Umassfive College Federal Credit Union

Headquarters: Hadley, Massachusetts
Charter: Credit Union
Assets: $702.7M
Fed district: Boston

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

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Umassfive College Federal Credit Union: $32
Umassfive College Federal Credit Union: $32
U.S. median: no median
Stop Payment
Umassfive College Federal Credit Union: $32
Umassfive College Federal Credit Union: $32
U.S. median: no median
Deposited Item Return
Compared at $15, the middle of its prices
Umassfive College Federal Credit Union: $10 to $20
Umassfive College Federal Credit Union: $10 to $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 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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Bring fees, filings and market context together.

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Among its peers

Umassfive College Federal Credit Union · $703M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$677M to $730M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Umassfive College Federal Credit Union(this institution)	Hadley, MA	$703M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Abilene Teachers Federal Credit Union	Abilene, TX	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apci Federal Credit Union	Lehigh Valley, PA	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Copper State Federal Credit Union	Phoenix, AZ	$701M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fort Bragg Federal Credit Union	Fayetteville, NC	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Innovations Financial Federal Credit Union	Panama City, FL	$696M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Legacy Community Federal Credit Union	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lokahi Federal Credit Union	Honolulu, HI	$702M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mainstreet Federal Credit Union	Lenexa, KS	$703M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mypoint Federal Credit Union	San Diego, CA	$705M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
O Bee Federal Credit Union	Lacey, WA	$677M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Choice Federal Credit Union	Superior, WI	$730M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
We Florida Financial Federal Credit Union	Fort Lauderdale, FL	$700M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Umassfive College Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Umassfive College Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Umassfive College Federal…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Umassfive College Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Abandoned Property Processing$30

Overdraft & NSF

Courtesy Pay$32
Overdraft service charge$32
per item

ATM & Card

Rush Debit Card$30
Foreign Transaction - Debit Cards (audience not stated, treated as personal)1%of the transaction
per transaction
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)1%of the transaction

Check Services

Stop Payment - Cashier’s Check$32

Cash & Deposit

Returned Check Deposit$20
Returned Check Deposit$10

Fee	Amount	Basis	Note
Account Maintenance
Abandoned Property Processing	$30	Not stated	None
Overdraft & NSF
Courtesy Pay	$32	Not stated	None
Overdraft service charge	$32	per item	None
ATM & Card
Rush Debit Card	$30	Not stated	None
Foreign Transaction - Debit Cards (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Stop Payment - Cashier’s Check	$32	Not stated	None
Cash & Deposit
Returned Check Deposit	$20	Not stated	None
Returned Check Deposit	$10	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

Account Maintenance

Business Checking Below Minimum Balance$10
per month
Business Co-op Advantage Checking Below Minimum Balance$25
per item
Money Manager Below Minimum Balance$10
per month
Money Manager Plus Below Minimum Balance$25
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$3

Overdraft & NSF

Bill Pay ACH NSF$32
Bill Pay ACH NSF$32
Bill Pay Corporate Check NSF$32
Bill Pay Laser Draft NSF$32
Bill Pay Laser Draft NSF$32
Insufficient Funds$32
Insufficient Funds$32
Overdraft Protection – Share Transfer$5

ATM & Card

Replacement Debit Card$10
per item

Wire Transfers

Online Wire Transfer – Outgoing Domestic$20
Wire Transfer – Outgoing Domestic$25
Wire Transfer - Incoming Domestic$10
Online Wire Transfer–Outgoing International$45
Wire Transfer - Outgoing International U.S. Dollars$45

Check Services

Cashier’s Check Payable to Third Party$5
Money Order$3
Stop Payment – ACH Debit$32
Stop Payment – ACH Debit$32
Stop Payment – Bill Pay Check$42
Stop Payment – Money Order$32
Stop Payment – Personal/Business Check$32
Zelle® Stop Payment User$32
On-us Check Cashing (for non-members)$5
per item
Check Copy$5

