Cadets Federal Credit Union

Headquarters: Elma, New York
Charter: Credit Union
Assets: $17.7M
Fed district: New York

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

Source: its fee schedule, read Oct 20, 2026.

Explore Hamilton View published fees

Fees against the market

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

NSF / Returned Item
Cadets Federal Credit Union: $25
Cadets Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Cadets Federal Credit Union: $20
Cadets Federal Credit Union: $20
U.S. median: no median
Stop Payment
Compared at $27.50, the middle of its prices
Cadets Federal Credit Union: $20 to $35
Cadets Federal Credit Union: $20 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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 Cadets Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure Fee$25
Account Closure Fee / Account Re-Open Fee$25
per item · Only assessed if account is closed or re-opened within 180 days of being opened
Dormant / Inactive Account Fee$10
per month
Return Mail Fee$5
Not compared: Per-occurrence charge, not monthly
per item · For returned mail - non-notification of address change

Overdraft & NSF

Non-Sufficient Funds Fee$25
per item
Automatic Overdraft Transfer from Savings$2
per item

ATM & Card

Debit Card Replacement Fee$10
per item

Wire Transfers

Wire Transfers - Outgoing$20
per item

Check Services

Stop Payment Fee (Over-the Counter Check)$35
Stop Payment Fee (Share Draft Check)$20
per item · Per share draft check
Check Cashing Fee for Non-Members$10
per item
Check Copies$2
per item

Digital & Electronic

ACH Return Fee$25
per item

Cash & Deposit

Deposit Item Returned (Return Check Fee)$25
per item

Account Services

Legal Services & Judgments$50
per item

Other Fees

Account History Copy$2
per item · Per computer printout
Statement Copies$5
Discharge of Mortgage$55
per item
Lien Release Copy$5
Loan Refinancing Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee	$25	Not stated	None
Account Closure Fee / Account Re-Open Fee	$25	per item	Only assessed if account is closed or re-opened within 180 days of being opened
Dormant / Inactive Account Fee	$10	per month	None
Return Mail Fee	$5Not compared: Per-occurrence charge, not monthly	per item	For returned mail - non-notification of address change
Overdraft & NSF
Non-Sufficient Funds Fee	$25	per item	None
Automatic Overdraft Transfer from Savings	$2	per item	None
ATM & Card
Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Wire Transfers - Outgoing	$20	per item	None
Check Services
Stop Payment Fee (Over-the Counter Check)	$35	Not stated	None
Stop Payment Fee (Share Draft Check)	$20	per item	Per share draft check
Check Cashing Fee for Non-Members	$10	per item	None
Check Copies	$2	per item	None
Digital & Electronic
ACH Return Fee	$25	per item	None
Cash & Deposit
Deposit Item Returned (Return Check Fee)	$25	per item	None
Account Services
Legal Services & Judgments	$50	per item	None
Other Fees
Account History Copy	$2	per item	Per computer printout
Statement Copies	$5	Not stated	None
Discharge of Mortgage	$55	per item	None
Lien Release Copy	$5	Not stated	None
Loan Refinancing Fee	$50	Not stated	None

Correct a fee source

Oct 20, 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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