Island Federal Credit Union

Headquarters: Hauppauge, New York
Charter: Credit Union
Assets: $1.3B
Fed district: New York

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

Source: its fee schedule, read Mar 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
Island Federal Credit Union: $30
Island Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Island Federal Credit Union: $15
Island Federal Credit Union: $15
U.S. median: no median
Stop Payment
Compared at $22.50, the middle of its prices
Island Federal Credit Union: $20 to $25
Island Federal Credit Union: $20 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

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

Account Maintenance

Below minimum balance$1
Money Market funds below minimum balance$12
Dormant account$5
per month
Inactive account$5
per month
Account reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Money Market excess transaction$19
per transaction

Overdraft & NSF

NSF / Returned Item$30
per item

ATM & Card

ATM/Checkcard replace lost/stolen card$10
Not compared: Monthly charge, not per item
per month
Replacement card$10
Debit/Checkcard international transaction fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Domestic outgoing wire$15
International outgoing wire$45

Check Services

Certified check$2
Official Check withdrawal$3
Money Orders$2
Electronic stop payment (Bill Payer Service)$25
Stop payment on balance transfer check$20
Foreign collection item$30
Photocopy of deposited check$15
Photocopy of Island official check issued$15

Digital & Electronic

Bill Pay & Zelle$8
Not compared: Annual charge, not monthly
per year

Cash & Deposit

Returned deposit item per each presentment$30
per item

Account Services

10x10 (per year)$100
per year
3x10 (per year)$40
per year
3x5 (per year)$20
per year
5x10 (per year)$60
per year
7x10 (per year)$80
per year
Safe Deposit Box$30
per year
Legal process (tax levy)$50
Legal Process/Subpoena$100

Gift & Prepaid Cards

6 Gift Card$3.95

Other Fees

Statement copy$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Below minimum balance	$1	Not stated	None
Money Market funds below minimum balance	$12	Not stated	None
Dormant account	$5	per month	None
Inactive account	$5	per month	None
Account reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Money Market excess transaction	$19	per transaction	None
Overdraft & NSF
NSF / Returned Item	$30	per item	None
ATM & Card
ATM/Checkcard replace lost/stolen card	$10Not compared: Monthly charge, not per item	per month	None
Replacement card	$10	Not stated	None
Debit/Checkcard international transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Domestic outgoing wire	$15	Not stated	None
International outgoing wire	$45	Not stated	None
Check Services
Certified check	$2	Not stated	None
Official Check withdrawal	$3	Not stated	None
Money Orders	$2	Not stated	None
Electronic stop payment (Bill Payer Service)	$25	Not stated	None
Stop payment on balance transfer check	$20	Not stated	None
Foreign collection item	$30	Not stated	None
Photocopy of deposited check	$15	Not stated	None
Photocopy of Island official check issued	$15	Not stated	None
Digital & Electronic
Bill Pay & Zelle	$8Not compared: Annual charge, not monthly	per year	None
Cash & Deposit
Returned deposit item per each presentment	$30	per item	None
Account Services
10x10 (per year)	$100	per year	None
3x10 (per year)	$40	per year	None
3x5 (per year)	$20	per year	None
5x10 (per year)	$60	per year	None
7x10 (per year)	$80	per year	None
Safe Deposit Box	$30	per year	None
Legal process (tax levy)	$50	Not stated	None
Legal Process/Subpoena	$100	Not stated	None
Gift & Prepaid Cards
6 Gift Card	$3.95	Not stated	None
Other Fees
Statement copy	$3Not compared: Monthly charge, not per item	per month	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

Mar 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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