Access Federal Credit Union

Headquarters: Clinton, New York
Charter: Credit Union
Assets: $320.1M
Fed district: New York

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

Source: its fee schedule, read Oct 14, 2026.

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
Access Federal Credit Union: $25
Access Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $20, the middle of its prices
Access Federal Credit Union: $15 to $25
Access Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Access Federal Credit Union: $1 to $10
Access Federal Credit Union: $1 to $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 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 Access Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Holiday Club Early Closure$5
Dormant Account Fee (annual)$5
Not compared: Annual charge, not monthly
per year
Inactive Share Fee (monthly)$5
per month

Overdraft & NSF

Courtesy Pay Fee$25
Bill Payment Insufficient Funds Surcharge (each item)$15
per item
Insufficient Funds (each item)$25
per item

ATM & Card

Inquiries at Non ACCESS FCU ATMs (each)$1
per item
Non-Network ATM$10
per item
Withdrawals at Non ACCESS FCU ATMsWithdrawals at Non ACCESS FCU ATMs (each)$1
per item
Card Replacement$10
Rush Card Replacement Fee$55
per item
Rush Card Replacement Fee$50

Wire Transfers

Domestic Wire Transfer (outgoing)$15
Domestic Wire Transfers (incoming)No charge
Foreign Wire Transfer (outgoing)$35
Foreign Wire Transfer (incoming)$35

Check Services

Cancellation of Official Check$10
Official Checks (1 complimentary check per day)$1
Not compared: Daily charge, not per item
per day
Official Checks (Minimum face value: $1,000)$1
Money Orders (Maximum face value: $1,000)$1
Stop Payment on Draft$10
Check Collection Fee$20
Foreign Check Fee$25
Photo Copy of Draft (each)$3
per item

Digital & Electronic

ACCESS-A-Bill (Bill Payment Service - per month)No charge
per month

Cash & Deposit

Coin Machine20%

Account Services

Notary Public (per Notary Act)$2
per item
Levy or Restraint Maintenance$50

Lending Fees

Loan Cancellation$15

Other Fees

Copy of Prior Month's Statement (per page)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Holiday Club Early Closure	$5	Not stated	None
Dormant Account Fee (annual)	$5Not compared: Annual charge, not monthly	per year	None
Inactive Share Fee (monthly)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$25	Not stated	None
Bill Payment Insufficient Funds Surcharge (each item)	$15	per item	None
Insufficient Funds (each item)	$25	per item	None
ATM & Card
Inquiries at Non ACCESS FCU ATMs (each)	$1	per item	None
Non-Network ATM	$10	per item	None
Withdrawals at Non ACCESS FCU ATMsWithdrawals at Non ACCESS FCU ATMs (each)	$1	per item	None
Card Replacement	$10	Not stated	None
Rush Card Replacement Fee	$55	per item	None
Rush Card Replacement Fee	$50	Not stated	None
Wire Transfers
Domestic Wire Transfer (outgoing)	$15	Not stated	None
Domestic Wire Transfers (incoming)	No charge	Not stated	None
Foreign Wire Transfer (outgoing)	$35	Not stated	None
Foreign Wire Transfer (incoming)	$35	Not stated	None
Check Services
Cancellation of Official Check	$10	Not stated	None
Official Checks (1 complimentary check per day)	$1Not compared: Daily charge, not per item	per day	None
Official Checks (Minimum face value: $1,000)	$1	Not stated	None
Money Orders (Maximum face value: $1,000)	$1	Not stated	None
Stop Payment on Draft	$10	Not stated	None
Check Collection Fee	$20	Not stated	None
Foreign Check Fee	$25	Not stated	None
Photo Copy of Draft (each)	$3	per item	None
Digital & Electronic
ACCESS-A-Bill (Bill Payment Service - per month)	No charge	per month	None
Cash & Deposit
Coin Machine	20%	Not stated	None
Account Services
Notary Public (per Notary Act)	$2	per item	None
Levy or Restraint Maintenance	$50	Not stated	None
Lending Fees
Loan Cancellation	$15	Not stated	None
Other Fees
Copy of Prior Month's Statement (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 14, 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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