Digital & Electronic

ACH Return$10
Bill Pay Overnight Check$14.95
Bill Pay Same Day Payment$9.95
Zelle® Instant Payment UserNo charge

Cash & Deposit

Coin Machine (at East Longmeadow/Hadley/Northampton King St./Springfield Branches)No charge
Returned Check Deposit$10

Account Services

Safe Deposit Box – Drilling and Re-Key$450
Not compared: Box drilling or key fee
Safe Deposit Box – Late Payment$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$150
per year
Safe Deposit Box 10x10$150
per year
Safe Deposit Box 3x10$70
per year
Safe Deposit Box 3x10$70
per year
Safe Deposit Box 3x5$45
per year
Safe Deposit Box 3x5$45
per year
Safe Deposit Box 5x10$90
per year
Safe Deposit Box 5x10$90
per year
Safe Deposit Box 5x5$55
per year
Safe Deposit Box 5x5$55
per year
Levy Compliance$40

Other Fees

Loan Payment by Phone$10

Fee	Amount	Basis	Note
Account Maintenance
Business Checking Below Minimum Balance	$10	per month	None
Business Co-op Advantage Checking Below Minimum Balance	$25	per item	None
Money Manager Below Minimum Balance	$10	per month	None
Money Manager Plus Below Minimum Balance	$25	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$3	Not stated	None
Overdraft & NSF
Bill Pay ACH NSF	$32	Not stated	None
Bill Pay ACH NSF	$32	Not stated	None
Bill Pay Corporate Check NSF	$32	Not stated	None
Bill Pay Laser Draft NSF	$32	Not stated	None
Bill Pay Laser Draft NSF	$32	Not stated	None
Insufficient Funds	$32	Not stated	None
Insufficient Funds	$32	Not stated	None
Overdraft Protection – Share Transfer	$5	Not stated	None
ATM & Card
Replacement Debit Card	$10	per item	None
Wire Transfers
Online Wire Transfer – Outgoing Domestic	$20	Not stated	None
Wire Transfer – Outgoing Domestic	$25	Not stated	None
Wire Transfer - Incoming Domestic	$10	Not stated	None
Online Wire Transfer–Outgoing International	$45	Not stated	None
Wire Transfer - Outgoing International U.S. Dollars	$45	Not stated	None
Check Services
Cashier’s Check Payable to Third Party	$5	Not stated	None
Money Order	$3	Not stated	None
Stop Payment – ACH Debit	$32	Not stated	None
Stop Payment – ACH Debit	$32	Not stated	None
Stop Payment – Bill Pay Check	$42	Not stated	None
Stop Payment – Money Order	$32	Not stated	None
Stop Payment – Personal/Business Check	$32	Not stated	None
Zelle® Stop Payment User	$32	Not stated	None
On-us Check Cashing (for non-members)	$5	per item	None
Check Copy	$5	Not stated	None
Digital & Electronic
ACH Return	$10	Not stated	None
Bill Pay Overnight Check	$14.95	Not stated	None
Bill Pay Same Day Payment	$9.95	Not stated	None
Zelle® Instant Payment User	No charge	Not stated	None
Cash & Deposit
Coin Machine (at East Longmeadow/Hadley/Northampton King St./Springfield Branches)	No charge	Not stated	None
Returned Check Deposit	$10	Not stated	None
Account Services
Safe Deposit Box – Drilling and Re-Key	$450Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box – Late Payment	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$150	per year	None
Safe Deposit Box 10x10	$150	per year	None
Safe Deposit Box 3x10	$70	per year	None
Safe Deposit Box 3x10	$70	per year	None
Safe Deposit Box 3x5	$45	per year	None
Safe Deposit Box 3x5	$45	per year	None
Safe Deposit Box 5x10	$90	per year	None
Safe Deposit Box 5x10	$90	per year	None
Safe Deposit Box 5x5	$55	per year	None
Safe Deposit Box 5x5	$55	per year	None
Levy Compliance	$40	Not stated	None
Other Fees
Loan Payment by Phone	$10	Not stated	None

Correct a fee source

Nov 4, 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.

