Sidney Federal Credit Union

Headquarters: Sidney, New York
Charter: Credit Union
Assets: $1.3B
Fed district: New York

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

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

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

Monthly Maintenance
Dividend Checking
Sidney Federal Credit Union: $2
Sidney Federal Credit Union: $2
U.S. median: no median
Overdraft (OD)
Sidney Federal Credit Union: $25
Sidney Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Sidney Federal Credit Union: $25
Sidney 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 3, 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 Sidney Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dividend Checking Monthly service charge$2
per month
Abandoned Property Account: or less: ACH/Debit Loan Payments by phone$10

Overdraft & NSF

Courtesy Pay Item$25
Return Items$25

ATM & Card

Foreign ATM – transactions/inquires$1
Replacement Card$10
Mail Rush Card$25

Check Services

Official Check$1
Stop Payment$25
Non-Member Check Cashing$5
per transaction
Foreign Check Collection$30

Cash & Deposit

Return Deposit Item$15

Account Services

Legal Processing$100
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Monthly service charge	$2	per month	None
Abandoned Property Account: or less: ACH/Debit Loan Payments by phone	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Item	$25	Not stated	None
Return Items	$25	Not stated	None
ATM & Card
Foreign ATM – transactions/inquires	$1	Not stated	None
Replacement Card	$10	Not stated	None
Mail Rush Card	$25	Not stated	None
Check Services
Official Check	$1	Not stated	None
Stop Payment	$25	Not stated	None
Non-Member Check Cashing	$5	per transaction	None
Foreign Check Collection	$30	Not stated	None
Cash & Deposit
Return Deposit Item	$15	Not stated	None
Account Services
Legal Processing	$100Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 3, 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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