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

Utica District Telephone Employees Federal Credit Union

Utica, New YorkCredit UnionNew York Fed districtFees collected Feb 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

Research Fee$20Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=account_research; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Research Fee | $20.00/hour | leading insurance companies. The insurance offered is not a deposit, and is" · Source

Overdraft & NSFVerified

Overdraft Transfer Fee (NSF)$5Within the typical range ($3–$5 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=od_protection_transfer; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Overdraft Transfer Fee (NSF) | $ 5.00 each" · Source
Returned Item (NSF)$25Within the typical range ($25–$31 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=nsf; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Returned Item (NSF) | $25.00 each | gloves, mittens and scarves for the Utica Rescue Mission." · Source

ATM & CardVerified

Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=card_replacement; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Debit Card Replacement | $10.00 each | at UTELFCU. While our staff cannot advise you on what" · Source

Check ServicesVerified

Stop Payment Request$15Below the typical range ($20–$30 nationally)
$10.50 below the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=stop_payment; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Stop Payment Request | $15.00 each | donations of food, money, winter-weather jackets, hats," · Source
Teller Checks$1Below the typical range ($3–$6 nationally)
$4 below the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=cashiers_check; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Teller Checks | $ 1.00 each | products and programs are made available through TruStage Insurance" · Source

Digital & ElectronicVerified

Bill Pay$0Within the typical range ($0–$11.29 nationally)
$4.97 below the national median
Knox read a free fee from Rosetta artifact #7084. canonical_hint=bill_pay; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Bill Pay | Free" · Source

Cash & DepositVerified

Returned Deposited Item$10Within the typical range ($10–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=deposited_item_return; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Returned Deposited Item | $10.00 each" · Source

Account ServicesVerified

Legal Process Fee$25Below the typical range ($30–$131.13 nationally)
$50 below the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=legal_process; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Legal Process Fee | $25.00 each" · Source
Notary Public Service$0Within the typical range ($0–$5 nationally)
$2.50 below the national median
Knox read a free fee from Rosetta artifact #7084. canonical_hint=notary_fee; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Notary Public Service | Free | From finding a policy that fits your budget to making sure | card. For more information regarding this and the" · Source

Gift & Prepaid CardsVerified

VISA Gift Cards$5Above the typical range ($3–$4.50 nationally)
$1.50 above the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=gift_card_purchase; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="VISA Gift Cards | $ 5.00 each | co-workers and your families in 2026!" · Source

Other FeesVerified

Photocopy$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=document_reproduction; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Photocopy | $ 1.00/page" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Research Fee	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=account_research; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Research Fee \| $20.00/hour \| leading insurance companies. The insurance offered is not a deposit, and is"	Source
Overdraft & NSFVerified
Overdraft Transfer Fee (NSF)	$5Within the typical range ($3–$5 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=od_protection_transfer; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Overdraft Transfer Fee (NSF) \| $ 5.00 each"	Source
Returned Item (NSF)
ATM & CardVerified
Debit Card Replacement	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=card_replacement; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Debit Card Replacement \| $10.00 each \| at UTELFCU. While our staff cannot advise you on what"	Source
Check ServicesVerified
Stop Payment Request	$15Below the typical range ($20–$30 nationally)	$10.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=stop_payment; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Stop Payment Request \| $15.00 each \| donations of food, money, winter-weather jackets, hats,"	Source

Digital & ElectronicVerified
Bill Pay	$0Within the typical range ($0–$11.29 nationally)	$4.97 below the national median	—	Knox read a free fee from Rosetta artifact #7084. canonical_hint=bill_pay; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Bill Pay \| Free"	Source
Cash & DepositVerified
Returned Deposited Item	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=deposited_item_return; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Returned Deposited Item \| $10.00 each"	Source
Account ServicesVerified
Legal Process Fee	$25Below the typical range ($30–$131.13 nationally)	$50 below the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=legal_process; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Legal Process Fee \| $25.00 each"	Source
Notary Public Service
Gift & Prepaid CardsVerified
VISA Gift Cards	$5Above the typical range ($3–$4.50 nationally)	$1.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=gift_card_purchase; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="VISA Gift Cards \| $ 5.00 each \| co-workers and your families in 2026!"	Source
Other FeesVerified
Photocopy	$1Below the typical range ($2–$5 nationally)	$2 below the national median	—	Knox deterministic extraction from Rosetta artifact #7084. canonical_hint=document_reproduction; text_hash=778a17b3176822fd7f94e1b40474776e07ca61eda4ed308402f23c278901cb14; excerpt="Photocopy \| $ 1.00/page"	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.

NSF fee: $25

17% below the national median NSF fee

Total fees: 12 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$40.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$40.3M

Total deposits

$28.2M

Service charge income (year to date)

$12K

Fee income ratio

1.3%

Return on assets

0.67%

Financial profile · Pro

Performance from regulator filings

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

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 28,880 verified fees from 2,290 institutions

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