Fee change alerts

Get an email when Umassfive College Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.

Fees against the market

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

Overdraft (OD)
Umassfive College Federal Credit Union: $32
Umassfive College Federal Credit Union: $32
U.S. median: no median
Stop Payment
Umassfive College Federal Credit Union: $32
Umassfive College Federal Credit Union: $32
U.S. median: no median
Deposited Item Return
Compared at $15, the middle of its prices
Umassfive College Federal Credit Union: $10 to $20
Umassfive College Federal Credit Union: $10 to $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Among its peers

Umassfive College Federal Credit Union · $703M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$677M to $730M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Umassfive College Federal Credit Union(this institution)	Hadley, MA	$703M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Abilene Teachers Federal Credit Union	Abilene, TX	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apci Federal Credit Union	Lehigh Valley, PA	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Apl Federal Credit Union	Laurel, MD	$724M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Copper State Federal Credit Union	Phoenix, AZ	$701M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fort Bragg Federal Credit Union	Fayetteville, NC	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Innovations Financial Federal Credit Union	Panama City, FL	$696M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Legacy Community Federal Credit Union	Birmingham, AL	$727M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lokahi Federal Credit Union	Honolulu, HI	$702M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mainstreet Federal Credit Union	Lenexa, KS	$703M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mypoint Federal Credit Union	San Diego, CA	$705M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
O Bee Federal Credit Union	Lacey, WA	$677M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior Choice Federal Credit Union	Superior, WI	$730M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
We Florida Financial Federal Credit Union	Fort Lauderdale, FL	$700M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Umassfive College Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Umassfive College Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Umassfive College Federal…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Umassfive College Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Abandoned Property Processing$30

Overdraft & NSF

Courtesy Pay$32
Overdraft service charge$32
per item

ATM & Card

Rush Debit Card$30
Foreign Transaction - Debit Cards (audience not stated, treated as personal)1%of the transaction
per transaction
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)1%of the transaction

Check Services

Stop Payment - Cashier’s Check$32

Cash & Deposit

Returned Check Deposit$20
Returned Check Deposit$10

Fee	Amount	Basis	Note
Account Maintenance
Abandoned Property Processing	$30	Not stated	None
Overdraft & NSF
Courtesy Pay	$32	Not stated	None
Overdraft service charge	$32	per item	None
ATM & Card
Rush Debit Card	$30	Not stated	None
Foreign Transaction - Debit Cards (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Stop Payment - Cashier’s Check	$32	Not stated	None
Cash & Deposit
Returned Check Deposit	$20	Not stated	None
Returned Check Deposit	$10	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

Account Maintenance

Business Checking Below Minimum Balance$10
per month
Business Co-op Advantage Checking Below Minimum Balance$25
per item
Money Manager Below Minimum Balance$10
per month
Money Manager Plus Below Minimum Balance$25
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$3

Overdraft & NSF

Bill Pay ACH NSF$32
Bill Pay ACH NSF$32
Bill Pay Corporate Check NSF$32
Bill Pay Laser Draft NSF$32
Bill Pay Laser Draft NSF$32
Insufficient Funds$32
Insufficient Funds$32
Overdraft Protection – Share Transfer$5

ATM & Card

Replacement Debit Card$10
per item

Wire Transfers

Online Wire Transfer – Outgoing Domestic$20
Wire Transfer – Outgoing Domestic$25
Wire Transfer - Incoming Domestic$10
Online Wire Transfer–Outgoing International$45
Wire Transfer - Outgoing International U.S. Dollars$45

Check Services

Cashier’s Check Payable to Third Party$5
Money Order$3
Stop Payment – ACH Debit$32
Stop Payment – ACH Debit$32
Stop Payment – Bill Pay Check$42
Stop Payment – Money Order$32
Stop Payment – Personal/Business Check$32
Zelle® Stop Payment User$32
On-us Check Cashing (for non-members)$5
per item
Check Copy$5

