Commonwealth Federal Credit Union

Headquarters: Frankfort, Kentucky
Charter: Credit Union
Assets: $2.9B
Fed district: St. Louis

23 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.

Monthly Maintenance
Compared at $12.50, the middle of its prices
Commonwealth Federal Credit Union: $10 to $15
Commonwealth Federal Credit Union: $10 to $15
U.S. median: no median
Overdraft (OD)
Commonwealth Federal Credit Union: $32
Commonwealth Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Commonwealth Federal Credit Union: $32
Commonwealth Federal Credit Union: $32
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 Kentucky, the St. Louis 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).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 Commonwealth Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee (audience not stated, treated as personal)$15
per month
Monthly service fee$10
per month
Monthly Fee (if average daily balance falls below $5,000)$15
per month
Monthly Dormant/Inactive Account Fee$5
per month
All Money Market Accounts Withdrawals in excess of 6 per month$5
Withdrawals in excess of 6 per month$5
Returned Statement$10
Returned Statement$10

Overdraft & NSF

Overdraft (Bill Payment Service)$32
per item
Overdraft Privilege (OD Privilege)$32
Debit Returned for Non-Sufficient Funds (NSF)$32
Overdraft Protection (NSF transfer)$4

Wire Transfers

Wire Transfer (outgoing)$20
Outgoing International Wire (in foreign currency)$50
Outgoing International Wire (in U.S. Dollars)$50

Check Services

Cashier’s Check$5
Money Order$2
ACH Stop Payment /Transaction Cancellation$25
per transaction
ACH Stop Payment on Overdrawn Accounts$25
ACH Stop Payment on Overdrawn Accounts$25
Stop Payment (Bill Payment Service)$10
Stop Payment (Bill Payment Service)$10
Stop Payment on Cashier's Check$25
Stop Payment on Cashier's Check$25
Stop Payment on Official Check$25
Stop Payment on Official Check$25
Stop Payment on one or more checks$25
Stop Payment on Overdrawn Accounts (Bill Payment Service)$32
Stop Payment ReversalNo charge
Counter Checks (waived w/check order)$1
per item
Check Cashing Fee (Non-Members, On-Us Checks)$5
Check Image/Copy$10
Photocopy of Check$2
Proof of payment (copy of cancelled check)$10

Digital & Electronic

ACH Returned for Non-Sufficient Funds (NSF)$32
Payment (Bill Payment Service)$10
Payment on Overdrawn Accounts (Bill Payment Service)$32

Cash & Deposit

Returned Deposited Item$32

Account Services

Drill box fee (when keys are lost or stolen)$200
Not compared: Box drilling or key fee
Duplicate Safe Deposit Box Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10X10 (audience not stated, treated as personal)$72
per year
Safe Deposit Box 10X15 (audience not stated, treated as personal)$72
per year
Safe Deposit Box 3X10$36
per year
Safe Deposit Box 3X10 (audience not stated, treated as personal)$36
per year
Safe Deposit Box 3X5 (audience not stated, treated as personal)$24
per year
Safe Deposit Box 5X10$48
per year
Safe Deposit Box 5X10 (audience not stated, treated as personal)$48
per year
Safe Deposit Box 5X5 (audience not stated, treated as personal)$36
per year
Safe Deposit Boxes 3X5$24
per year
Garnishments$100
Levies$20

Other Fees

FedEx Ground/Home Delivery$30
FedEx Overnight Mail$60
Duplicate Statement or History$2
Fax Fee$1.50
Fax Fee$1.50
Not compared: Charged per page; comparison unavailable
per page
Look Up Fee (copy of cleared Credit Union check)$2
Photocopy Direct Service (mailed to member)$2.50
Photocopy Image Fax (faxed to member)$3
Research Look Up Fee (copy of cleared Credit Union check)$2

