First Source Federal Credit Union

Headquarters: New Hartford, New York
Charter: Credit Union
Assets: $1.1B
Fed district: New York

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

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

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

Monthly Maintenance
Only One Checking Rewards
First Source Federal Credit Union: $5
First Source Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
First Source Federal Credit Union: $25
First Source Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
First Source Federal Credit Union: $1.50
First Source Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 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 Source Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Only One Checking Rewards - monthly fee$5
per month
Hourly fee for research time on account reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-sufficient funds$25
Overdraft transfer from another deposit account (3 free per month)$2.50

ATM & Card

Non-First Source (Foreign) ATM balance inquiry$1.50
Non-First Source (Foreign) ATM transaction$1.50

Wire Transfers

Wire transfers (outgoing): Domestic$25
Wire transfers (incoming)$20
Wire transfers (outgoing): International$40

Check Services

Stop payment$25
Check copy$5

Account Services

Lost key fee$20
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10x10$150
Safe Deposit Box 5x10$90
Garnishment Processing$50
Subordination Agreement/Partial Release$150

Other Fees

Statement copy$5

Fee	Amount	Basis	Note
Account Maintenance
Only One Checking Rewards - monthly fee	$5	per month	None
Hourly fee for research time on account reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-sufficient funds	$25	Not stated	None
Overdraft transfer from another deposit account (3 free per month)	$2.50	Not stated	None
ATM & Card
Non-First Source (Foreign) ATM balance inquiry	$1.50	Not stated	None
Non-First Source (Foreign) ATM transaction	$1.50	Not stated	None
Wire Transfers
Wire transfers (outgoing): Domestic	$25	Not stated	None
Wire transfers (incoming)	$20	Not stated	None
Wire transfers (outgoing): International	$40	Not stated	None
Check Services
Stop payment	$25	Not stated	None
Check copy	$5	Not stated	None
Account Services
Lost key fee	$20Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10x10	$150	Not stated	None
Safe Deposit Box 5x10	$90	Not stated	None
Garnishment Processing	$50	Not stated	None
Subordination Agreement/Partial Release	$150	Not stated	None
Other Fees
Statement copy	$5	Not stated	None

Correct a fee source

Oct 13, 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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