Central One Federal Credit Union

Headquarters: Shrewsbury, Massachusetts
Charter: Credit Union
Assets: $872.1M
Fed district: Boston

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Central One Federal Credit Union: $20 to $30
Central One Federal Credit Union: $20 to $30
U.S. median: no median
Non-Network ATM
Central One Federal Credit Union: $1
Central One Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
Central One Federal Credit Union: $20 to $25
Central One Federal Credit Union: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 Central One Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactivity (After 15 Months of Inactivity) (audience not stated, treated as personal)$5
per month

Overdraft & NSF

Non-Sufficient Funds (NSF)/Courtesy Pay$30
Premium Courtesy Pay (ATM & POS): Transactions$20
Uncollected /Courtesy Pay$30
Overdraft Transfer (Per Check) (audience not stated, treated as personal)$10
per item

ATM & Card

ATM Withdrawal (Over 12 Per Month)$1

Wire Transfers

Domestic Frequent Wire$20
WIRE TRANSFERS: Outgoing Domestic$25
WIRE TRANSFERS: Incoming$5
International Frequent Wire$50

Check Services

Bank/Cashier’s Check$3
Stop Payment (Draft or ACH)$25
Foreign Check Collection$25
Check CopiesNo charge

Digital & Electronic

ACH Return/Rejection Reversal$25
Overnight Bill Pay (audience not stated, treated as personal)$30

Cash & Deposit

Foreign Returned Check$25

Account Services

Lost Key$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$140
per year
Safe Deposit Box 3x10$55
per year
Safe Deposit Box 3x5$30
per year
Safe Deposit Box 5x10$80
per year
Safe Deposit Box 5x5$45
per year

Lending Fees

Late Payment$29
Late Payment (after 30 days)$25
Loan Late Charge (After 15 Days)$5

Gift & Prepaid Cards

Visa Gift Card$3.95

Other Fees

Statement Copy$2.50

Fee	Amount	Basis	Note
Account Maintenance
Inactivity (After 15 Months of Inactivity) (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds (NSF)/Courtesy Pay	$30	Not stated	None
Premium Courtesy Pay (ATM & POS): Transactions	$20	Not stated	None
Uncollected /Courtesy Pay	$30	Not stated	None
Overdraft Transfer (Per Check) (audience not stated, treated as personal)	$10	per item	None
ATM & Card
ATM Withdrawal (Over 12 Per Month)	$1	Not stated	None
Wire Transfers
Domestic Frequent Wire	$20	Not stated	None
WIRE TRANSFERS: Outgoing Domestic	$25	Not stated	None
WIRE TRANSFERS: Incoming	$5	Not stated	None
International Frequent Wire	$50	Not stated	None
Check Services
Bank/Cashier’s Check	$3	Not stated	None
Stop Payment (Draft or ACH)	$25	Not stated	None
Foreign Check Collection	$25	Not stated	None
Check Copies	No charge	Not stated	None
Digital & Electronic
ACH Return/Rejection Reversal	$25	Not stated	None
Overnight Bill Pay (audience not stated, treated as personal)	$30	Not stated	None
Cash & Deposit
Foreign Returned Check	$25	Not stated	None
Account Services
Lost Key	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$140	per year	None
Safe Deposit Box 3x10	$55	per year	None
Safe Deposit Box 3x5	$30	per year	None
Safe Deposit Box 5x10	$80	per year	None
Safe Deposit Box 5x5	$45	per year	None
Lending Fees
Late Payment	$29	Not stated	None
Late Payment (after 30 days)	$25	Not stated	None
Loan Late Charge (After 15 Days)	$5	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.95	Not stated	None
Other Fees
Statement Copy	$2.50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 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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