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee (audience not stated, treated as personal)	$15	per month	None
Monthly service fee	$10	per month	None
Monthly Fee (if average daily balance falls below $5,000)	$15	per month	None
Monthly Dormant/Inactive Account Fee	$5	per month	None
All Money Market Accounts Withdrawals in excess of 6 per month	$5	Not stated	None
Withdrawals in excess of 6 per month	$5	Not stated	None
Returned Statement	$10	Not stated	None
Returned Statement	$10	Not stated	None
Overdraft & NSF
Overdraft (Bill Payment Service)	$32	per item	None
Overdraft Privilege (OD Privilege)	$32	Not stated	None
Debit Returned for Non-Sufficient Funds (NSF)	$32	Not stated	None
Overdraft Protection (NSF transfer)	$4	Not stated	None
Wire Transfers
Wire Transfer (outgoing)	$20	Not stated	None
Outgoing International Wire (in foreign currency)	$50	Not stated	None
Outgoing International Wire (in U.S. Dollars)	$50	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Order	$2	Not stated	None
ACH Stop Payment /Transaction Cancellation	$25	per transaction	None
ACH Stop Payment on Overdrawn Accounts	$25	Not stated	None
ACH Stop Payment on Overdrawn Accounts	$25	Not stated	None
Stop Payment (Bill Payment Service)	$10	Not stated	None
Stop Payment (Bill Payment Service)	$10	Not stated	None
Stop Payment on Cashier's Check	$25	Not stated	None
Stop Payment on Cashier's Check	$25	Not stated	None
Stop Payment on Official Check	$25	Not stated	None
Stop Payment on Official Check	$25	Not stated	None
Stop Payment on one or more checks	$25	Not stated	None
Stop Payment on Overdrawn Accounts (Bill Payment Service)	$32	Not stated	None
Stop Payment Reversal	No charge	Not stated	None
Counter Checks (waived w/check order)	$1	per item	None
Check Cashing Fee (Non-Members, On-Us Checks)	$5	Not stated	None
Check Image/Copy	$10	Not stated	None
Photocopy of Check	$2	Not stated	None
Proof of payment (copy of cancelled check)	$10	Not stated	None
Digital & Electronic
ACH Returned for Non-Sufficient Funds (NSF)	$32	Not stated	None
Payment (Bill Payment Service)	$10	Not stated	None
Payment on Overdrawn Accounts (Bill Payment Service)	$32	Not stated	None
Cash & Deposit
Returned Deposited Item	$32	Not stated	None
Account Services
Drill box fee (when keys are lost or stolen)	$200Not compared: Box drilling or key fee	Not stated	None
Duplicate Safe Deposit Box Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10 (audience not stated, treated as personal)	$72	per year	None
Safe Deposit Box 10X15 (audience not stated, treated as personal)	$72	per year	None
Safe Deposit Box 3X10	$36	per year	None
Safe Deposit Box 3X10 (audience not stated, treated as personal)	$36	per year	None
Safe Deposit Box 3X5 (audience not stated, treated as personal)	$24	per year	None
Safe Deposit Box 5X10	$48	per year	None
Safe Deposit Box 5X10 (audience not stated, treated as personal)	$48	per year	None
Safe Deposit Box 5X5 (audience not stated, treated as personal)	$36	per year	None
Safe Deposit Boxes 3X5	$24	per year	None
Garnishments	$100	Not stated	None
Levies	$20	Not stated	None
Other Fees
FedEx Ground/Home Delivery	$30	Not stated	None
FedEx Overnight Mail	$60	Not stated	None
Duplicate Statement or History	$2	Not stated	None
Fax Fee	$1.50	Not stated	None
Fax Fee	$1.50Not compared: Charged per page; comparison unavailable	per page	None
Look Up Fee (copy of cleared Credit Union check)	$2	Not stated	None
Photocopy Direct Service (mailed to member)	$2.50	Not stated	None
Photocopy Image Fax (faxed to member)	$3	Not stated	None
Research Look Up Fee (copy of cleared Credit Union check)	$2	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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