Teachers Federal Credit Union

Headquarters: Smithtown, New York
Charter: Credit Union
Assets: $9.9B
Fed district: New York

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

Source: its fee schedule, read Nov 1, 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 $4.95, the middle of its prices
Teachers Federal Credit Union: $0 to $10
Teachers Federal Credit Union: $0 to $10
U.S. median: no median
NSF / Returned Item
Teachers Federal Credit Union: $32
Teachers Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Teachers Federal Credit Union: $1.50
Teachers Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Benefits Plus Monthly Fee$4.95
per month
Benefits Plus Premium Monthly Fee$9.95
per month
Maintenance FeeNo charge
Monthly FeeNo charge
per month
Monthly Fee$10
per month
Abandoned Property Processing Fee$25
Inactivity Fee$10
per month

Overdraft & NSF

Privilege Pay Returned Item Fee (per occurrence)$32
per item
Courtesy Transfer Overdraft Protection Program Fee$8
per item

ATM & Card

ATM cash disbursement transactions. For Visa Europe the fee is US$1.50
Replacement of ATM/ Check Card$10
per item
Currency conversion fee (audience not stated, treated as personal)1%

Wire Transfers

Domestic Wire Transfer (Outgoing)$25
per item

Check Services

Official Check$3
per item
Money Orders$3
per item
Certificate Accounts: Stop Payment of Automatic Transfer (ACH)$25
per item
Stop Payment - Share Draft (Check), ACH/Bill Payer$25
per item
Money Market Accounts: Foreign Collection Item$22
per item
Copy of Paid Draft: OnlineNo charge
Copy of Paid Draft: Online-Free; In Branch$3
per item

Digital & Electronic

Online Bill PaymentNo charge

Account Services

Notary PublicNo charge
Break Open of Safe Deposit Box$200
per year
Safe Deposit Box Replacement Key$25
Not compared: Box drilling or key fee
Safe Deposit Late Payment Fee (30+ days late)$10
Not compared: Box drilling or key fee
Legal Document Processing$75
Mortgage Subordination Preparation Fee$150

Other Fees

Copy of Statement: Online-FREE; In Branch$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Benefits Plus Monthly Fee	$4.95	per month	None
Benefits Plus Premium Monthly Fee	$9.95	per month	None
Maintenance Fee	No charge	Not stated	None
Monthly Fee	No charge	per month	None
Monthly Fee	$10	per month	None
Abandoned Property Processing Fee	$25	Not stated	None
Inactivity Fee	$10	per month	None
Overdraft & NSF
Privilege Pay Returned Item Fee (per occurrence)	$32	per item	None
Courtesy Transfer Overdraft Protection Program Fee	$8	per item	None
ATM & Card
ATM cash disbursement transactions. For Visa Europe the fee is US	$1.50	Not stated	None
Replacement of ATM/ Check Card	$10	per item	None
Currency conversion fee (audience not stated, treated as personal)	1%	Not stated	None
Wire Transfers
Domestic Wire Transfer (Outgoing)	$25	per item	None
Check Services
Official Check	$3	per item	None
Money Orders	$3	per item	None
Certificate Accounts: Stop Payment of Automatic Transfer (ACH)	$25	per item	None
Stop Payment - Share Draft (Check), ACH/Bill Payer	$25	per item	None
Money Market Accounts: Foreign Collection Item	$22	per item	None
Copy of Paid Draft: Online	No charge	Not stated	None
Copy of Paid Draft: Online-Free; In Branch	$3	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Account Services
Notary Public	No charge	Not stated	None
Break Open of Safe Deposit Box	$200	per year	None
Safe Deposit Box Replacement Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Late Payment Fee (30+ days late)	$10Not compared: Box drilling or key fee	Not stated	None
Legal Document Processing	$75	Not stated	None
Mortgage Subordination Preparation Fee	$150	Not stated	None
Other Fees
Copy of Statement: Online-FREE; In Branch	$3	per item	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 1, 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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