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

Greater Niagara Federal Credit Union

Niagara Falls, New YorkCredit UnionNew York Fed districtFees collected Oct 6, 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$30Above the typical range ($20–$25 nationally)

Overdraft & NSFVerified

Courtesy Pay Fee$25Within the typical range ($25–$32 nationally)
$5 below the national median
per item · Source
Non Sufficient Funds$25Within the typical range ($25–$31.50 nationally)
$5 below the national median
per item · Source

Check ServicesVerified

Check Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Money Order$1Below the typical range ($1.75–$3 nationally)
$1 below the national median
Source
Stop Payment$25Within the typical range ($20–$30 nationally)
$1 below the national median
per item · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$30Above the typical range ($20–$25 nationally)	$5 above the national median	—	—	Source
Christmas Club Early Withdrawal Fee	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Courtesy Pay Fee	$25Within the typical range ($25–$32 nationally)	$5 below the national median	per item	—	Source
Non Sufficient Funds	$25
ATM & CardVerified
Visa ATM Fee	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	—	—	Source
Wire TransfersVerified
Wire Transfer: Outgoing	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Check ServicesVerified
Check Copy	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	—	Source
Money Order	$1Below the typical range ($1.75–$3 nationally)
Digital & ElectronicVerified
Bill Pay	$5Within the typical range ($0–$11.13 nationally)	$0.05 above the national median	per month	—	Source
Cash & DepositVerified
Returned Deposited Item	$25Within the typical range ($10–$25 nationally)	$10 above the national median	per item	—	Source
Account ServicesVerified
Tax Levy/Garnishment	$50Within the typical range ($30–$75 nationally)	At the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$3Within the typical range ($3–$4.50 nationally)	$0.50 below the national median	—	—	Source
Other FeesVerified
Statement Copy	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	—	Source

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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

$25

Overdraft fee: $25

17% below the national median overdraft fee

Total fees: 15 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$69.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$69.5M

Total deposits

$59.5M

Service charge income (year to date)

$130K

Fee income ratio

7.4%

Return on assets

1.50%

Financial profile · Pro

Performance from regulator filings

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

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Based on 37,727 published fee entries from 2,634 institutions

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