Compared with Massachusetts
15 of 26
compared fees are above the median.
5 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
70th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 26 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for Holyoke Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Massachusetts median | Published fees above the Massachusetts median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Holyoke Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (70th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $486K in Q2 2026, 8.5% above the same quarter a year earlier ($448K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
15 of 26 compared published fees sit above the Massachusetts median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Massachusetts medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $31.50, the middle of its prices
Monthly Maintenance
Additional account $7 · REVIVE CHECKING ACCOUNT $10
Compared at $7, the middle of its prices
Wire Transfer (Domestic Out)
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.
Fee income fell 3.4% from Q3 2025 to Q2 2026, to $486K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$486K
Holyoke Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7 to $10; we compare the midpoint.
Holyoke Federal Credit Union · $296M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Holyoke Federal Credit Union(this institution) | Holyoke, MA | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advantage Plus Federal Credit Union | Pocatello, ID | $292M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alive Federal Credit Union | Jacksonville, FL | $296M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bangor Federal Credit Union | Bangor, ME | $293M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bowater Employees Federal Credit Union | Calhoun, TN | $303M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bronco Federal Credit Union | Franklin, VA | $292M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Heritage Federal Credit Union | Pittsburgh, PA | $289M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cottonwood Community Federal Credit Union | Cottonwood, ID | $286M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cross Valley Federal Credit Union | Wilkes Barre, PA | $300M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Har-Co Federal Credit Union | Bel Air, MD | $286M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Homebase Federal Credit Union | Prince George, VA | $298M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jetstream Federal Credit Union | Miami Lakes, FL | $307M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kalsee Federal Credit Union | Kalamazoo, MI | $292M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Loyalty Federal Credit Union | Pensacola, FL | $300M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maine Family Federal Credit Union | Lewiston, ME | $288M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Membersalliance Federal Credit Union | Rockford, IL | $304M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mtc Federal Credit Union | Greenville, SC | $303M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Horizons Federal Credit Union | Mobile, AL | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwestern Mutual Federal Credit Union | Milwaukee, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Otis Federal Credit Union | Jay, ME | $300M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peninsula Community Federal Credit Union | Shelton, WA | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tct Federal Credit Union | Ballston Spa, NY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Federal Credit Union | Mexico, MO | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Communities Federal Credit Union | Mosinee, WI | $307M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its three prices, against a peer median of $5 among 9 publishing peers.
Its three checking prices are $7, $7 and $10.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Holyoke Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $486K | +$30K | +6.6% |
| Q1 2026 | $456K | −$15K | −3.2% |
| Q4 2025 | $471K | −$32K | −6.4% |
| Q3 2025 | $503K | +$55K | +12.3% |
| Q2 2025 | $448K | −$25K | −5.3% |
| Q1 2025 | $473K | −$42K | −8.2% |
| Q4 2024 | $515K | +$23K | +4.7% |
| Q3 2024 | $492K | −$7K | −1.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Holyoke Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Holyoke Federal Credit Union by share.
Amounts from Holyoke Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Research (per hour) | $50.00
per hour · Checkbook Reconciliation (per hour) | $30.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance service charge fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly maintenance service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closeout Fee (180 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheatment | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Accounts | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Research (per hour) | $50.00 |
| Checkbook Reconciliation (per hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | Checkbook Reconciliation (per hour) | $30.00 |
| Reg D Excessive Transaction Fee | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds/Uncollected Funds/Retry Items | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned ACH Credit/Debit (Origination) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement of ATM/Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement of ATM/Debit Card (Rush) | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Domestic Outgoing | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees: Foreign Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Domestic/Foreign Incoming | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Official Check | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check (Including Deposited) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $6Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Night Deposit (per drop) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $1.25Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lock Drilling | $129Not compared: Box drilling or key fee | Not stated | None |
| Lost Safe Deposit Box Key | $149Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $175Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Liens/Levies | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Verification Letter | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit (other lender) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit (social service) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Trustee Transfer (outgoing) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Non-Member Loan Application Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 25, 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.
Where Holyoke Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Feeding Hills, MA | 1 |
| Holyoke, MA | 1 |
| West Springfield, MA | 1 |
Largest competitors nearby
Local market: Hampden county, MA, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| PeoplesBank | 17.1% |
| TD Bank, National Association | 15.9% |
| Westfield Bank | 13.9% |
| Bank of America, National Association | 10.9% |
| Manufacturers and Traders Trust Company | 7.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.