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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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 safe deposit box 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.

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.