vs. U.S. typical range:LowerTypicalHigher
$12.50 below the national median$10 below the New York median
At the national median$4.50 below the New York median
$12.50 below the national median$12.50 below the New York median
$2.50 above the national median$2.50 above the New York median
$5 below the national median$5 below the New York median
per item · Source
$5 below the national medianAt the New York median
per item · Source
At the national medianAt the New York median
per item · Source
$1.50 below the national median$1.50 below the New York median
$0.50 below the national median$0.50 below the New York median
per transaction · Source
$5 below the national median$5 below the New York median
$20 above the national median$20 above the New York median
per item · Source
$10 below the national median$10 below the New York median
At the national medianAt the New York median
per item · Source
$12.50 below the national median$10 below the New York median
per item · Source
$7.50 above the national median$10 above the New York median
At the national medianAt the New York median
per item · Source
$1 below the national median$3 below the New York median
per item · Source
$2.50 above the national median$2.50 above the New York median
per month · Source
At the national median$5 below the New York median
per item · Source
$2.50 below the national median$2 below the New York median
At the national medianAt the New York median
At the national median$0.48 below the New York median
per item · Source
$1 below the national median$1 below the New York median
$27.50 below the national median$27.50 below the New York median
$212.50 above the national median$212.50 above the New York median
$212.50 above the national median$212.50 above the New York median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Account Closure Fee | $5Below the typical range ($10–$25 nationally) | $12.50 below the national median$10 below the New York median | — | — | Source |
| Dormant Account / Escheat Processing Fee | $5Within the typical range ($5–$10 nationally) | At the national median$4.50 below the New York median | — | — | Source |
| Mail Handling / Return Mail Fee | $5Below the typical range ($12–$25 nationally) | $12.50 below the national median$12.50 below the New York median | — | — | Source |
| Research Fee | $20Within the typical range ($12–$25 nationally) | $2.50 above the national median$2.50 above the New York median | — | — | Source |
Overdraft & NSFVerified | |||||
| Courtesy Pay Fee | $25Within the typical range ($25–$33 nationally) | $5 below the national median$5 below the New York median | per item | — | Source |
| Non Sufficient Funds Fee (NSF Fee) | $25 | ||||
ATM & CardVerified | |||||
| ACFCU ATM and Participating Allpoint ATM Surcharge Fee | $0Below the typical range ($1–$2.25 nationally) | $1.50 below the national median$1.50 below the New York median | — | — | Source |
| NON-ACFCU or NON-Participating Allpoint ATM Surcharge Fee (Above Includes Withdrawals, Inquiries, Transfers) | $1 | ||||
Wire TransfersVerified | |||||
| Wire Transfers - Outgoing | $15Below the typical range ($20–$25 nationally) | $10 below the national median$10 below the New York median | — | — | Source |
Check ServicesVerified | |||||
| Money Orders | $2Within the typical range ($1.50–$3 nationally) | At the national medianAt the New York median | per item | — | Source |
| Stop Payment Fee | $15 | ||||
Digital & ElectronicVerified | |||||
| Online Bill Pay Inactivity Fee | $5Within the typical range ($0–$9.95 nationally) | $2.50 above the national median$2.50 above the New York median | per month | — | Source |
Cash & DepositVerified | |||||
| Deposited Item Returned (Return Check Fee) | $15Within the typical range ($8–$25 nationally) | At the national median$5 below the New York median | per item | — | Source |
Account ServicesVerified | |||||
| Notary Service | $0Within the typical range ($0–$5 nationally) | $2.50 below the national median$2 below the New York median | — | — | Source |
Retirement & IRAVerified | |||||
| IRA Closure / IRA Transfer Fee | $25Within the typical range ($25–$35 nationally) | At the national medianAt the New York median | — | — | Source |
Gift & Prepaid CardsVerified | |||||
| Visa Gift Card | $3.50Within the typical range ($3–$4.95 nationally) | At the national median$0.48 below the New York median | per item | — | Source |
Other FeesVerified | |||||
| Statement Copies | $2Within the typical range ($2–$5 nationally) | $1 below the national median$1 below the New York median | — | — | Source |
| Lien Release Copy | $10 | ||||
Fee change alerts
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Headline fees vs. national median
Overdraft
$25
Headline fees published
8 of 15
Published fees
26
Under review
0
Assets
$126.5M
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Financial Context
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
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| $5 below the national medianAt the New York median |
| per item |
| — |
| Source |
| Automatic Overdraft Transfer From Savings | $5Within the typical range ($2.50–$5 nationally) | At the national medianAt the New York median | per item | — | Source |
| $0.50 below the national median$0.50 below the New York median |
| per transaction |
| — |
| Source |
| Card Replacement Fee | $5Within the typical range ($5–$10 nationally) | $5 below the national median$5 below the New York median | — | — | Source |
| Overnight Delivery Visa Card per card (Pass-Through Cost) | $60Above the typical range ($30–$50 nationally) | $20 above the national median$20 above the New York median | per item | — | Source |
| $12.50 below the national median$10 below the New York median |
| per item |
| — |
| Source |
| Stop Payment Fee - Block of Checks | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$10 above the New York median | — | — | Source |
| Non-Member Check Cashing (Charged to Non-Member Cashing ACFCU Check) | $5Within the typical range ($5–$10 nationally) | At the national medianAt the New York median | per item | — | Source |
| Check Copies | $2Within the typical range ($2–$5 nationally) | $1 below the national median$3 below the New York median | per item | — | Source |
| $27.50 below the national median$27.50 below the New York median |
| — |
| — |
| Source |
| Loan Modification Fee | $250Above the typical range ($25–$100 nationally) | $212.50 above the national median$212.50 above the New York median | — | — | Source |
| Loan Subordination Fee | $250Above the typical range ($25–$100 nationally) | $212.50 above the national median$212.50 above the New York median | — | — | Source |