Polish National Federal Credit Union

Headquarters: Chicopee, Massachusetts
Charter: Credit Union
Assets: $776.9M
Fed district: Boston

19 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
Polish National Federal Credit Union: $5
Polish National Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Compared at $19, the middle of its prices
Polish National Federal Credit Union: $5 to $33
Polish National Federal Credit Union: $5 to $33
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $30, the middle of its prices
Polish National Federal Credit Union: $10 to $45
Polish National Federal Credit Union: $10 to $45
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 Polish National Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Perks Checking (monthly service charge if$5
per month
Inactivity Fee$5
per month
Research Fee (per Hour)$30
Not compared: Charged per hour; comparison unavailable
per hour
If paper statements are required$5
per month
Returned Mail Fee (per Statement)$5

Overdraft & NSF

18-65 Insufficient Funds Charge$5
Insufficient Funds Charge$33

ATM & Card

ATM/Debit Card Replacement Fee$20

Wire Transfers

OUTGOING WIRE TRANSFER: 3x5$45
Wire Transfer Fee (domestic)$10
Wire Transfer Fee (domestic)$30
Wire Transfer Fee (foreign)$15
Wire Transfer Fee (foreign)$50

Check Services

Treasurers Check$5
Money Order$5
Stop Payments (ACH/Check/Bill Pay)$30
per item
Foreign Check Fee (Payable in Non-U.S.$)$40
Foreign Check Fee (Payable in U.S. $)$60
Check Photo Copy$5

Digital & Electronic

Bill Pay Check Rush Delivery$12.95

Account Services

Notary Public Services for Non-Members$1.50
Lost Safe Deposit Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$135
Safe Deposit Box 2x5$40
per year
Safe Deposit Box 3x10$65
per year
Safe Deposit Box 5x10$75
per year
Safe Deposit Box 5x5$55
per year
Safe Deposit Box 7x10$110
per year
Safe Deposit Box Late Payment Fee$10
Not compared: Box drilling or key fee
Tax Levy Fee (per Levy)$40
per item

Retirement & IRA

IRA Funds Transfer$50

Other Fees

Copy of 1099 & 1098$5
Statement Copy Service Charge (per Copy)$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Perks Checking (monthly service charge if	$5	per month	None
Inactivity Fee	$5	per month	None
Research Fee (per Hour)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
If paper statements are required	$5	per month	None
Returned Mail Fee (per Statement)	$5	Not stated	None
Overdraft & NSF
18-65 Insufficient Funds Charge	$5	Not stated	None
Insufficient Funds Charge	$33	Not stated	None
ATM & Card
ATM/Debit Card Replacement Fee	$20	Not stated	None
Wire Transfers
OUTGOING WIRE TRANSFER: 3x5	$45	Not stated	None
Wire Transfer Fee (domestic)	$10	Not stated	None
Wire Transfer Fee (domestic)	$30	Not stated	None
Wire Transfer Fee (foreign)	$15	Not stated	None
Wire Transfer Fee (foreign)	$50	Not stated	None
Check Services
Treasurers Check	$5	Not stated	None
Money Order	$5	Not stated	None
Stop Payments (ACH/Check/Bill Pay)	$30	per item	None
Foreign Check Fee (Payable in Non-U.S.$)	$40	Not stated	None
Foreign Check Fee (Payable in U.S. $)	$60	Not stated	None
Check Photo Copy	$5	Not stated	None
Digital & Electronic
Bill Pay Check Rush Delivery	$12.95	Not stated	None
Account Services
Notary Public Services for Non-Members	$1.50	Not stated	None
Lost Safe Deposit Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$135	Not stated	None
Safe Deposit Box 2x5	$40	per year	None
Safe Deposit Box 3x10	$65	per year	None
Safe Deposit Box 5x10	$75	per year	None
Safe Deposit Box 5x5	$55	per year	None
Safe Deposit Box 7x10	$110	per year	None
Safe Deposit Box Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Tax Levy Fee (per Levy)	$40	per item	None
Retirement & IRA
IRA Funds Transfer	$50	Not stated	None
Other Fees
Copy of 1099 & 1098	$5	Not stated	None
Statement Copy Service Charge (per Copy)	$5	per item	None

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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