Saratoga'S Community Federal Credit Union

Headquarters: Saratoga Springs, New York
Charter: Credit Union
Assets: $57.9M
Fed district: New York

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

Source: its fee schedule, read Oct 19, 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
Compared at $3.50, the middle of its prices
Saratoga'S Community Federal Credit Union: $2 to $5
Saratoga'S Community Federal Credit Union: $2 to $5
U.S. median: no median
Overdraft (OD)
Saratoga'S Community Federal Credit Union: $35
Saratoga'S Community Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Saratoga'S Community Federal Credit Union: $40
Saratoga'S Community Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 Saratoga'S Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$2
per month
Reduce monthly maintenance charge$5
per month
Savings Account Early Closing$10
Escheat Fee (on accounts legally deemed abandoned property)$100
Savings Account Dormant Account$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Address Correction$5

Overdraft & NSF

Overdraft Privilege$35
per item
Non-Sufficient Funds (NSF)$40
per item

ATM & Card

Debit Card Replacement$10

Wire Transfers

Outgoing Domestic Wire Transfer$25
per item
Incoming Wire Transfer$25
per item
Outgoing International Wire Transfer$50
per item

Check Services

Stop Payment$25
per item
Counter/Temporary Checks$5
per item · for twelve (12) checks
Check Cashing (Only available for checks drawn on Saratoga's Community Federal Credit Union accounts) (audience not stated, treated as personal)$5
per item
Items Sent for Collection$50
per item
Copy of Canceled Check$4
per item

Digital & Electronic

Bill Pay & Zelle$14.95
Not compared: Per-item charge, not monthly
per item

Account Services

Notary Service (audience not stated, treated as personal)$2
Legal Processing$100
Subordination Agreement$250

Lending Fees

Credit Card Late Payment$27

Other Fees

Statement Copy Reprint$4
per item
Loan Payment using debit card or eCheck$15

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2	per month	None
Reduce monthly maintenance charge	$5	per month	None
Savings Account Early Closing	$10	Not stated	None
Escheat Fee (on accounts legally deemed abandoned property)	$100	Not stated	None
Savings Account Dormant Account	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Address Correction	$5	Not stated	None
Overdraft & NSF
Overdraft Privilege	$35	per item	None
Non-Sufficient Funds (NSF)	$40	per item	None
ATM & Card
Debit Card Replacement	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	per item	None
Incoming Wire Transfer	$25	per item	None
Outgoing International Wire Transfer	$50	per item	None
Check Services
Stop Payment	$25	per item	None
Counter/Temporary Checks	$5	per item	for twelve (12) checks
Check Cashing (Only available for checks drawn on Saratoga's Community Federal Credit Union accounts) (audience not stated, treated as personal)	$5	per item	None
Items Sent for Collection	$50	per item	None
Copy of Canceled Check	$4	per item	None
Digital & Electronic
Bill Pay & Zelle	$14.95Not compared: Per-item charge, not monthly	per item	None
Account Services
Notary Service (audience not stated, treated as personal)	$2	Not stated	None
Legal Processing	$100	Not stated	None
Subordination Agreement	$250	Not stated	None
Lending Fees
Credit Card Late Payment	$27	Not stated	None
Other Fees
Statement Copy Reprint	$4	per item	None
Loan Payment using debit card or eCheck	$15	Not stated	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

Oct 19, 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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