vs. U.S. typical range:LowerTypicalHigher
$2 below the national median$2 below the Massachusetts median
$7.50 above the national medianAt the Massachusetts median
$12.50 below the national median$20 below the Massachusetts median
Knox extract.rules v33 categorized a line held for review from Rosetta artifact #13762. canonical_hint=account_research; text_hash=4c2e7aef2c210dd659173ebfb21dc3d93bc6320d6ede551894e9d844153968f5; excerpt="Return Mail Fee……………………………………………………….…….………..$5.00¹" · Source
$5 below the national median$5 below the Massachusetts median
per item · Source
$3 below the national median$3 below the Massachusetts median
per item · Source
$2 below the national median$2 below the Massachusetts median
per item · Source
At the national medianAt the Massachusetts median
per item · Source
At the national medianAt the Massachusetts median
$35 above the national median$25 above the Massachusetts median
At the national medianAt the Massachusetts median
At the national median$5 above the Massachusetts median
$2 below the national median$2 below the Massachusetts median
$1 below the national median$2 below the Massachusetts median
$2.50 below the national median$1.25 below the Massachusetts median
per item · Source
$1 above the national median$1 below the Massachusetts median
per item · Source
$7.50 above the national median$10 above the Massachusetts median
$7.86 below the national medianAt the Massachusetts median
per item · Source
$20 below the national median$20 below the Massachusetts median
per item · Source
$5 above the national median$5 above the Massachusetts median
$1 above the national median$1 below the Massachusetts median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Account Inactivity Fee | $3Below the typical range ($5–$10 nationally) | $2 below the national median$2 below the Massachusetts median | — | — | Source |
| Account Reconciliation Fee | $25Within the typical range ($11–$25 nationally) | $7.50 above the national medianAt the Massachusetts median | — | — | Source |
| Return Mail Fee | $5Below the typical range ($11–$25 nationally) | $12.50 below the national median$20 below the Massachusetts median | — | Knox extract.rules v33 categorized a line held for review from Rosetta artifact #13762. canonical_hint=account_research; text_hash=4c2e7aef2c210dd659173ebfb21dc3d93bc6320d6ede551894e9d844153968f5; excerpt="Return Mail Fee……………………………………………………….…….………..$5.00¹" | Source |
Overdraft & NSFVerified | |||||
| Non-Sufficient Funds Fee – Paid .. per presentment of item | $25Within the typical range ($25–$33 nationally) | $5 below the national median$5 below the Massachusetts median | per item | — | Source |
| Non-Sufficient Funds Fee - Returned per presentment of item | $27 | ||||
ATM & CardVerified | |||||
| Non-SMCU ATM Transaction Fee | $1.50Within the typical range ($1–$2.25 nationally) | At the national medianAt the Massachusetts median | per item | — | Source |
| Replacement Card Fee | $10 | ||||
Wire TransfersVerified | |||||
| Domestic Wire Fee | $25Within the typical range ($20–$25 nationally) | At the national medianAt the Massachusetts median | — | — | Source |
| International Wire Fee | $50 | ||||
Check ServicesVerified | |||||
| Official Check Fee | $3Within the typical range ($3–$6 nationally) | $2 below the national median$2 below the Massachusetts median | — | — | Source |
| Money Order Fee | $1 | ||||
Digital & ElectronicVerified | |||||
| Same Day Bill Payment Fee | $10Above the typical range ($0–$9.95 nationally) | $7.50 above the national median$10 above the Massachusetts median | — | — | Source |
Cash & DepositVerified | |||||
| Returned Deposited Item Fee . per item | $7.14Below the typical range ($8–$25 nationally) | $7.86 below the national medianAt the Massachusetts median | per item | — | Source |
Account ServicesVerified | |||||
| Levy Fee (Per Levy) | $30Within the typical range ($30–$90 nationally) | $20 below the national median$20 below the Massachusetts median | per item | — | Source |
Retirement & IRAVerified | |||||
| IRA Trustee Transfer Fee | $30Within the typical range ($25–$35 nationally) | $5 above the national median$5 above the Massachusetts median | — | — | Source |
Other FeesVerified | |||||
| Statement Copy Fee .. | $4Within the typical range ($2–$5 nationally) | $1 above the national median$1 below the Massachusetts median | — | — | Source |
Overdraft
$25.00
Of 42 others that publish it, 8 lower, 7 the same and 27 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$25
Headline fees published
10 of 15
Published fees
20
Under review
0
Assets
$1.0B
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Financial Context
Financials as of Q2 2026 · NCUA call report
Total assets
$1.0B
Total deposits
$854.9M
Service charge income (year to date)
$1.0M
Fee income ratio
4.1%
Return on assets
0.25%
Financial profile · Pro
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| $3 below the national median$3 below the Massachusetts median |
| per item |
| — |
| Source |
| Overdraft Transfer Fee | $3Within the typical range ($2.50–$5 nationally) | $2 below the national median$2 below the Massachusetts median | per item | — | Source |
| At the national medianAt the Massachusetts median |
| — |
| — |
| Source |
| Expedited Debit Card Fee | $75Above the typical range ($30–$50 nationally) | $35 above the national median$25 above the Massachusetts median | — | — | Source |
| At the national median$5 above the Massachusetts median |
| — |
| — |
| Source |
| $1 below the national median$2 below the Massachusetts median |
| — |
| — |
| Source |
| Stop Payment Fee (ACH or Check) | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$1.25 below the Massachusetts median | per item | — | Source |
| Check Copy Fee .. ..per item | $4Within the typical range ($2–$5 nationally) | $1 above the national median$1 below the Massachusetts median | per item | — | Source |