Luso-American Federal Credit Union

Headquarters: Peabody, Massachusetts
Charter: Credit Union
Assets: $123.0M
Fed district: Boston

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

Source: its fee schedule, read Oct 21, 2026.

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Fees against the market

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

Monthly Maintenance
Luso-American Federal Credit Union: $3
Luso-American Federal Credit Union: $3
U.S. median: no median
NSF / Returned Item
Luso-American Federal Credit Union: $20
Luso-American Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Luso-American Federal Credit Union: $15
Luso-American Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 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 Luso-American Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Service Charge$3
Annual Dormant Account Fee$25
Not compared: Annual charge, not monthly
per year
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds$20

Wire Transfers

Wire Transfers: Outgoing: Domestic$15
Wire Transfers: IncomingNo charge
Wire Transfers: International$40

Check Services

Cashier’s Checks$2
Certified Checks$5
Money Orders$1
Stop Payment$10
Stop Payment on Cashier’s Check$10
Stop Payment on Money Order$5
Foreign Collection Items$7

Cash & Deposit

Coin Machine (members)No charge
Returned Deposit Item$5

Account Services

Notary Fee (members only)No charge

Other Fees

Statement Copies$2

Fee	Amount	Basis	Note
Account Maintenance
Service Charge	$3	Not stated	None
Annual Dormant Account Fee	$25Not compared: Annual charge, not monthly	per year	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds	$20	Not stated	None
Wire Transfers
Wire Transfers: Outgoing: Domestic	$15	Not stated	None
Wire Transfers: Incoming	No charge	Not stated	None
Wire Transfers: International	$40	Not stated	None
Check Services
Cashier’s Checks	$2	Not stated	None
Certified Checks	$5	Not stated	None
Money Orders	$1	Not stated	None
Stop Payment	$10	Not stated	None
Stop Payment on Cashier’s Check	$10	Not stated	None
Stop Payment on Money Order	$5	Not stated	None
Foreign Collection Items	$7	Not stated	None
Cash & Deposit
Coin Machine (members)	No charge	Not stated	None
Returned Deposit Item	$5	Not stated	None
Account Services
Notary Fee (members only)	No charge	Not stated	None
Other Fees
Statement Copies	$2	Not stated	None

Correct a fee source

Oct 21, 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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