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

Meridia Community Federal Credit Union

Hamburg, New YorkCredit UnionNew York Fed districtFees collected Mar 17, 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

| Dormant Account Fee$5Within the typical range ($5–$10 nationally)

per month · Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=dormant_account; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Bill Pay (Free if paying 3 or more bills | Dormant Account Fee / $5.00/Mo*" · Source

6/mo | Current Address Not on File/Returned Mail$5

$20 below the national median

per month · Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=account_research; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="1st 3 are free/mo; max 6/mo | Current Address Not on File/Returned Mail | $5.00/Qtr" · Source

ea | Account Reconciliation/Research$25

At the national median

Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=account_research; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Early Withdrawal or (DUO\Closure | $10.00 ea | Account Reconciliation/Research | $25.00/hour" · Source

Early Withdrawal or (DUO\Closure$10

$15 below the national median

Overdraft & NSFVerified

Non-Sufficient Funds/Courtesy Pay$29.99Within the typical range ($25–$31 nationally)
$0.01 below the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=overdraft; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Non-Sufficient Funds/Courtesy Pay | $29.99 | Copy of Deposited Check" · Source
Non-Sufficient Funds/Courtesy Pay$34.99Above the typical range ($25–$31 nationally)
$4.99 above the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=overdraft; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Non-Sufficient Funds/Courtesy Pay | $34.99 | )RUHLJQ&XUUHQF\BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB IHHYDULHVEDVHGRQH[FKDQJHUDWHWKLUGSDUW\IHHV" · Source
Overdraft Transfer from Share$9.99Above the typical range ($3–$5 nationally)
$4.99 above the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=od_protection_transfer; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Overdraft Transfer from Share / $9.99" · Source

ATM & CardVerified

Non-Meridia ATM Transactions (1st 6 free/mo)$1Within the typical range ($1–$2.50 nationally)
$0.50 below the national median
per month · Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=atm_non_network; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Non-Meridia ATM Transactions (1st 6 free/mo) | $1.00 ea" · Source
questions or require current rate information on your accounts, | Debit/ATM Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=card_replacement; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="questions or require current rate information on your accounts, | Debit/ATM Card Replacement | $10.00" · Source

Wire TransfersVerified

) | 20% of wd | Wire-Outgoing Domestic$30Above the typical range ($20–$25 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=wire_domestic_outgoing; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="(Balance under $1500) | 20% of wd | Wire-Outgoing Domestic | $30.00 ea" · Source
IRA Share Savings Account Fees | Wire-Outgoing International$40Within the typical range ($40–$50 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=wire_intl_outgoing; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="IRA Share Savings Account Fees | Wire-Outgoing International | $40.00 ea" · Source
Withdrawal Fee | Wire - Incoming$20Above the typical range ($5–$15 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=wire_domestic_incoming; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Withdrawal Fee | Wire - Incoming | $20.00 ea" · Source

Check ServicesVerified

Bright Start Savings Account Fees | Stop Payment Fee (credit union items)$25Within the typical range ($20–$30 nationally)
$0.50 below the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=stop_payment; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Bright Start Savings Account Fees | Stop Payment Fee (credit union items) | $25.00 ea" · Source
Money Market Account Fees | Certified Check, Official Check or Money Order$1Below the typical range ($3–$6 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=cashiers_check; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Money Market Account Fees | Certified Check, Official Check or Money Order | $1.00" · Source
Stop Payment Fee (single or range)$20Within the typical range ($20–$30 nationally)
$5.50 below the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=stop_payment; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Stop Payment Fee (single or range) | $20.00 ea | Protest Fee | $15.00 ea" · Source

Cash & DepositVerified

Share Draft Checking Fees | Deposit Item Returned$20Within the typical range ($10–$25 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=deposited_item_return; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Share Draft Checking Fees | Deposit Item Returned | $20.00 ea" · Source

