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, $300M to $1B

Align Federal Credit Union

Lowell, MassachusettsCredit UnionBoston Fed districtFees collected Oct 5, 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

Abandoned Property Submission$25Above the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=dormant_account; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Monthly Maintenance Fee 1 Small Business Checking | $2.00 | Abandoned Property Submission | $25.00" · Source

Dormant Account Monthly Fee$3

$2 below the national median

per month · Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=dormant_account; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Check Image Copy (per copy) | $3.00 | Dormant Account Monthly Fee*** | $3.00" · Source

Overdraft & NSFVerified

Overdraft Transfers from Savings$5Within the typical range ($2.88–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=od_protection_transfer; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Overdraft Transfers from Savings | $5.00" · Source

ATM & CardVerified

Plastic Card Replacement Fee (ATM, Debit, Credit)$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=card_replacement; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Plastic Card Replacement Fee (ATM, Debit, Credit) | $15.00 | Non-Member Check Cashing Fee | $5.00" · Source
Transactions made at non-ALIGN ATM Terminal$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=atm_non_network; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Transactions made at non-ALIGN ATM Terminal | $1.00 (1 st 8 per" · Source

Wire TransfersVerified

Domestic Wire Fee (outgoing)$20Within the typical range ($20–$25 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=wire_domestic_outgoing; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="recent 12 month period and the balance is less than $200. | Domestic Wire Fee (outgoing) | $20.00" · Source

Check ServicesVerified

Check Image Copy (per copy)$3Within the typical range ($2–$5 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=check_image; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Check Image Copy (per copy) | $3.00 | Dormant Account Monthly Fee*** | $3.00" · Source
Non-Member Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=check_cashing; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Plastic Card Replacement Fee (ATM, Debit, Credit) | $15.00 | Non-Member Check Cashing Fee | $5.00" · Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=stop_payment; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Stop Payment* | $25.00" · Source
Stop Payment (18/65 Accounts)$10Below the typical range ($20–$30 nationally)
$17 below the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=stop_payment; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Stop Payment* (18/65 Accounts) | $10.00" · Source

Cash & DepositVerified

Each time we return a debit or draft for insufficient funds, we will assess an non sufficient fund | Returned Deposited$7.14Below the typical range ($10–$25 nationally)
$7.86 below the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=deposited_item_return; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Each time we return a debit or draft for insufficient funds, we will assess an non sufficient fund | Returned Deposited Items⁴ | $7.14" · Source

Account ServicesVerified

If a member opens several checking accounts, the limit is 1 box, not one box per | Tax Levy/Attachment$20Below the typical range ($30–$75 nationally)
$30 below the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=garnishment_levy; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="** If a member opens several checking accounts, the limit is 1 box, not one box per | Tax Levy/Attachment | $20.00" · Source
Plastic Card Replacement RUSH Fee (ATM, Debit, | Mortgage Subordination Fee$250Above the typical range ($30–$125 nationally)
$175 above the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=legal_process; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Plastic Card Replacement RUSH Fee (ATM, Debit, | Mortgage Subordination Fee | $250.00" · Source

Other FeesVerified

Statement Copy (per statement)$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=document_reproduction; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Statement Copy (per statement) | $5.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Abandoned Property Submission	$25Above the typical range ($5–$10 nationally)	$20 above the national median	per month	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=dormant_account; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Monthly Maintenance Fee 1 Small Business Checking \| $2.00 \| Abandoned Property Submission \| $25.00"	Source
Dormant Account Monthly Fee	$3Below the typical range ($5–$10 nationally)	$2 below the national median	per month	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=dormant_account; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Check Image Copy (per copy) \| $3.00 \| Dormant Account Monthly Fee*** \| $3.00"	Source
Overdraft & NSFVerified
Overdraft Transfers from Savings	$5Within the typical range ($2.88–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=od_protection_transfer; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Overdraft Transfers from Savings \| $5.00"	Source
ATM & CardVerified
Plastic Card Replacement Fee (ATM, Debit, Credit)	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=card_replacement; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Plastic Card Replacement Fee (ATM, Debit, Credit) \| $15.00 \| Non-Member Check Cashing Fee \| $5.00"	Source
Wire TransfersVerified
Domestic Wire Fee (outgoing)	$20Within the typical range ($20–$25 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=wire_domestic_outgoing; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="recent 12 month period and the balance is less than $200. \| Domestic Wire Fee (outgoing) \| $20.00"	Source
Check ServicesVerified
Check Image Copy (per copy)	$3Within the typical range ($2–$5 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=check_image; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Check Image Copy (per copy) \| $3.00 \| Dormant Account Monthly Fee*** \| $3.00"	Source

Cash & DepositVerified
Each time we return a debit or draft for insufficient funds, we will assess an non sufficient fund \| Returned Deposited	$7.14Below the typical range ($10–$25 nationally)	$7.86 below the national median	—	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=deposited_item_return; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Each time we return a debit or draft for insufficient funds, we will assess an non sufficient fund \| Returned Deposited Items⁴ \| $7.14"	Source
Account ServicesVerified
If a member opens several checking accounts, the limit is 1 box, not one box per \| Tax Levy/Attachment	$20Below the typical range ($30–$75 nationally)	$30 below the national median	—	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=garnishment_levy; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="** If a member opens several checking accounts, the limit is 1 box, not one box per \| Tax Levy/Attachment \| $20.00"	Source
Other FeesVerified
Statement Copy (per statement)	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #9010. canonical_hint=document_reproduction; text_hash=16cb49f45a2ab1ebeecf026e6eaf99eb585bb920af9705456382987007be58da; excerpt="Statement Copy (per statement) \| $5.00"	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: $7.14

76% below the national median NSF fee

Total fees: 14 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$650.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$650.9M

Total deposits

$556.8M

Service charge income (year to date)

$567K

Fee income ratio

3.6%

Return on assets

-0.45%

Financial profile · Pro

Performance from regulator filings

Non-Member Check Cashing Fee

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

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Based on 27,539 verified fees from 2,277 institutions

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