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)

ATM & CardVerified

Transactions made at non-ALIGN ATM Terminal$1Within the typical range ($1–$2.25 nationally)
$0.50 below the national median$0.50 below the Massachusetts median
Source
Plastic Card Replacement Fee (ATM, Debit, Credit)$15Above the typical range ($5–$10 nationally)
$5 above the national median$5 above the Massachusetts median
Source

Wire TransfersVerified

Domestic Wire Fee (outgoing)$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Massachusetts median
Source
International Wire Fee (outgoing)$75Above the typical range ($40–$50 nationally)
$25 above the national median$30 above the Massachusetts median
Source

Check ServicesVerified

Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$1.25 below the Massachusetts median
Source
Stop Payment (18/65 Accounts)$10Below the typical range ($20–$30 nationally)
$17.50 below the national median$16.25 below the Massachusetts median
Source
Non-Member Check Cashing Fee$5Within the typical range ($5–$10 nationally)
At the national medianAt the Massachusetts median
Source
Check Image Copy (per copy)$3Within the typical range ($2–$5 nationally)
At the national median$2 below the Massachusetts median
per item · Source

Other FeesVerified

Statement Copy (per statement)$5Within the typical range ($2–$5 nationally)
$2 above the national medianAt the Massachusetts median
Source
Plastic Card Replacement RUSH Fee (ATM, Debit: Mortgage Subordination Fee$250Above the typical range ($25–$100 nationally)
$212.50 above the national median$100 above the Massachusetts median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Abandoned Property Submission	$25Above the typical range ($5–$10 nationally)	$20 above the national median$20 above the Massachusetts median	per month	—	Source
Dormant Account Monthly Fee	$3Below the typical range ($5–$10 nationally)	$2 below the national median$2 below the Massachusetts median	per month	—	Source
Overdraft & NSFVerified
Overdraft Transfers from Savings	$5Within the typical range ($2.50–$5 nationally)	At the national medianAt the Massachusetts median	—	—	Source
ATM & CardVerified
Transactions made at non-ALIGN ATM Terminal	$1Within the typical range ($1–$2.25 nationally)	$0.50 below the national median$0.50 below the Massachusetts median	—	—	Source
Plastic Card Replacement Fee (ATM, Debit, Credit)	$15
Wire TransfersVerified
Domestic Wire Fee (outgoing)	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Massachusetts median	—	—	Source
International Wire Fee (outgoing)	$75
Check ServicesVerified
Stop Payment	$25Within the typical range ($20–$30 nationally)	$2.50 below the national median$1.25 below the Massachusetts median	—	—	Source
Stop Payment (18/65 Accounts)	$10
Cash & DepositVerified
Returned Deposited	$7.14Below the typical range ($8–$25 nationally)	$7.86 below the national medianAt the Massachusetts median	per item	—	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–$87.50 nationally)	$30 below the national median$30 below the Massachusetts median	—	—	Source
Other FeesVerified
Statement Copy (per statement)	$5Within the typical range ($2–$5 nationally)	$2 above the national medianAt the Massachusetts median	—	—	Source
Plastic Card Replacement RUSH Fee (ATM, Debit: Mortgage Subordination Fee	$250

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Headline fees published

7 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

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Based on 65,356 published fee entries from 3,591 institutions

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