Digital & Electronic

ACH Return$10
Bill Pay Overnight Check$14.95
Bill Pay Same Day Payment$9.95
Zelle® Instant Payment UserNo charge

Cash & Deposit

Coin Machine (at East Longmeadow/Hadley/Northampton King St./Springfield Branches)No charge
Returned Check Deposit$10

Account Services

Safe Deposit Box – Drilling and Re-Key$450
Not compared: Box drilling or key fee
Safe Deposit Box – Late Payment$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$150
per year
Safe Deposit Box 10x10$150
per year
Safe Deposit Box 3x10$70
per year
Safe Deposit Box 3x10$70
per year
Safe Deposit Box 3x5$45
per year
Safe Deposit Box 3x5$45
per year
Safe Deposit Box 5x10$90
per year
Safe Deposit Box 5x10$90
per year
Safe Deposit Box 5x5$55
per year
Safe Deposit Box 5x5$55
per year
Levy Compliance$40

Other Fees

Loan Payment by Phone$10

Fee	Amount	Basis	Note
Account Maintenance
Business Checking Below Minimum Balance	$10	per month	None
Business Co-op Advantage Checking Below Minimum Balance	$25	per item	None
Money Manager Below Minimum Balance	$10	per month	None
Money Manager Plus Below Minimum Balance	$25	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$3	Not stated	None
Overdraft & NSF
Bill Pay ACH NSF	$32	Not stated	None
Bill Pay ACH NSF	$32	Not stated	None
Bill Pay Corporate Check NSF	$32	Not stated	None
Bill Pay Laser Draft NSF	$32	Not stated	None
Bill Pay Laser Draft NSF	$32	Not stated	None
Insufficient Funds	$32	Not stated	None
Insufficient Funds	$32	Not stated	None
Overdraft Protection – Share Transfer	$5	Not stated	None
ATM & Card
Replacement Debit Card	$10	per item	None
Wire Transfers
Online Wire Transfer – Outgoing Domestic	$20	Not stated	None
Wire Transfer – Outgoing Domestic	$25	Not stated	None
Wire Transfer - Incoming Domestic	$10	Not stated	None
Online Wire Transfer–Outgoing International	$45	Not stated	None
Wire Transfer - Outgoing International U.S. Dollars	$45	Not stated	None
Check Services
Cashier’s Check Payable to Third Party	$5	Not stated	None
Money Order	$3	Not stated	None
Stop Payment – ACH Debit	$32	Not stated	None
Stop Payment – ACH Debit	$32	Not stated	None
Stop Payment – Bill Pay Check	$42	Not stated	None
Stop Payment – Money Order	$32	Not stated	None
Stop Payment – Personal/Business Check	$32	Not stated	None
Zelle® Stop Payment User	$32	Not stated	None
On-us Check Cashing (for non-members)	$5	per item	None
Check Copy	$5	Not stated	None
Digital & Electronic
ACH Return	$10	Not stated	None
Bill Pay Overnight Check	$14.95	Not stated	None
Bill Pay Same Day Payment	$9.95	Not stated	None
Zelle® Instant Payment User	No charge	Not stated	None
Cash & Deposit
Coin Machine (at East Longmeadow/Hadley/Northampton King St./Springfield Branches)	No charge	Not stated	None
Returned Check Deposit	$10	Not stated	None
Account Services
Safe Deposit Box – Drilling and Re-Key	$450Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box – Late Payment	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$150	per year	None
Safe Deposit Box 10x10	$150	per year	None
Safe Deposit Box 3x10	$70	per year	None
Safe Deposit Box 3x10	$70	per year	None
Safe Deposit Box 3x5	$45	per year	None
Safe Deposit Box 3x5	$45	per year	None
Safe Deposit Box 5x10	$90	per year	None
Safe Deposit Box 5x10	$90	per year	None
Safe Deposit Box 5x5	$55	per year	None
Safe Deposit Box 5x5	$55	per year	None
Levy Compliance	$40	Not stated	None
Other Fees
Loan Payment by Phone	$10	Not stated	None

Correct a fee source

Nov 4, 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.