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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Among its peers

First New York Federal Credit Union · $574M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$546M to $601M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First New York Federal Credit Union(this institution)	Albany, NY	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Argent Federal Credit Union	Chesterfield, VA	$572M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ascentra Federal Credit Union	Bettendorf, IA	$596M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Credit Union of Texas	League City, TX	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cabrillo Federal Credit Union	San Diego, CA	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Diversified Members Federal Credit Union	Detroit, MI	$589M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dutch Point Federal Credit Union	Wethersfield, CT	$565M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Embold Federal Credit Union	Oregon City, OR	$596M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Firelands Federal Credit Union	Bellevue, OH	$580M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First U.S. Community Federal Credit Union	Sacramento, CA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Freedom Of Maryland Federal Credit Union	Bel Air, MD	$557M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heartland Federal Credit Union	Springfield, IL	$574M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Partners 1St Federal Credit Union	Fort Wayne, IN	$546M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Resource One Federal Credit Union	Dallas, TX	$555M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Securityplus Federal Credit Union	Baltimore, MD	$597M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Simplicity Federal Credit Union	Marshfield, WI	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Siu Federal Credit Union	Carbondale, IL	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Soarion Federal Credit Union	San Antonio, TX	$556M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tech Federal Credit Union	Crown Point, IN	$599M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Southern Federal Credit Union	Fayetteville, GA	$560M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transcend Federal Credit Union	Louisville, KY	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
U. T. Federal Credit Union	Knoxville, TN	$554M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (50%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $6 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First New York Federal Cr…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

Fee change alerts

Get an email when First New York Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.

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.

Among its peers

First New York Federal Credit Union · $574M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$546M to $601M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First New York Federal Credit Union(this institution)	Albany, NY	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Argent Federal Credit Union	Chesterfield, VA	$572M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ascentra Federal Credit Union	Bettendorf, IA	$596M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Credit Union of Texas	League City, TX	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cabrillo Federal Credit Union	San Diego, CA	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Diversified Members Federal Credit Union	Detroit, MI	$589M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dutch Point Federal Credit Union	Wethersfield, CT	$565M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Embold Federal Credit Union	Oregon City, OR	$596M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Firelands Federal Credit Union	Bellevue, OH	$580M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First U.S. Community Federal Credit Union	Sacramento, CA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Freedom Of Maryland Federal Credit Union	Bel Air, MD	$557M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heartland Federal Credit Union	Springfield, IL	$574M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Partners 1St Federal Credit Union	Fort Wayne, IN	$546M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Resource One Federal Credit Union	Dallas, TX	$555M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Securityplus Federal Credit Union	Baltimore, MD	$597M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Simplicity Federal Credit Union	Marshfield, WI	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Siu Federal Credit Union	Carbondale, IL	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Soarion Federal Credit Union	San Antonio, TX	$556M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tech Federal Credit Union	Crown Point, IN	$599M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Southern Federal Credit Union	Fayetteville, GA	$560M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transcend Federal Credit Union	Louisville, KY	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
U. T. Federal Credit Union	Knoxville, TN	$554M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (50%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $6 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

First New York Federal Cr…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.