Account ServicesVerified

(ACH & Share Draft) HDFKSUHVHQWPHQW | Legal Process$100Within the typical range ($30–$131.13 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=legal_process; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="(ACH & Share Draft) HDFKSUHVHQWPHQW | Legal Process | $100.00" · Source

Other FeesVerified

) | Statement Copy$3Within the typical range ($2–$5 nationally)
At the national median
per month · Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=document_reproduction; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="(< $10,000) | Statement Copy | $3.00/Mo" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
\| Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=dormant_account; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Bill Pay (Free if paying 3 or more bills \| Dormant Account Fee / $5.00/Mo*"	Source
6/mo \| Current Address Not on File/Returned Mail	$5Below the typical range ($17.50–$25 nationally)	$20 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=account_research; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="1st 3 are free/mo; max 6/mo \| Current Address Not on File/Returned Mail \| $5.00/Qtr"	Source
ea \| Account Reconciliation/Research	$25Within the typical range ($17.50–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=account_research; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Early Withdrawal or (DUO\Closure \| $10.00 ea \| Account Reconciliation/Research \| $25.00/hour"	Source
Early Withdrawal or (DUO\Closure	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=account_research; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Early Withdrawal or (DUO\Closure \| $10.00 ea \| Account Reconciliation/Research \| $25.00/hour"	Source
Overdraft & NSFVerified
Non-Sufficient Funds/Courtesy Pay	$29.99Within the typical range ($25–$31 nationally)	$0.01 below the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=overdraft; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Non-Sufficient Funds/Courtesy Pay \| $29.99 \| Copy of Deposited Check"	Source

ATM & CardVerified
Non-Meridia ATM Transactions (1st 6 free/mo)	$1Within the typical range ($1–$2.50 nationally)	$0.50 below the national median	per month	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=atm_non_network; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Non-Meridia ATM Transactions (1st 6 free/mo) \| $1.00 ea"	Source
questions or require current rate information on your accounts, \| Debit/ATM Card Replacement
Wire TransfersVerified
) \| 20% of wd \| Wire-Outgoing Domestic	$30Above the typical range ($20–$25 nationally)	$8 above the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=wire_domestic_outgoing; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="(Balance under $1500) \| 20% of wd \| Wire-Outgoing Domestic \| $30.00 ea"	Source

Check ServicesVerified
Bright Start Savings Account Fees \| Stop Payment Fee (credit union items)	$25Within the typical range ($20–$30 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=stop_payment; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Bright Start Savings Account Fees \| Stop Payment Fee (credit union items) \| $25.00 ea"	Source
Cash & DepositVerified
Share Draft Checking Fees \| Deposit Item Returned	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=deposited_item_return; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="Share Draft Checking Fees \| Deposit Item Returned \| $20.00 ea"	Source
Account ServicesVerified
(ACH & Share Draft) HDFKSUHVHQWPHQW \| Legal Process	$100Within the typical range ($30–$131.13 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=legal_process; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="(ACH & Share Draft) HDFKSUHVHQWPHQW \| Legal Process \| $100.00"	Source
Other FeesVerified
) \| Statement Copy	$3Within the typical range ($2–$5 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #4803. canonical_hint=document_reproduction; text_hash=941536fbde1e19969f98ee1b2e934e2c5b2a2794e61fa185dd51a9729f7d6a4e; excerpt="(< $10,000) \| Statement Copy \| $3.00/Mo"	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

$29.99

Overdraft fee: $29.99

Overdraft fee is aligned with the national median

Total fees: 18 — leaner than most institutions

Headline fees published

10 of 15

Published fees

Under review

Assets

$144.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$144.1M

Total deposits

$117.7M

Service charge income (year to date)

$312K

Fee income ratio

7.7%

Return on assets

2.26%

Financial profile · Pro

Performance from regulator filings

Non-Sufficient Funds/Courtesy Pay

IRA Share Savings Account Fees | Wire-Outgoing International

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

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