Htm Federal Credit Union

Headquarters: Haverhill, Massachusetts
Charter: Credit Union
Assets: $29.6M
Fed district: Boston

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

NSF / Returned Item
Compared at $25, the middle of its prices
Htm Federal Credit Union: $25 to $35
Htm Federal Credit Union: $25 to $35
U.S. median: no median
Wire Transfer (Domestic Out)
Htm Federal Credit Union: $30
Htm Federal Credit Union: $30
U.S. median: no median
Stop Payment
Compared at $32.50, the middle of its prices
Htm Federal Credit Union: $30 to $35
Htm Federal Credit Union: $30 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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.

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Published fee schedule

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

Account Maintenance

Account Research (Acct Research)$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5
Returned Mail- Incorrect Address (Returned Mail)$5

Overdraft & NSF

Insufficient Funds Fee- ACH Transaction (ACH Rtn Nsf Fee)$25
Insufficient Funds Fee- ATM Transaction (EFT Nsf Fee)$25
Insufficient Funds Fee- Returned Check (Sd Rtn Nsf Fee)$35
Overdraft Transfer fee from Shares or Loan (O/D From Loan)$5

ATM & Card

Debit Master Card/ Visa Credit Card- Replacement (Debit-Replace)$20
Debit Master Card- Rush Delivery Fee (Debit Card Rush)$100

Wire Transfers

Domestic Wire Out Transfer (Wire Out Dom)$30
Domestic Wire In Transfer (Wire In)$10

Check Services

Bank Check Withdrawal (1 free monthly)$3
per item
Stop Payment Fee for Credit Union Check (Stop Pay-CU CK)$35
Stop Payment Fee for Personal Check (Sd Stop Pay Fee)$30
Check cashing for 3rd party (non-members) (3rd Pty CK Cshg)$10
Draft Copy (Free Via Online Banking) (Draft Copy)$5

Digital & Electronic

Online Bill PayNo charge

Account Services

Notary ServiceNo charge
Tax Levy/ Garnishment (Levy Garnish)$50
Real Estate Subordination (LS-Re Loan Subord)$30

Fee	Amount	Basis	Note
Account Maintenance
Account Research (Acct Research)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Returned Mail- Incorrect Address (Returned Mail)	$5	Not stated	None
Overdraft & NSF
Insufficient Funds Fee- ACH Transaction (ACH Rtn Nsf Fee)	$25	Not stated	None
Insufficient Funds Fee- ATM Transaction (EFT Nsf Fee)	$25	Not stated	None
Insufficient Funds Fee- Returned Check (Sd Rtn Nsf Fee)	$35	Not stated	None
Overdraft Transfer fee from Shares or Loan (O/D From Loan)	$5	Not stated	None
ATM & Card
Debit Master Card/ Visa Credit Card- Replacement (Debit-Replace)	$20	Not stated	None
Debit Master Card- Rush Delivery Fee (Debit Card Rush)	$100	Not stated	None
Wire Transfers
Domestic Wire Out Transfer (Wire Out Dom)	$30	Not stated	None
Domestic Wire In Transfer (Wire In)	$10	Not stated	None
Check Services
Bank Check Withdrawal (1 free monthly)	$3	per item	None
Stop Payment Fee for Credit Union Check (Stop Pay-CU CK)	$35	Not stated	None
Stop Payment Fee for Personal Check (Sd Stop Pay Fee)	$30	Not stated	None
Check cashing for 3rd party (non-members) (3rd Pty CK Cshg)	$10	Not stated	None
Draft Copy (Free Via Online Banking) (Draft Copy)	$5	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Tax Levy/ Garnishment (Levy Garnish)	$50	Not stated	None
Real Estate Subordination (LS-Re Loan Subord)	$30	Not stated	None

Correct a fee source

Nov 2, 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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