22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 28, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 28, 2026
Call-report figures are for Athol 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Athol Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $119K in Q2 2026, 32% below the same quarter a year earlier ($175K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Fresh Start Checking $7.95 to $9.95
Compared at $7.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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 fell 11% from Q3 2025 to Q2 2026, to $119K.
$119K
Athol Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Athol Federal Credit Union · $99M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Athol Federal Credit Union(this institution) | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Afena Federal Credit Union | Marion, IN | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Common Trust Federal Credit Union | Woburn, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Ashtabula, OH | $100M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connects Federal Credit Union | Richmond, VA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gardiner Federal Credit Union | Gardiner, ME | $101M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Healthcare First Credit Union | Johnstown, PA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Journey Federal Credit Union | Des Moines, IA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point West Federal Credit Union | Portland, OR | $98M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Railroad Federal Credit Union | Irondale, AL | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ridgedale Federal Credit Union | East Hanover, NJ | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sno Falls Federal Credit Union | North Bend, WA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Pius X Church Federal Credit Union | Rochester, NY | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tampa Postal Federal Credit Union | Tampa, FL | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tewksbury Federal Credit Union | Tewksbury, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity Catholic Federal Credit Union | Parma, OH | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Toledo Federal Credit Union | Toledo, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Va Desert Pacific Federal Credit Union | Long Beach, CA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.95, the middle of its three prices, against a peer median of $4.95 among 9 publishing peers.
Its three checking prices are $7.95, $7.95 and $9.95.
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 22, 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 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Athol 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 | $119K | +$20K | +20.2% |
| Q1 2026 | $99K | −$38K | −27.7% |
| Q4 2025 | $137K | +$3K | +2.2% |
| Q3 2025 | $134K | −$41K | −23.4% |
| Q2 2025 | $175K | +$82K | +88.2% |
| Q1 2025 | $93K | −$24K | −20.5% |
| Q4 2024 | $117K | +$9K | +8.3% |
| Q3 2024 | $108K | +$1K | +0.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Athol Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour · Account Reconciliation/Research | $30 per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee | $7.95 | per month | None |
| Monthly Service Charge with Direct Deposit | $7.95 | per month | None |
| Monthly Service Charge without Direct Deposit | $9.95 | per month | None |
| New Account Closing (Within 6 Months) | $15 | Not stated | None |
| Dormancy Charge after 2 yrs | $10 | per month | None |
| Account Reconciliation/Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Research | $30 per hour |
| Returned Mail | $10 | Not stated | None |
Overdraft & NSF | |||
| Overdraft/ Insufficient Funds (audience not stated, treated as personal) | $30 | Not stated | None |
| Overdraft/ Insufficient Funds (audience not stated, treated as personal) | $30 | Not stated | None |
| Consecutive Day Overdraft (after 10th business day) (audience not stated, treated as personal) | $30 | Not stated | None |
ATM & Card | |||
| Lost ATM/Debit Card Replacement (audience not stated, treated as personal) | $20 | Not stated | None |
| Rush Order (audience not stated, treated as personal) | $30 | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER FEES: Domestic Outgoing (audience not stated, treated as personal) | $25 | Not stated | None |
| WIRE TRANSFER FEES: Domestic Incoming (audience not stated, treated as personal) | $15 | Not stated | None |
Check Services | |||
| Treasurers Check | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Bill Pay Stop Payment (audience not stated, treated as personal) | $30 | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $30 | Not stated | None |
| Counter Check | $2 | Not stated | None |
| Copy of Check | $3 | Not stated | None |
Digital & Electronic | |||
| Bill Pay ACH Rejection (audience not stated, treated as personal) | $30 | Not stated | None |
Cash & Deposit | |||
| RETURNED DEPOSIT FEES: Personal Account | $7.14 | Not stated | None |
Account Services | |||
| Notary | No charge | Not stated | None |
| Notary: (members) | $1.25 | per item | None |
| Levy | $75 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outgoing) | $30 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | 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
per month
per month
per month
per hour · Account Reconciliation/Research | $30 per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge with Direct Deposit | $7.95 | per month | None |
| Monthly Service Charge without Direct Deposit | $9.95 | per month | None |
| New Account Closing (Within 6 Months) | $15 | Not stated | None |
| Dormancy Charge after 2 yrs | $10 | per month | None |
| Account Reconciliation/Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Research | $30 per hour |
| Returned Mail | $10 | Not stated | None |
Check Services | |||
| Treasurers Check | $3 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Counter Check | $2 | Not stated | None |
| Copy of Check | $3 | Not stated | None |
Cash & Deposit | |||
| RETURNED DEPOSIT FEES: Business Account | $7.14 | Not stated | None |
Account Services | |||
| Notary | No charge | Not stated | None |
| Notary: (members) | $1.25 | per item | None |
| Levy | $75 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outgoing) | $30 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | Not stated | None |
Oct 28, 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
We check once a day and send one email covering every change.