum of 4)$0.25
Foreign Check Collection (Canada Only)$12

Digital & Electronic

Same Day ACH$15

Account Services

Levy, Lien, Writ and Attachment (Each)$50
per item

Other Fees

Reproduction of Statements (per statement)$5
Loan Payment by Phone$10

Fee	Amount	Basis	Note
Account Maintenance
High Yield Savings (charged if the average daily balance falls below $10,000.00)	$25	Not stated	None
Dormant Account Reactivation	$5	Not stated	None
Account Reconciliation and/or Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Paid NSF Fee	$34	Not stated	None
Paid NSF Fee	$5	Not stated	None
ATM & Card
Per Balance Inquiry, Withdrawal, Advance or Transfer at non-Metro ATMs	$2.50	Not stated	None
Debit/Credit Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Outgoing Foreign Wire Transfer	$30	Not stated	None
Check Services
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks (minimum of 4)	$0.25	Not stated	None
Foreign Check Collection (Canada Only)	$12	Not stated	None
Digital & Electronic
Same Day ACH	$15	Not stated	None
Account Services
Levy, Lien, Writ and Attachment (Each)	$50	per item	None
Other Fees
Reproduction of Statements (per statement)	$5	Not stated	None
Loan Payment by Phone	$10	Not stated	None

Account Maintenance

Essential Business Checking (charged if the average daily balance falls below $2,500.00$10
Minimum Balance$20

Fee	Amount	Basis	Note
Account Maintenance
Essential Business Checking (charged if the average daily balance falls below $2,500.00	$10	Not stated	None
Minimum Balance	$20	Not stated	None

Correct a fee source

Oct 9, 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.

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Fees against the market

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

Overdraft (OD)
Compared at $34, its standard fee, the highest of its prices
Metro Federal Credit Union: $5 to $34
Metro Federal Credit Union: $5 to $34
U.S. median: no median
Non-Network ATM
Metro Federal Credit Union: $2.50
Metro Federal Credit Union: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Metro Federal Credit Union: $25
Metro Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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.

Published fee schedule

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

Account Maintenance

High Yield Savings (charged if the average daily balance falls below $10,000.00)$25
Dormant Account Reactivation$5
Account Reconciliation and/or Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Paid NSF Fee$34
Paid NSF Fee$5

ATM & Card

Per Balance Inquiry, Withdrawal, Advance or Transfer at non-Metro ATMs$2.50
Debit/Credit Card Replacement$10

Wire Transfers

Outgoing Domestic Wire Transfer$25
Incoming Wire Transfer$10
Outgoing Foreign Wire Transfer$30

Check Services

Money Order$5
Stop Payment$30
Temporary Checks (minimum of 4)$0.25
Foreign Check Collection (Canada Only)$12

Digital & Electronic

Same Day ACH$15

Account Services

Levy, Lien, Writ and Attachment (Each)$50
per item

Other Fees

Reproduction of Statements (per statement)$5
Loan Payment by Phone$10

Fee	Amount	Basis	Note
Account Maintenance
High Yield Savings (charged if the average daily balance falls below $10,000.00)	$25	Not stated	None
Dormant Account Reactivation	$5	Not stated	None
Account Reconciliation and/or Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Paid NSF Fee	$34	Not stated	None
Paid NSF Fee	$5	Not stated	None
ATM & Card
Per Balance Inquiry, Withdrawal, Advance or Transfer at non-Metro ATMs	$2.50	Not stated	None
Debit/Credit Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Outgoing Foreign Wire Transfer	$30	Not stated	None
Check Services
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks (minimum of 4)	$0.25	Not stated	None
Foreign Check Collection (Canada Only)	$12	Not stated	None
Digital & Electronic
Same Day ACH	$15	Not stated	None
Account Services
Levy, Lien, Writ and Attachment (Each)	$50	per item	None
Other Fees
Reproduction of Statements (per statement)	$5	Not stated	None
Loan Payment by Phone	$10	Not stated	None

Account Maintenance

Essential Business Checking (charged if the average daily balance falls below $2,500.00$10
Minimum Balance$20

Fee	Amount	Basis	Note
Account Maintenance
Essential Business Checking (charged if the average daily balance falls below $2,500.00	$10	Not stated	None
Minimum Balance	$20	Not stated	None

Correct a fee source

Oct 9, 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.