Holyoke Federal Credit Union

Headquarters: Holyoke, Massachusetts
Charter: Credit Union
Assets: $296.4M
Fed district: Boston

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

Source: its fee schedule, read Oct 25, 2026.

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Fees against the market

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
Holyoke Federal Credit Union: $7 to $10
Holyoke Federal Credit Union: $7 to $10
U.S. median: no median
NSF / Returned Item
Compared at $31.50, the middle of its prices
Holyoke Federal Credit Union: $30 to $33
Holyoke Federal Credit Union: $30 to $33
U.S. median: no median
Wire Transfer (Domestic Out)
Holyoke Federal Credit Union: $35
Holyoke Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 25, 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 Holyoke Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Maintenance service charge fee$10
per month
Monthly Maintenance$7
Monthly maintenance service charge$7
per month
Early Closeout Fee (180 days)$25
Dormant Account$25
Escheatment$25
Inactive Accounts$10
Account Research (per hour)$50
Not compared: Charged per hour; comparison unavailable
per hour · Account Research (per hour) | $50.00
Checkbook Reconciliation (per hour)$30
Not compared: Charged per hour; comparison unavailable
per hour · Checkbook Reconciliation (per hour) | $30.00
Reg D Excessive Transaction Fee$10

Overdraft & NSF

Insufficient Funds/Uncollected Funds/Retry Items$33
Returned ACH Credit/Debit (Origination)$30
Overdraft Protection Transfer$5

ATM & Card

Replacement of ATM/Debit Card$15
Replacement of ATM/Debit Card (Rush)$75

Wire Transfers

Wire Transfer Fees: Domestic Outgoing$35
Wire Transfer Fees: Foreign Outgoing$50
Domestic/Foreign Incoming$10

Check Services

Official Checks$7
Money Orders$5
Stop Payment$30
Stop Payment Official Check$40
Collection Item$20
Copy of Check (Including Deposited)$3

Digital & Electronic

Online Bill PaymentNo charge

Cash & Deposit

Return Deposit Item$6
Night Deposit (per drop)No charge

Account Services

Notary Service$1.25
Lock Drilling$129
Not compared: Box drilling or key fee
Lost Safe Deposit Box Key$149
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$175
Safe Deposit Box 3 x 10$100
Safe Deposit Box 3 x 5$75
Safe Deposit Box 5 x 10$125
Tax Liens/Levies$50
Verification Letter$10
Verification of Deposit (other lender)$10
Verification of Deposit (social service)No charge

Retirement & IRA

IRA Trustee Transfer (outgoing)$30

Other Fees

Statement Copy$10
Non-Member Loan Application Fee$25

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

Correct a fee source

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.

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