Compared with Massachusetts
0 of 12
compared fees are above the median.
10 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
31st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 12 compared; 10 below, 2 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Members Plus Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Massachusetts median | Published fees above the Massachusetts median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Members Plus Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.1% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (31st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $236K in Q2 2026, 4.8% below the same quarter a year earlier ($248K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 12 compared published fees sit above the Massachusetts median; 10 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Massachusetts medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Members Plus Checking
Can be waived with a balance of $300 or more.
Wire Transfer (Domestic Out)
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.
Fee income was about level from Q3 2025 to Q2 2026, at $236K. Its share of revenue, 6.1%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$236K
Members Plus Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Members Plus Federal Credit Union · $349M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Members Plus Federal Credit Union(this institution) | Medford, MA | $349M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Extra Federal Credit Union | Warren, MI | $345M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Of Ny Federal Credit Union | Rochester, NY | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Alliance Federal Credit Union | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guadalupe Federal Credit Union | Santa Fe, NM | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Industrial Federal Credit Union | Lafayette, IN | $356M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Massmutual Federal Credit Union | Springfield, MA | $344M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan United Federal Credit Union | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mobility Credit Union | Irving, TX | $358M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oregonians Federal Credit Union | Milwaukie, OR | $339M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peninsula Federal Credit Union | Escanaba, MI | $356M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinal County Federal Credit Union | Casa Grande, AZ | $339M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Strata Federal Credit Union | Bakersfield, CA | $345M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transportation Federal Credit Union | Alexandria, VA | $346M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unitedone Federal Credit Union | Manitowoc, WI | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Us Community Federal Credit Union | Nashville, TN | $346M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Virginia Central Federal Credit Union | Parkersburg, WV | $341M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3, the middle of its two prices, against a peer median of $6.48 among 14 publishing peers.
Its two checking prices are $3 and $3.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Members Plus Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $236K | +$14K | +6.3% |
| Q1 2026 | $222K | −$24K | −9.8% |
| Q4 2025 | $246K | +$12K | +5.1% |
| Q3 2025 | $234K | −$14K | −5.6% |
| Q2 2025 | $248K | +$25K | +11.2% |
| Q1 2025 | $223K | −$16K | −6.7% |
| Q4 2024 | $239K | −$6K | −2.4% |
| Q3 2024 | $245K | +$8K | +3.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Members Plus Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Members Plus Federal Credit Union by share.
Amounts from Members Plus Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Reconciliation (Member Error) | $25 per hour
per hour · Account Research | $25 per hour
per statement · Returned Statement Fee | $3 per statement
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Members Plus Checking Monthly Service Fee (Balance below $300) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Members Plus Image Checking Monthly Service Fee (Balance below $500) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (Member Error) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation (Member Error) | $25 per hour |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $25 per hour |
| Returned Statement Fee | $3Not compared: Charged per statement; comparison unavailable | per statement | Returned Statement Fee | $3 per statement |
Overdraft & NSF | |||
| Insufficient Funds or Uncollected Funds created by checks, withdrawals or other electronic transactions Note: fee for 18 | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement of Lost or Stolen ATM, Debit, or Mastercard | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire – Domestic | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire – International | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check (1 free per transaction) over 1 | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment: Single | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Check - older than 6 months | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Check – within 6 months | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Lien, Levy, Writ and Attachment Processing | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer Out/Close Out | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 21, 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.
Where Members Plus Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Dorchester, MA | 2 |
| Everett, MA | 1 |
| Medford, MA | 1 |
| Norwood, MA | 1 |
| Plymouth, MA | 1 |
| Winchester, MA | 1 |
Largest competitors nearby
Local market: Middlesex county, MA, around its headquarters.
| 72 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 19.4% |
| Citizens Bank, National Association | 10.6% |
| Cambridge Savings Bank | 6.4% |
| TD Bank, National Association | 6.3% |
| Eastern Bank | 5.9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.