Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Southern Chautauqua Federal Credit Union

Lakewood, New YorkCredit UnionNew York Fed districtFees collected Oct 5, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account reconciliation fee/Research fee (min of 1/hour)$25Within the typical range ($20–$25 nationally)

ATM & CardVerified

Replacement visa debit card$10Within the typical range ($5–$10 nationally)
At the national median
Source
Replacement visa debit card pin #$5Within the typical range ($5–$10 nationally)
$5 below the national median
Source

Wire TransfersVerified

Wire Transfer (domestic/incoming)$17Above the typical range ($5–$15 nationally)
$7 above the national median
Source
Wire transfer (domestic/outgoing)$23Within the typical range ($20–$25 nationally)
$2 below the national median
Source

Check ServicesVerified

Money Order/Certified Cashier's Check$1Below the typical range ($3–$5.50 nationally)
$4 below the national median
Source
Stop payment ACH/Personal check/Teller check/Corporate check$22Within the typical range ($20–$30 nationally)
$4 below the national median
Source
Teller/corporate check drawn on credit union account (first 4 checks/month, free)$1Below the typical range ($3–$5.50 nationally)
$4 below the national median
per month · Source

Account ServicesVerified

Legal Process$100Within the typical range ($50–$150 nationally)
At the national median
Source
Notary services$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Source
Preparation of subordination agreement$75Within the typical range ($50–$150 nationally)
$25 below the national median
Source
Restraining notice/subpoena/levy fee/legal process$100Above the typical range ($30–$75 nationally)
$50 above the national median
Source

Lending FeesVerified

Deferment fee (skip a pay)$25Within the typical range ($15–$25 nationally)
$4 above the national median
Source
Loan payment late fee$20Within the typical range ($15–$25 nationally)
$1 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account reconciliation fee/Research fee (min of 1/hour)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Dormant account fee (per month after 12 months of no activity)	$30Above the typical range ($5–$10 nationally)	$25 above the national median	per month	—	Source
Incoming and outgoing fax	$0Below the typical range ($20–$25 nationally)	$25 below the national median	—	—	Source
Overdraft & NSFVerified
Courtesy pay/Overdraft fee	$24Below the typical range ($25–$32 nationally)	$6 below the national median	—	—	Source
NSF Fee	$29Within the typical range ($25–$31 nationally)
ATM & CardVerified
Replacement visa debit card	$10Within the typical range ($5–$10 nationally)	At the national median	—	—	Source
Replacement visa debit card pin #	$5
Wire TransfersVerified
Wire Transfer (domestic/incoming)	$17Above the typical range ($5–$15 nationally)	$7 above the national median	—	—	Source
Wire transfer (domestic/outgoing)	$23
Check ServicesVerified
Money Order/Certified Cashier's Check	$1Below the typical range ($3–$5.50 nationally)	$4 below the national median	—	—	Source
Stop payment ACH/Personal check/Teller check/Corporate check	$22
Digital & ElectronicVerified
Internet Bill Pay service fee	$0Within the typical range ($0–$11.48 nationally)	$4.97 below the national median	—	—	Source
Cash & DepositVerified
Deposited item returned	$36Above the typical range ($10–$25 nationally)	$21 above the national median	—	—	Source
Account ServicesVerified
Legal Process	$100Within the typical range ($50–$150 nationally)	At the national median	—	—	Source
Notary services	$0
Lending FeesVerified
Deferment fee (skip a pay)	$25Within the typical range ($15–$25 nationally)	$4 above the national median	—	—	Source
Loan payment late fee	$20Within the typical range ($15–$25 nationally)
Other FeesVerified
Loan application fee	$0Below the typical range ($20–$35 nationally)	$30 below the national median	—	—	Source
Statement Copy	$10

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$24

Overdraft fee: $24

20% below the national median overdraft fee

Total fees: 22 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$163.1M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$163.1M

Total deposits

$134.8M

Service charge income (year to date)

$765K

Fee income ratio

12.2%

Return on assets

1.62%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 34,850 published fee entries from 2,498 institutions

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