Chen-Del-O Federal Credit Union

Headquarters: Franklin, New York
Charter: Credit Union
Assets: $34.9M
Fed district: New York

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

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

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

NSF / Returned Item
Chen-Del-O Federal Credit Union: $30
Chen-Del-O Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Chen-Del-O Federal Credit Union: $20
Chen-Del-O Federal Credit Union: $20
U.S. median: no median
Stop Payment
Compared at $15, the middle of its prices
Chen-Del-O Federal Credit Union: $15 to $35
Chen-Del-O Federal Credit Union: $15 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 Chen-Del-O Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$5
per month · No activity for 1 year
Account History Printout (1+ year prior)$2
per item · 1 year or more prior
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Personal Check, NSF (Each time an item is submitted or resubmitted for payment)$30
per item

Wire Transfers

Domestic Wire Out$20
per item
Incoming Wire Fee$10
per item
International Wire Out$30
per item

Check Services

Stop Payment ACH / Electronics$15
per item
Stop Payment Credit Union Check$35
per item
Stop Payment Share Draft$15
Photocopy of Check$1.50
per item

Digital & Electronic

ACH NSF Return (Each time an item is submitted or resubmitted for payment)$30
per item

Cash & Deposit

Returned Deposit Check$30

Account Services

NotaryNo charge
Notary (non members)$2
per item · For non-members only

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$5	per month	No activity for 1 year
Account History Printout (1+ year prior)	$2	per item	1 year or more prior
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Personal Check, NSF (Each time an item is submitted or resubmitted for payment)	$30	per item	None
Wire Transfers
Domestic Wire Out	$20	per item	None
Incoming Wire Fee	$10	per item	None
International Wire Out	$30	per item	None
Check Services
Stop Payment ACH / Electronics	$15	per item	None
Stop Payment Credit Union Check	$35	per item	None
Stop Payment Share Draft	$15	Not stated	None
Photocopy of Check	$1.50	per item	None
Digital & Electronic
ACH NSF Return (Each time an item is submitted or resubmitted for payment)	$30	per item	None
Cash & Deposit
Returned Deposit Check	$30	Not stated	None
Account Services
Notary	No charge	Not stated	None
Notary (non members)	$2	per item	For non-members only

Correct a fee source

Feb 17, 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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