Auburn Community Federal Credit Union

Headquarters: Auburn, New York
Charter: Credit Union
Assets: $126.5M
Fed district: New York

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Overdraft (OD)
Auburn Community Federal Credit Union: $25
Auburn Community Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Auburn Community Federal Credit Union: $25
Auburn Community Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Auburn Community Federal Credit Union: $1
Auburn Community Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 Auburn Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened)$5
Dormant Account / Escheat Processing Fee$5
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Mail Handling / Return Mail Fee$5

Overdraft & NSF

Courtesy Pay Fee$25
per item
Non Sufficient Funds Fee (NSF Fee)$25
per item
Automatic Overdraft Transfer From Savings$5
per item

ATM & Card

NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee$1
per transaction
Card Replacement Fee$5
Overnight Delivery Visa Card per card (Pass-Through Cost)$60
per item
Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost)$60

Wire Transfers

Wire Transfers - Outgoing$15

Check Services

Money Orders$2
per item
Stop Payment Fee$15
per item
Stop Payment Fee - Block of Checks$35
Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check)$5
per item
Check Copies$2
per item

Digital & Electronic

Online Bill Pay Inactivity Fee$5
per month

Cash & Deposit

Deposited Item Returned (Return Check Fee)$15
per item

Account Services

Notary ServiceNo charge
Loan Subordination Fee$250

Retirement & IRA

IRA Closure / IRA Transfer Fee$25

Gift & Prepaid Cards

Visa Gift Card$3.50
per item

Other Fees

Statement Copies$2
Lien Release Copy$10
Loan Modification Fee (May Request After One Year's Worth of Payments)$250

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (Account Closure Fee only assessed if account is closed within 90 days of when it was opened)	$5	Not stated	None
Dormant Account / Escheat Processing Fee	$5	Not stated	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Mail Handling / Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$25	per item	None
Non Sufficient Funds Fee (NSF Fee)	$25	per item	None
Automatic Overdraft Transfer From Savings	$5	per item	None
ATM & Card
NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee	$1	per transaction	None
Card Replacement Fee	$5	Not stated	None
Overnight Delivery Visa Card per card (Pass-Through Cost)	$60	per item	None
Overnight Delivery Visa Card PIN per PIN (Pass-Through Cost)	$60	Not stated	None
Wire Transfers
Wire Transfers - Outgoing	$15	Not stated	None
Check Services
Money Orders	$2	per item	None
Stop Payment Fee	$15	per item	None
Stop Payment Fee - Block of Checks	$35	Not stated	None
Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check)	$5	per item	None
Check Copies	$2	per item	None
Digital & Electronic
Online Bill Pay Inactivity Fee	$5	per month	None
Cash & Deposit
Deposited Item Returned (Return Check Fee)	$15	per item	None
Account Services
Notary Service	No charge	Not stated	None
Loan Subordination Fee	$250	Not stated	None
Retirement & IRA
IRA Closure / IRA Transfer Fee	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3.50	per item	None
Other Fees
Statement Copies	$2	Not stated	None
Lien Release Copy	$10	Not stated	None
Loan Modification Fee (May Request After One Year's Worth of Payments)	$250	Not stated	None

Correct a fee source

Oct 15, 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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