First New York Federal Credit Union

Headquarters: Albany, New York
Charter: Credit Union
Assets: $574.0M
Fed district: New York

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

Source: its fee schedule, read Oct 17, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
First New York Federal Credit Union: $3
First New York Federal Credit Union: $3
U.S. median: no median
Overdraft (OD)
First New York Federal Credit Union: $30
First New York Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
First New York Federal Credit Union: $30
First New York Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 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 First New York Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Choice Account service charge (per month)$3
per month
Abandoned Property fee$125
Inactive Account fee (per month)$5
per month
Account Research/Reconciliation per hour (minimum 1 hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Statement fee (per statement)$5

Overdraft & NSF

Non-sufficient/Uncollected Funds Item paid$30
Non-sufficient/Uncollected Funds Item returned$30
Share to Share Overdraft Transfer$5

ATM & Card

ATM Inquiry at ATMs other than FNYFCU$1
ATM Withdrawals at ATMs other than FNYFCU$1
Replace Lost Visa Card$10

Wire Transfers

Wire Transfer - domestic (outgoing)$20
Wire Transfer - foreign (outgoing)$40

Check Services

Official First New York Money Order$2
Bill Payment Stop Payment$30
Stop Payments (all items)$20
Collection Item fee$25
Copy of Share Draft (cleared account less than 12 months)$1.50
Copy of Share Draft (cleared account over 12 months)$6.50

Account Services

Notary Public or Signature GuaranteeNo charge
Informational Subpoena with Restraining Notice$125

Retirement & IRA

IRA Transfer fee (per transfer)$25
per item

Gift & Prepaid Cards

Gift Card$4

Fee	Amount	Basis	Note
Account Maintenance
Choice Account service charge (per month)	$3	per month	None
Abandoned Property fee	$125	Not stated	None
Inactive Account fee (per month)	$5	per month	None
Account Research/Reconciliation per hour (minimum 1 hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Statement fee (per statement)	$5	Not stated	None
Overdraft & NSF
Non-sufficient/Uncollected Funds Item paid	$30	Not stated	None
Non-sufficient/Uncollected Funds Item returned	$30	Not stated	None
Share to Share Overdraft Transfer	$5	Not stated	None
ATM & Card
ATM Inquiry at ATMs other than FNYFCU	$1	Not stated	None
ATM Withdrawals at ATMs other than FNYFCU	$1	Not stated	None
Replace Lost Visa Card	$10	Not stated	None
Wire Transfers
Wire Transfer - domestic (outgoing)	$20	Not stated	None
Wire Transfer - foreign (outgoing)	$40	Not stated	None
Check Services
Official First New York Money Order	$2	Not stated	None
Bill Payment Stop Payment	$30	Not stated	None
Stop Payments (all items)	$20	Not stated	None
Collection Item fee	$25	Not stated	None
Copy of Share Draft (cleared account less than 12 months)	$1.50	Not stated	None
Copy of Share Draft (cleared account over 12 months)	$6.50	Not stated	None
Account Services
Notary Public or Signature Guarantee	No charge	Not stated	None
Informational Subpoena with Restraining Notice	$125	Not stated	None
Retirement & IRA
IRA Transfer fee (per transfer)	$25	per item	None
Gift & Prepaid Cards
Gift Card	$4	Not stated	None

Correct a fee source

Oct 17, 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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