Chelsea Employees Federal Credit Union

Headquarters: Chelsea, Massachusetts
Charter: Credit Union
Assets: $21.5M
Fed district: Boston

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

Overdraft (OD)
Chelsea Employees Federal Credit Union: $15
Chelsea Employees Federal Credit Union: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Chelsea Employees Federal Credit Union: $25
Chelsea Employees Federal Credit Union: $25
U.S. median: no median
Stop Payment
Compared at $20, the middle of its prices
Chelsea Employees Federal Credit Union: $10 to $30
Chelsea Employees Federal Credit Union: $10 to $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 Chelsea Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

New Member Closed < 90 days$10
Account Research/hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF - Paid Overdraft$15

ATM & Card

Replacement Card$20

Wire Transfers

Wire Fee - Outgoing$25
Wire Fee - Incoming$10

Check Services

Official Check$5
Money Orders - Members$2
Money Orders - Non-Members$4
Stop Payment$10
Stop Payment - Official Check$30
Collection Items$20
Check Copy$5

Cash & Deposit

Returned Deposit Item$10

Account Services

Levy/Subpoena/Legal Action$50
Subordination for HELOC$100

Gift & Prepaid Cards

VISA Gift Cards ($10 to $1000)$3

Other Fees

Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
New Member Closed < 90 days	$10	Not stated	None
Account Research/hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF - Paid Overdraft	$15	Not stated	None
ATM & Card
Replacement Card	$20	Not stated	None
Wire Transfers
Wire Fee - Outgoing	$25	Not stated	None
Wire Fee - Incoming	$10	Not stated	None
Check Services
Official Check	$5	Not stated	None
Money Orders - Members	$2	Not stated	None
Money Orders - Non-Members	$4	Not stated	None
Stop Payment	$10	Not stated	None
Stop Payment - Official Check	$30	Not stated	None
Collection Items	$20	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Returned Deposit Item	$10	Not stated	None
Account Services
Levy/Subpoena/Legal Action	$50	Not stated	None
Subordination for HELOC	$100	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards ($10 to $1000)	$3	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None

Correct a fee source

Oct 19, 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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