Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Auburn Community Federal Credit Union

Auburn, New YorkCredit UnionNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

) (Dormant/Inactive Account Fee Waived for Members Under Age 18 and Over Age 65)$15Above the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=dormant_account; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt=") (Dormant/Inactive Account Fee Waived for Members Under Age 18 and Over Age 65) | $15.00 per Month" · Source

Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened)$5

$10 below the national median

Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=early_closure; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened) | $5.00" · Source

Dormant Account / Escheat Processing Fee$5

At the national median

Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=dormant_account; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Dormant Account / Escheat Processing Fee | $5.00" · Source

Mail Handling / Return Mail Fee$5

$20 below the national median

Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=account_research; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Mail Handling / Return Mail Fee | $5.00" · Source

Research Fee$20

$5 below the national median

Overdraft & NSFVerified

Automatic Overdraft Transfer From Savings$5Within the typical range ($3–$5 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=od_protection_transfer; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Automatic Overdraft Transfer From Savings* | $5.00 per Presentment" · Source
Courtesy Pay Fee$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=overdraft; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Courtesy Pay Fee* | $25.00 per Presentment" · Source
Non Sufficient Funds Fee (NSF Fee)$25Within the typical range ($25–$31 nationally)
$5 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=nsf; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Non Sufficient Funds Fee (NSF Fee)* | $25.00 per Presentment" · Source

ATM & CardVerified

ACFCU ATM and Participating Allpoint ATM Surcharge Fee$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #7110. canonical_hint=atm_non_network; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="ACFCU ATM and Participating Allpoint ATM Surcharge Fee | Free" · Source
Card Replacement Fee$5Within the typical range ($5–$10 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=card_replacement; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Card Replacement Fee | $5.00" · Source
Overnight Delivery Visa Card per card (Pass-Through Cost)$60Above the typical range ($30–$50 nationally)
$20 above the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=rush_card; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Overnight Delivery Visa Card per card (Pass-Through Cost) | $60.00 or current rate in effect" · Source

Wire TransfersVerified

Wire Transfers - Outgoing$15Below the typical range ($20–$25 nationally)
$7 below the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=wire_domestic_outgoing; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Wire Transfers - Outgoing | $15.00" · Source

Check ServicesVerified

Check Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=check_image; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Check Copies | $2.00 per Check / $5.00 per check if older than one year" · Source
Money Orders$2Within the typical range ($1.75–$3 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=money_order; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Money Orders | $2.00 Each" · Source
Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check)$5Within the typical range ($5–$10 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=check_cashing; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check) | $5.00 per Check" · Source
Stop Payment Fee$15Below the typical range ($20–$30 nationally)
$10.50 below the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=stop_payment; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Stop Payment Fee | $15.00 Per Item" · Source
Stop Payment Fee - Block of Checks$35Above the typical range ($20–$30 nationally)
$9.50 above the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=stop_payment; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Stop Payment Fee - Block of Checks | $35.00 per Block" · Source

Digital & ElectronicVerified

Online Bill Pay Inactivity Fee$5Within the typical range ($0–$11.29 nationally)
$0.03 above the national median
per month · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=bill_pay; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Online Bill Pay Inactivity Fee | $5.00 per month (if inactive 90 days or more)" · Source

Cash & DepositVerified

Deposited Item Returned (Return Check Fee)$15Within the typical range ($10–$25 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=deposited_item_return; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Deposited Item Returned (Return Check Fee)* | $15.00 per Presentment" · Source

Account ServicesVerified

Lien Release Copy$10Below the typical range ($30–$131.13 nationally)
$65 below the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=legal_process; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Lien Release Copy | $10.00" · Source
Notary Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #7110. canonical_hint=notary_fee; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Notary Service | No Fee" · Source

Lending FeesVerified

Loan Modification Fee (May Request After One Year's Worth of Payments)$250Above the typical range ($25–$50 nationally)
$215 above the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=loan_origination; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Loan Modification Fee (May Request After One Year's Worth of Payments) | $250.00" · Source

