Freedom Federal Credit Union

Headquarters: Springfield, Massachusetts
Charter: Credit Union
Assets: $764.0M
Fed district: Boston

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

Source: its fee schedule, read Oct 12, 2026.

Overview

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 12, 2026

How these figures are measured

Call-report figures are for Freedom 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.	Freedom Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Freedom Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $1.3M in Q2 2026, 8.7% below the same quarter a year earlier ($1.4M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Monthly Maintenance
Freedom Federal Credit Union: $15
Freedom Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Freedom Federal Credit Union: $32
Freedom Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Freedom Federal Credit Union: $20
Freedom Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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.

Fee income beside fee prices

Fee income fell 2.2% from Q3 2025 to Q2 2026, to $1.3M.

Fee income, Q2 2026

$1.3M

$1.3MQ3 2025

$3.0MQ4 2025

$1.1MQ1 2026

$1.3MQ2 2026

Against the median

Freedom Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Freedom Federal Credit Union · $764M 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.

Credit unions only
$731M to $795M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Freedom Federal Credit Union(this institution)	Springfield, MA	$764M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Arizona Central Federal Credit Union	Phoenix, AZ	$733M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bmi Federal Credit Union	Dublin, OH	$732M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cpm Federal Credit Union	North Charleston, SC	$759M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Georgia	Woodstock, GA	$766M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dakotaland Federal Credit Union	Huron, SD	$752M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Department Of Commerce Federal Credit Union	Washington, DC	$739M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Direct Federal Credit Union	Needham, MA	$795M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Generations Community Federal Credit Union	San Antonio, TX	$735M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gfa Federal Credit Union	Gardner, MA	$747M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Granite State Federal Credit Union	Manchester, NH	$749M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mass. Institute Of Tech. Federal Credit Union	Lexington, MA	$731M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Meridian Trust Federal Credit Union	Cheyenne, WY	$731M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oklahoma Central Federal Credit Union	Tulsa, OK	$760M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Pathways Financial Federal Credit Union	Columbus, OH	$772M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pioneer Federal Credit Union	Mountain Home, ID	$744M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Polish National Federal Credit Union	Chicopee, MA	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Primeway Federal Credit Union	Houston, TX	$736M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Profed Federal Credit Union	Fort Wayne, IN	$763M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
R.I.A. Federal Credit Union	Rock Island, IL	$749M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Reliant Community Federal Credit Union	Sodus, NY	$788M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sea Comm Federal Credit Union	Massena, NY	$777M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First Financial Federal Credit Union	Pasadena, CA	$748M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
True Sky Federal Credit Union	Oklahoma City, OK	$778M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Usc Federal Credit Union	Los Angeles, CA	$741M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $8.27 (123%) above the median of similar-sized credit unions.

Its published price is $15, against a peer median of $6.73 among 18 publishing peers.

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

Freedom Federal Credit Un…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Freedom Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.3M
vs prior quarter: +$243K+22.8%; from Q1 2026
vs a year earlier: −$124K−8.7%; from Q2 2025
vs start of range: −$224K−14.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Freedom Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.3M	+$243K	+22.8%
Q1 2026	$1.1M	−$2.0M	−65.0%
Q4 2025	$3.0M	+$1.7M	+127.8%
Q3 2025	$1.3M	−$95K	−6.6%
Q2 2025	$1.4M	+$236K	+19.7%
Q1 2025	$1.2M	−$221K	−15.6%
Q4 2024	$1.4M	−$115K	−7.5%
Q3 2024	$1.5M	+$406K	+36.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Maintenance Service Charge, per month$15
per month
Early Closeout Fee, per account$5
Abandoned Property Fee$30
Inactive Fee, per month$5
per month
Account Research, per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee, per month$2
per month
Returned Mail Fee, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Insufficient Funds Charge, per item$32
per item
Overdraft Transfer per transfer from shares$5
per item

ATM & Card

Card Reissue Fee, per card$15
per item

Wire Transfers

Outgoing Wire Charge, per wire$20
per item
Incoming Wire Charge, per wire$10
per item
Foreign Wire Charge, per wire$40
per item

Check Services

Official Check Fee, per item$5
per item
Money Order Fee, per item$5
per item
Check Printing Charge, per check (first 6 free)$8
per item
Stop Payment Fee, per item$32
per item
Over the Counter Checks, per sheet of 4$1
per item
Canadian Item Processing Fee, per item$25
per item

Digital & Electronic

Online Banking and Online Bill PayNo charge

Cash & Deposit

Return Deposited Item, per item$6.84
per item

Account Services

Notary Fee (non-member), per document$1.25
per item
Box Drilling, per box$150
Not compared: Box drilling or key fee
Lost Key, per key$20
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 X 10$90
Safe Deposit Box 3 X 10$45
Safe Deposit Box 3 X 5$30
Safe Deposit Box 5 X 10$55
Safe Deposit Box 5 X 5$35
Safe Deposit Box Late Fee, per month$5
Not compared: Monthly charge, not annual
per month
Child Support Levy Fee, per levy$40
per item
Tax Levy Fee, per levy$40
per item

Retirement & IRA

IRA Transfer Fee, per plan$10

Other Fees

Faxes/Copies – Local/Non Local, per page$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge, per month	$15	per month	None
Early Closeout Fee, per account	$5	Not stated	None
Abandoned Property Fee	$30	Not stated	None
Inactive Fee, per month	$5	per month	None
Account Research, per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee, per month	$2	per month	None
Returned Mail Fee, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Insufficient Funds Charge, per item	$32	per item	None
Overdraft Transfer per transfer from shares	$5	per item	None
ATM & Card
Card Reissue Fee, per card	$15	per item	None
Wire Transfers
Outgoing Wire Charge, per wire	$20	per item	None
Incoming Wire Charge, per wire	$10	per item	None
Foreign Wire Charge, per wire	$40	per item	None
Check Services
Official Check Fee, per item	$5	per item	None
Money Order Fee, per item	$5	per item	None
Check Printing Charge, per check (first 6 free)	$8	per item	None
Stop Payment Fee, per item	$32	per item	None
Over the Counter Checks, per sheet of 4	$1	per item	None
Canadian Item Processing Fee, per item	$25	per item	None
Digital & Electronic
Online Banking and Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Return Deposited Item, per item	$6.84	per item	None
Account Services
Notary Fee (non-member), per document	$1.25	per item	None
Box Drilling, per box	$150Not compared: Box drilling or key fee	Not stated	None
Lost Key, per key	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 X 10	$90	Not stated	None
Safe Deposit Box 3 X 10	$45	Not stated	None
Safe Deposit Box 3 X 5	$30	Not stated	None
Safe Deposit Box 5 X 10	$55	Not stated	None
Safe Deposit Box 5 X 5	$35	Not stated	None
Safe Deposit Box Late Fee, per month	$5Not compared: Monthly charge, not annual	per month	None
Child Support Levy Fee, per levy	$40	per item	None
Tax Levy Fee, per levy	$40	per item	None
Retirement & IRA
IRA Transfer Fee, per plan	$10	Not stated	None
Other Fees
Faxes/Copies – Local/Non Local, per page	$2	per item	None

Correct a fee source

Oct 12, 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

Get an email when Freedom Federal Credit Union's foreign transaction changes in our data

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