North Towns Federal Credit Union

Headquarters: Clarence, New York
Charter: Credit Union
Assets: $51.7M
Fed district: New York

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

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

Explore Hamilton View published fees

Fees against the market

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

Overdraft (OD)
North Towns Federal Credit Union: $30
North Towns Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
North Towns Federal Credit Union: $30 to $35
North Towns Federal Credit Union: $30 to $35
U.S. median: no median
Wire Transfer (Domestic Out)
North Towns Federal Credit Union: $20
North Towns Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 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.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from North Towns Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$25
Account Research - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Debit Card Cash Back Free Returned Mail Fee - Per Item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Overdraft Fee$30
Non-Sufficient Funds Fee$30
Non-Sufficient Funds Fee - Canadian Check$35
Overdraft Transfer Fee From Shares - Per Transaction$5
per transaction

ATM & Card

VISA Debit Card Replacement$10
VISA Debit Card Priority Rush Order 3-6 days$50
Currency Conversion Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Check Order - Price Varies Based on Style Charge Wire Transfer - Domestic$20
Wire Transfer - International$50

Check Services

Home Banking Free Stop Payment$35
Non Member Check Cashing Fee$10
Canadian Check Deposit$3
Check Copy Fee$5

Account Services

Notary Public Service Free Verification of Deposit Forms$15
Info Subpoena$30

Lending Fees

CD - Early WDL Dividend Penalty - 1 year or less 90 Days VISA Late Payment$25
Not compared: CD/IRA fee

Retirement & IRA

IRA Transfer to another Financial Institution$25

Gift & Prepaid Cards

VISA Gift Card$5
per item

Other Fees

E-Statement Free Statement - Duplicate - Per Each$2.50
per item
Photocopies - Each Copy$0.25
per item
VISA Statement Copy - Duplicate$5
Debit Card Purchases Free Skip-A-Pay Processing Fee$30
Lien Release - Duplicate$10

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$25	Not stated	None
Account Research - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Debit Card Cash Back Free Returned Mail Fee - Per Item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Overdraft Fee	$30	Not stated	None
Non-Sufficient Funds Fee	$30	Not stated	None
Non-Sufficient Funds Fee - Canadian Check	$35	Not stated	None
Overdraft Transfer Fee From Shares - Per Transaction	$5	per transaction	None
ATM & Card
VISA Debit Card Replacement	$10	Not stated	None
VISA Debit Card Priority Rush Order 3-6 days	$50	Not stated	None
Currency Conversion Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Check Order - Price Varies Based on Style Charge Wire Transfer - Domestic	$20	Not stated	None
Wire Transfer - International	$50	Not stated	None
Check Services
Home Banking Free Stop Payment	$35	Not stated	None
Non Member Check Cashing Fee	$10	Not stated	None
Canadian Check Deposit	$3	Not stated	None
Check Copy Fee	$5	Not stated	None
Account Services
Notary Public Service Free Verification of Deposit Forms	$15	Not stated	None
Info Subpoena	$30	Not stated	None
Lending Fees
CD - Early WDL Dividend Penalty - 1 year or less 90 Days VISA Late Payment	$25Not compared: CD/IRA fee	Not stated	None
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$5	per item	None
Other Fees
E-Statement Free Statement - Duplicate - Per Each	$2.50	per item	None
Photocopies - Each Copy	$0.25	per item	None
VISA Statement Copy - Duplicate	$5	Not stated	None
Debit Card Purchases Free Skip-A-Pay Processing Fee	$30	Not stated	None
Lien Release - Duplicate	$10	Not stated	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

Oct 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.

Fee change alerts

Get an email when North Towns Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.