St. Mary'S Federal Credit Union

Headquarters: Marlborough, Massachusetts
Charter: Credit Union
Assets: $1.0B
Fed district: Boston

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

Source: its fee schedule, read Oct 16, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $27, its standard fee, the highest of its prices
St. Mary'S Federal Credit Union: $25 to $27
St. Mary'S Federal Credit Union: $25 to $27
U.S. median: no median
NSF / Returned Item
St. Mary'S Federal Credit Union: $27
St. Mary'S Federal Credit Union: $27
U.S. median: no median
Non-Network ATM
St. Mary'S Federal Credit Union: $1.50
St. Mary'S Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 St. Mary'S Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity Fee$3
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee$5

Overdraft & NSF

Non-Sufficient Funds Fee – Paid .. per presentment of item$25
per item
Overdraft Fee or a Re (audience not stated, treated as personal)$27
per item
Overdraft Privilege$25
per item
Non-Sufficient Funds Fee - Returned per presentment of item$27
per item
Overdraft Transfer Fee$3
per item
Overdraft Transfer from Another Deposit Account 1$3
per item

ATM & Card

Non-SMCU ATM Transaction Fee$1.50
per item
Replacement Card Fee$10
Expedited Debit Card Fee$75

Wire Transfers

Domestic Wire Fee$25
International Wire Fee$50

Check Services

Official Check Fee$3
Money Order Fee$1
Stop Payment Fee (ACH or Check)$25
per item
Check Copy Fee per item$4
per item

Digital & Electronic

Same Day Bill Payment Fee$10

Cash & Deposit

Returned Deposited Item Fee . per item$7.14
per item

Account Services

Levy Fee (Per Levy)$30
per item

Retirement & IRA

IRA Trustee Transfer Fee$30

Other Fees

Statement Copy Fee ..$4

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee	$3	Not stated	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds Fee – Paid .. per presentment of item	$25	per item	None
Overdraft Fee or a Re (audience not stated, treated as personal)	$27	per item	None
Overdraft Privilege	$25	per item	None
Non-Sufficient Funds Fee - Returned per presentment of item	$27	per item	None
Overdraft Transfer Fee	$3	per item	None
Overdraft Transfer from Another Deposit Account 1	$3	per item	None
ATM & Card
Non-SMCU ATM Transaction Fee	$1.50	per item	None
Replacement Card Fee	$10	Not stated	None
Expedited Debit Card Fee	$75	Not stated	None
Wire Transfers
Domestic Wire Fee	$25	Not stated	None
International Wire Fee	$50	Not stated	None
Check Services
Official Check Fee	$3	Not stated	None
Money Order Fee	$1	Not stated	None
Stop Payment Fee (ACH or Check)	$25	per item	None
Check Copy Fee per item	$4	per item	None
Digital & Electronic
Same Day Bill Payment Fee	$10	Not stated	None
Cash & Deposit
Returned Deposited Item Fee . per item	$7.14	per item	None
Account Services
Levy Fee (Per Levy)	$30	per item	None
Retirement & IRA
IRA Trustee Transfer Fee	$30	Not stated	None
Other Fees
Statement Copy Fee ..	$4	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

Correct a fee source

Oct 16, 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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