The Summit Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $1.5B
Fed district: New York

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

Source: its fee schedule, read Nov 5, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $2.98, the middle of its prices
The Summit Federal Credit Union: $0 to $5.95
The Summit Federal Credit Union: $0 to $5.95
U.S. median: no median
Overdraft (OD)
The Summit Federal Credit Union: $25
The Summit Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
The Summit Federal Credit Union: $25
The Summit Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 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 The Summit Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Maintenance Fee$5.95
per month
Account Maintenance Fee: If applicable$5.95
per month
Maintenance Fee (audience not stated, treated as personal)No charge
MoneyMax Account Low Balance Fee$10
Premium Checking Low Balance Fee$5
Early Account Closure Fee (180 days of account opening)$5
» all loan and certificate account balances as of the last business: Inactivity Fee$15
Not compared: Quarterly charge, not monthly
per quarter
Dormant Account Fee$20
Inactivity$7.95
Balance Checkbook Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Bad Address Fee$5

Overdraft & NSF

Courtesy Pay Fee$25
Insufficient Funds Fee$25
Share-to-Share Overdraft Transfer Fee$10
per item

ATM & Card

Non-Summit Owned ATM machines$2

Check Services

Official Checks$5
Money Orders$2
per item
Stop Payments$25
Check Cashing Fee (non-members, per visit)$5
Check Copy Fee$5
Online Check CopiesNo charge

Account Services

Notary Fee (non-members)$2
Not compared: Daily charge, not per item
per day
Legal Order Processing Fee (per request)$95
per item
Mortgage Subordination Fee$125
Verification of Deposit (per request)$20
per item

Lending Fees

Late Payment Fee$35

Retirement & IRA

IRA Institution to Institution Transfer Fee$30

Other Fees

Interim statement copy$1
Statement copies for previous quarter$20
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee	$5.95	per month	None
Account Maintenance Fee: If applicable	$5.95	per month	None
Maintenance Fee (audience not stated, treated as personal)	No charge	Not stated	None
MoneyMax Account Low Balance Fee	$10	Not stated	None
Premium Checking Low Balance Fee	$5	Not stated	None
Early Account Closure Fee (180 days of account opening)	$5	Not stated	None
» all loan and certificate account balances as of the last business: Inactivity Fee	$15Not compared: Quarterly charge, not monthly	per quarter	None
Dormant Account Fee	$20	Not stated	None
Inactivity	$7.95	Not stated	None
Balance Checkbook Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Bad Address Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$25	Not stated	None
Insufficient Funds Fee	$25	Not stated	None
Share-to-Share Overdraft Transfer Fee	$10	per item	None
ATM & Card
Non-Summit Owned ATM machines	$2	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Money Orders	$2	per item	None
Stop Payments	$25	Not stated	None
Check Cashing Fee (non-members, per visit)	$5	Not stated	None
Check Copy Fee	$5	Not stated	None
Online Check Copies	No charge	Not stated	None
Account Services
Notary Fee (non-members)	$2Not compared: Daily charge, not per item	per day	None
Legal Order Processing Fee (per request)	$95	per item	None
Mortgage Subordination Fee	$125	Not stated	None
Verification of Deposit (per request)	$20	per item	None
Lending Fees
Late Payment Fee	$35	Not stated	None
Retirement & IRA
IRA Institution to Institution Transfer Fee	$30	Not stated	None
Other Fees
Interim statement copy	$1	Not stated	None
Statement copies for previous quarter	$20Not compared: Charged per hour; comparison unavailable	per hour	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 5, 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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