26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 25, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. 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 $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.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Additional account $7 · REVIVE CHECKING ACCOUNT $10
Compared at $7, the middle of its prices
NSF / Returned Item
Compared at $31.50, the middle of its prices
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
$486K
Holyoke Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Holyoke Federal Credit Union’s own schedules, with a source for each figure.
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 | $10 | per month | None |
| Monthly Maintenance | $7 | Not stated | None |
| Monthly maintenance service charge | $7 | per month | None |
| Early Closeout Fee (180 days) | $25 | Not stated | None |
| Dormant Account | $25 | Not stated | None |
| Escheatment | $25 | Not stated | None |
| Inactive Accounts | $10 | 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 | $10 | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds/Uncollected Funds/Retry Items | $33 | Not stated | None |
| Returned ACH Credit/Debit (Origination) | $30 | Not stated | None |
| Overdraft Protection Transfer | $5 | Not stated | None |
ATM & Card | |||
| Replacement of ATM/Debit Card | $15 | Not stated | None |
| Replacement of ATM/Debit Card (Rush) | $75 | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Domestic Outgoing | $35 | Not stated | None |
| Wire Transfer Fees: Foreign Outgoing | $50 | Not stated | None |
| Domestic/Foreign Incoming | $10 | Not stated | None |
Check Services | |||
| Official Checks | $7 | Not stated | None |
| Money Orders | $5 | Not stated | None |
| Stop Payment | $30 | Not stated | None |
| Stop Payment Official Check | $40 | Not stated | None |
| Collection Item | $20 | Not stated | None |
| Copy of Check (Including Deposited) | $3 | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment | No charge | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $6 | Not stated | None |
| Night Deposit (per drop) | No charge | Not stated | None |
Account Services | |||
| Notary Service | $1.25 | 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 | $175 | Not stated | None |
| Safe Deposit Box 3 x 10 | $100 | Not stated | None |
| Safe Deposit Box 3 x 5 | $75 | Not stated | None |
| Safe Deposit Box 5 x 10 | $125 | Not stated | None |
| Tax Liens/Levies | $50 | Not stated | None |
| Verification Letter | $10 | Not stated | None |
| Verification of Deposit (other lender) | $10 | Not stated | None |
| Verification of Deposit (social service) | No charge | Not stated | None |
Retirement & IRA | |||
| IRA Trustee Transfer (outgoing) | $30 | Not stated | None |
Other Fees | |||
| Statement Copy | $10 | Not stated | None |
| Non-Member Loan Application Fee | $25 | 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.
Fee change alerts
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