Retirement & IRAVerified

IRA Closure / IRA Transfer Fee$25Within the typical range ($25–$35 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=ira_termination; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="IRA Closure / IRA Transfer Fee | $25.00 per closure or transfer" · Source

Gift & Prepaid CardsVerified

Visa Gift Card$3.50Within the typical range ($3–$4.50 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=gift_card_purchase; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Visa Gift Card | $3.50 per card" · Source

Other FeesVerified

Statement Copies$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=document_reproduction; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Statement Copies | $2.00 per Statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
) (Dormant/Inactive Account Fee Waived for Members Under Age 18 and Over Age 65)	$15Above the typical range ($5–$10 nationally)	$10 above the national median	per month	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=dormant_account; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt=") (Dormant/Inactive Account Fee Waived for Members Under Age 18 and Over Age 65) \| $15.00 per Month"	Source
Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened)	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=early_closure; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened) \| $5.00"	Source
Dormant Account / Escheat Processing Fee	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=dormant_account; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Dormant Account / Escheat Processing Fee \| $5.00"	Source
Mail Handling / Return Mail Fee	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=account_research; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Mail Handling / Return Mail Fee \| $5.00"	Source
Research Fee	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=account_research; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Research Fee \| $20.00 per Hour (1 Hour Minimum)"	Source
Overdraft & NSFVerified
Automatic Overdraft Transfer From Savings	$5Within the typical range ($3–$5 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=od_protection_transfer; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Automatic Overdraft Transfer From Savings* \| $5.00 per Presentment"	Source
Courtesy Pay Fee
ATM & CardVerified
ACFCU ATM and Participating Allpoint ATM Surcharge Fee	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #7110. canonical_hint=atm_non_network; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="ACFCU ATM and Participating Allpoint ATM Surcharge Fee \| Free"	Source
Card Replacement Fee
Wire TransfersVerified
Wire Transfers - Outgoing	$15Below the typical range ($20–$25 nationally)	$7 below the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=wire_domestic_outgoing; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Wire Transfers - Outgoing \| $15.00"	Source
Check ServicesVerified
Check Copies	$2Within the typical range ($2–$5 nationally)	$1 below the national median	per item	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=check_image; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Check Copies \| $2.00 per Check / $5.00 per check if older than one year"	Source
Money Orders	$2
Digital & ElectronicVerified
Online Bill Pay Inactivity Fee	$5Within the typical range ($0–$11.29 nationally)	$0.03 above the national median	per month	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=bill_pay; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Online Bill Pay Inactivity Fee \| $5.00 per month (if inactive 90 days or more)"	Source
Cash & DepositVerified
Deposited Item Returned (Return Check Fee)	$15Within the typical range ($10–$25 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=deposited_item_return; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Deposited Item Returned (Return Check Fee)* \| $15.00 per Presentment"	Source
Account ServicesVerified
Lien Release Copy	$10Below the typical range ($30–$131.13 nationally)	$65 below the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=legal_process; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Lien Release Copy \| $10.00"	Source
Notary Service	$0
Lending FeesVerified
Loan Modification Fee (May Request After One Year's Worth of Payments)	$250Above the typical range ($25–$50 nationally)	$215 above the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=loan_origination; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Loan Modification Fee (May Request After One Year's Worth of Payments) \| $250.00"	Source
Retirement & IRAVerified
IRA Closure / IRA Transfer Fee	$25Within the typical range ($25–$35 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=ira_termination; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="IRA Closure / IRA Transfer Fee \| $25.00 per closure or transfer"	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$3.50Within the typical range ($3–$4.50 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=gift_card_purchase; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Visa Gift Card \| $3.50 per card"	Source
Other FeesVerified
Statement Copies	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #7110. canonical_hint=document_reproduction; text_hash=62be654192eb11b3243b6aaaf3d7154f6c2d96eeb838498633c3ea993225245c; excerpt="Statement Copies \| $2.00 per Statement"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 25

Headline fees published

8 of 15

Published fees

Under review

Assets

$126.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$126.5M

Total deposits

$108.7M

Service charge income (year to date)

$426K

Fee income ratio

13.9%

Return on assets

0.99%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 28,880 verified fees from 2,290 institutions

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