Rochester & Monroe Co Emp Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $46.4M
Fed district: New York

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

Source: its fee schedule, read Oct 19, 2026.

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Fees against the market

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

NSF / Returned Item
Rochester & Monroe Co Emp Federal Credit Union: $35
Rochester & Monroe Co Emp Federal Credit Union: $35
U.S. median: no median
Stop Payment
Rochester & Monroe Co Emp Federal Credit Union: $35
Rochester & Monroe Co Emp Federal Credit Union: $35
U.S. median: no median
OD Protection Transfer
Rochester & Monroe Co Emp Federal Credit Union: $5
Rochester & Monroe Co Emp Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York 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).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York 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 Rochester & Monroe Co Emp Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Club Account Close Fee$5
Inactive Account Fee$20
Returned Mail-Bad Address (per item)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Nonsufficient funds fee$35
per item
Manual Transfer Overdraft Protection$5

ATM & Card

Replacement ATM or Debit Card$5
Replacement card fee$5
per item
Rush delivery ATM/Debit Card$30

Check Services

Stop Payment on Automatic Debit$35
Stop Payment on Share Draft$35
Copy of Share Draft$3

Lending Fees

Mortgage Loan Late Fee after 15 Days$35
Personal Loan Late Fee after 15 days$25

Retirement & IRA

IRA Annual Fee$20
per year
IRA Premature Withdrawal Fee$10

Other Fees

Statement Copies (hourly fee plus page fee)$20
Not compared: Charged per hour; comparison unavailable
per hour
Statement Copies per page$0.25
per item
Skip-A-Pay$25

Fee	Amount	Basis	Note
Account Maintenance
Club Account Close Fee	$5	Not stated	None
Inactive Account Fee	$20	Not stated	None
Returned Mail-Bad Address (per item)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Nonsufficient funds fee	$35	per item	None
Manual Transfer Overdraft Protection	$5	Not stated	None
ATM & Card
Replacement ATM or Debit Card	$5	Not stated	None
Replacement card fee	$5	per item	None
Rush delivery ATM/Debit Card	$30	Not stated	None
Check Services
Stop Payment on Automatic Debit	$35	Not stated	None
Stop Payment on Share Draft	$35	Not stated	None
Copy of Share Draft	$3	Not stated	None
Lending Fees
Mortgage Loan Late Fee after 15 Days	$35	Not stated	None
Personal Loan Late Fee after 15 days	$25	Not stated	None
Retirement & IRA
IRA Annual Fee	$20	per year	None
IRA Premature Withdrawal Fee	$10	Not stated	None
Other Fees
Statement Copies (hourly fee plus page fee)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Copies per page	$0.25	per item	None
Skip-A-Pay	$25	Not stated	None

Correct a fee source

Oct 19, 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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