Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, $300M to $1B

Umassfive College Federal Credit Union

Hadley, MassachusettsCredit UnionBoston Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Research Fee$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Insufficient Funds$32Above the typical range ($25–$31 nationally)
$2 above the national median
Source
Overdraft Protection – Share Transfer$5Within the typical range ($3–$5 nationally)
At the national median
Source

ATM & CardVerified

Replacement Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Source
Rush Card - Debit or Credit - FedEx$50Within the typical range ($30–$50 nationally)
$10 above the national median
Source
Rush Card - Debit or Credit – Post Office$35Within the typical range ($30–$50 nationally)
$5 below the national median
Source

Wire TransfersVerified

Wire Transfer - Incoming Domestic$10Within the typical range ($5–$15 nationally)
At the national median
Source
Wire Transfer - Incoming International$15Within the typical range ($10–$25 nationally)
At the national median
Source
Wire Transfer – Outgoing Domestic$20Within the typical range ($20–$25 nationally)
$5 below the national median
Source

Check ServicesVerified

Cashier’s Check Payable to Third Party$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Check Copy$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Money Order$3Within the typical range ($1.75–$3 nationally)
$1 above the national median
Source
On-us Check Cashing (for non-members)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Source
Stop Payment – ACH Debit$32Above the typical range ($20–$30 nationally)
$6 above the national median
Source
Stop Payment – Bill Pay Check$42Above the typical range ($20–$30 nationally)
$16 above the national median
Source

Digital & ElectronicVerified

Bill Pay Overnight Check$14.95Above the typical range ($0–$11.48 nationally)
$9.98 above the national median
Source
Bill Pay Same Day Payment$9.95Within the typical range ($0–$11.48 nationally)
$4.98 above the national median
Source

Account ServicesVerified

10x10 Box$150Above the typical range ($25–$80 nationally)
$105 above the national median
per year · Source
3x10 Box$70Within the typical range ($25–$80 nationally)
$25 above the national median
per year · Source
3x5 Box$45Within the typical range ($25–$80 nationally)
At the national median
per year · Source
5x10 Box$90Above the typical range ($25–$80 nationally)
$45 above the national median
per year · Source
5x5 Box$55Within the typical range ($25–$80 nationally)
$10 above the national median
per year · Source
Levy Compliance$30Within the typical range ($30–$75 nationally)
$20 below the national median
Source
Safe Deposit Box – Late Payment$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research Fee	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Overdraft & NSFVerified
Insufficient Funds	$32Above the typical range ($25–$31 nationally)	$2 above the national median	—	—	Source
Overdraft Protection – Share Transfer	$5
ATM & CardVerified
Replacement Debit Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Rush Card - Debit or Credit - FedEx	$50
Wire TransfersVerified
Wire Transfer - Incoming Domestic	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Wire Transfer - Incoming International	$15
Check ServicesVerified
Cashier’s Check Payable to Third Party	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Check Copy	$5
Digital & ElectronicVerified
Bill Pay Overnight Check	$14.95Above the typical range ($0–$11.48 nationally)	$9.98 above the national median	—	—	Source
Bill Pay Same Day Payment	$9.95
Account ServicesVerified
10x10 Box	$150Above the typical range ($25–$80 nationally)	$105 above the national median	per year	—	Source
3x10 Box	$70

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $32

7% above the national median NSF fee

Total fees: 24 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$702.7M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$702.7M

Total deposits

$632.2M

Service charge income (year to date)

$1.4M

Fee income ratio

6.9%

Return on assets

0.52%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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