Meridia Community Federal Credit Union

Headquarters: Hamburg, New York
Charter: Credit Union
Assets: $144.1M
Fed district: New York

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

Source: its fee schedule, read Oct 15, 2026.

Explore Hamilton View published fees

Fees against the market

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

Monthly Maintenance
Meridia Community Federal Credit Union: $5
Meridia Community Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Compared at $34.99, its standard fee, the highest of its prices
Meridia Community Federal Credit Union: $29.99 to $34.99
Meridia Community Federal Credit Union: $29.99 to $34.99
U.S. median: no median
NSF / Returned Item
Meridia Community Federal Credit Union: $29.99
Meridia Community Federal Credit Union: $29.99
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 Meridia Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Minimum Balance (under $1000)$7.50
per month
Minimum Balance (under $500)$5
Not compared: Quarterly charge, not monthly
per quarter
Account Closure Fee$25
Account Reconciliation/Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Current Address Not on File/Returned Mail$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Non-Sufficient Funds / Courtesy Pay (ACH & Share Draft)$34.99
per item
Non-Sufficient Funds / Courtesy Pay (Debit & ATM)$29.99
per item
Non-Sufficient Funds/Courtesy Pay$29.99
Non-Sufficient Funds/Courtesy Pay$34.99
Overdraft Fee (audience not stated, treated as personal)$30
per item
NSF / Returned Item$29.99
Overdraft Transfer from Share$9.99

ATM & Card

Balance Inquiry (Non-Meridia ATMs)$1
Non-Meridia ATM Transactions (1st 6 free/mo)$1
per item
Debit/ATM Card Replacement$10

Wire Transfers

Wire-Outgoing Domestic$30
per item
Wire - Incoming$20
per item
Wire-Outgoing International$40
per item

Check Services

Certified Check, Official Check or Money Order$1
Stop Payment Fee (credit union items)$25
per item
Stop Payment Fee (single or range)$20
per item
Savings: Non-Member Check Cashing$5

Digital & Electronic

ACH Return Fee (audience not stated, treated as personal)$29.99
Bill Paying Service fee (fewer than three payments in a month)$5
Cancellation Fee (audience not stated, treated as personal)$7.50
Not compared: Per-transaction charge, not monthly
per transaction
Charitable Donations (audience not stated, treated as personal)$1.99
Not compared: Per-transaction charge, not monthly
per transaction
Gift Pay (audience not stated, treated as personal)$2.99
Not compared: Per-transaction charge, not monthly
per transaction
Rush Payment Reinstate Fee (audience not stated, treated as personal)$50
Not compared: Per-transaction charge, not monthly
per transaction

Cash & Deposit

Deposit Item Returned$20
per item

Account Services

Legal Process$100

Other Fees

2nd Day Fee (audience not stated, treated as personal)$9.95
per transaction
Express Mail correspondence (audience not stated, treated as personal)$15
per transaction
Overnight Fee (audience not stated, treated as personal)$14.95
per transaction
Statement Copy$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Minimum Balance (under $1000)	$7.50	per month	None
Minimum Balance (under $500)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Account Closure Fee	$25	Not stated	None
Account Reconciliation/Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Current Address Not on File/Returned Mail	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Non-Sufficient Funds / Courtesy Pay (ACH & Share Draft)	$34.99	per item	None
Non-Sufficient Funds / Courtesy Pay (Debit & ATM)	$29.99	per item	None
Non-Sufficient Funds/Courtesy Pay	$29.99	Not stated	None
Non-Sufficient Funds/Courtesy Pay	$34.99	Not stated	None
Overdraft Fee (audience not stated, treated as personal)	$30	per item	None
NSF / Returned Item	$29.99	Not stated	None
Overdraft Transfer from Share	$9.99	Not stated	None
ATM & Card
Balance Inquiry (Non-Meridia ATMs)	$1	Not stated	None
Non-Meridia ATM Transactions (1st 6 free/mo)	$1	per item	None
Debit/ATM Card Replacement	$10	Not stated	None
Wire Transfers
Wire-Outgoing Domestic	$30	per item	None
Wire - Incoming	$20	per item	None
Wire-Outgoing International	$40	per item	None
Check Services
Certified Check, Official Check or Money Order	$1	Not stated	None
Stop Payment Fee (credit union items)	$25	per item	None
Stop Payment Fee (single or range)	$20	per item	None
Savings: Non-Member Check Cashing	$5	Not stated	None
Digital & Electronic
ACH Return Fee (audience not stated, treated as personal)	$29.99	Not stated	None
Bill Paying Service fee (fewer than three payments in a month)	$5	Not stated	None
Cancellation Fee (audience not stated, treated as personal)	$7.50Not compared: Per-transaction charge, not monthly	per transaction	None
Charitable Donations (audience not stated, treated as personal)	$1.99Not compared: Per-transaction charge, not monthly	per transaction	None
Gift Pay (audience not stated, treated as personal)	$2.99Not compared: Per-transaction charge, not monthly	per transaction	None
Rush Payment Reinstate Fee (audience not stated, treated as personal)	$50Not compared: Per-transaction charge, not monthly	per transaction	None
Cash & Deposit
Deposit Item Returned	$20	per item	None
Account Services
Legal Process	$100	Not stated	None
Other Fees
2nd Day Fee (audience not stated, treated as personal)	$9.95	per transaction	None
Express Mail correspondence (audience not stated, treated as personal)	$15	per transaction	None
Overnight Fee (audience not stated, treated as personal)	$14.95	per transaction	None
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

Oct 15, 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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