Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Holyoke Federal Credit Union

Holyoke, MassachusettsCredit UnionBoston Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research (per hour)$50Above the typical range ($20–$25 nationally)

Dormant Account$25

$20 above the national median

Source

Inactive Accounts$10

$5 above the national median

Source

Overdraft & NSFVerified

Insufficient Funds/Uncollected Funds/Retry Items$33Above the typical range ($25–$31.50 nationally)
$3 above the national median
Source
Overdraft Protection Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source
Returned ACH Credit/Debit (Origination)$30Within the typical range ($25–$31.50 nationally)
At the national median
Source

ATM & CardVerified

Replacement of ATM/Debit Card$15Above the typical range ($5–$10 nationally)
$5 above the national median
Source
Replacement of ATM/Debit Card (Rush)$75Above the typical range ($30–$50 nationally)
$35 above the national median
Source

Wire TransfersVerified

Wire Transfer Fees: Domestic/Foreign Incoming$10Within the typical range ($10–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Checkbook Reconciliation (per hour)$30Above the typical range ($1.25–$19.67 nationally)
$25 above the national median
Source
Copy of Check (Including Deposited)$3Within the typical range ($2–$5 nationally)
At the national median
Source
Money Orders$5Above the typical range ($1.69–$3 nationally)
$3 above the national median
Source
Official Checks$7Above the typical range ($3–$5.50 nationally)
$2 above the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$3 above the national median
Source

Digital & ElectronicVerified

Online Bill Payment$0Within the typical range ($0–$10 nationally)
$4.95 below the national median
Source

Cash & DepositVerified

Night Deposit (per drop)$0Below the typical range ($5–$17.50 nationally)
$10 below the national median
Source
Return Deposit Item$6Below the typical range ($10–$25 nationally)
$9 below the national median
Source

Account ServicesVerified

Lock Drilling$129Above the typical range ($25–$80 nationally)
$84 above the national median
Source
Lost Safe Deposit Box Key$149Above the typical range ($25–$80 nationally)
$104 above the national median
Source
Notary Service$1.25Within the typical range ($0–$5 nationally)
$1.25 below the national median
Source
Safe Deposit Box 10 x 10$175Above the typical range ($25–$80 nationally)
$130 above the national median
Source
Safe Deposit Box 3 x 10$100Above the typical range ($25–$80 nationally)
$55 above the national median
Source
Safe Deposit Box 3 x 5$75Within the typical range ($25–$80 nationally)
$30 above the national median
Source
Safe Deposit Box 5 x 10$125Above the typical range ($25–$80 nationally)
$80 above the national median
Source
Tax Liens/Levies$50Within the typical range ($30–$75 nationally)
At the national median
Source
Telephone Balance Inquiry$5Above the typical range ($1–$2 nationally)
$4 above the national median
Source
Verification of Deposit (other lender)$10Within the typical range ($8.98–$15 nationally)
At the national median
Source
Verification of Deposit (social service)$0Below the typical range ($8.98–$15 nationally)
$10 below the national median
Source

Retirement & IRAVerified

IRA Trustee Transfer (outgoing)$30Within the typical range ($25–$35 nationally)
$5 above the national median
Source

Other FeesVerified

Non-Member Loan Application Fee$25Within the typical range ($22.50–$35 nationally)
$5 below the national median
Source
Statement Copy$10Above the typical range ($2–$5 nationally)
$7 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research (per hour)	$50Above the typical range ($20–$25 nationally)	$25 above the national median	—	—	Source
Dormant Account	$25Above the typical range ($5–$10 nationally)	$20 above the national median	—	—	Source
Inactive Accounts	$10Within the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Overdraft & NSFVerified
Insufficient Funds/Uncollected Funds/Retry Items	$33Above the typical range ($25–$31.50 nationally)	$3 above the national median	—	—	Source
Overdraft Protection Transfer	$5
ATM & CardVerified
Replacement of ATM/Debit Card	$15Above the typical range ($5–$10 nationally)	$5 above the national median	—	—	Source
Replacement of ATM/Debit Card (Rush)	$75
Wire TransfersVerified
Wire Transfer Fees: Domestic/Foreign Incoming	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Check ServicesVerified
Checkbook Reconciliation (per hour)	$30Above the typical range ($1.25–$19.67 nationally)	$25 above the national median	—	—	Source
Copy of Check (Including Deposited)	$3
Digital & ElectronicVerified
Online Bill Payment	$0Within the typical range ($0–$10 nationally)	$4.95 below the national median	—	—	Source
Cash & DepositVerified
Night Deposit (per drop)	$0Below the typical range ($5–$17.50 nationally)	$10 below the national median	—	—	Source
Return Deposit Item	$6
Account ServicesVerified
Lock Drilling	$129Above the typical range ($25–$80 nationally)	$84 above the national median	—	—	Source
Lost Safe Deposit Box Key	$149
Retirement & IRAVerified
IRA Trustee Transfer (outgoing)	$30Within the typical range ($25–$35 nationally)	$5 above the national median	—	—	Source
Other FeesVerified
Non-Member Loan Application Fee	$25Within the typical range ($22.50–$35 nationally)	$5 below the national median	—	—	Source
Statement Copy	$10

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $33

10% above the national median NSF fee

Total fees: 31

Headline fees published

6 of 15

Published fees

Under review

Assets

$296.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$296.4M

Total deposits

$240.3M

Service charge income (year to date)

$942K

Fee income ratio

10.4%

Return on assets

0.48%

Financial profile · Pro

Performance from regulator filings

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