23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Wire Transfer (Domestic Out)
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.
Bring fees, filings and market context together.
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.
| 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.
Peer pricing snapshot
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
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.
Amounts from Freedom Federal Credit Union’s own schedules, with a source for each figure.
per month
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| 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 |
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.
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